Table of contents
How much is car insurance in Attalla?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Alabama, coverage in Attalla is about $5 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in Attalla. On average, it's about $33 less to insure your vehicle in Attalla than it is in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Attalla drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down average rates for Attalla residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Attalla.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Attalla is around $7 a month. As illustrated in the table above, male drivers in the area pay about $52 on average, while female drivers pay around $45 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Attalla, having a single accident on your record will usually get you rates around $58 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $122.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$46|
If you look at the first table above, the cheapest vehicles to insure in Attalla are by and large SUVs, at $41 per month.
SUV owners can expect to pay an average of around $41 a month for their policy, while truck and van drivers are usually around $58 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Attalla are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Attalla follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $5 a month more than homeowners in Attalla. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Attalla, AL
Recent trends in car insurance for Attalla drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Attalla, the rates for car insurance increased from 2016-2018, when they reached a high of $63. This changed in 2019, when policy premiums began to decrease. They hit a low of $39 in 2020, and finished at $53 in 2021.
How does Attalla compare to neighboring areas?
Why are car insurance rates in Attalla different from other areas?
Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of car accidents
- Rate of crime
- Local regulations
- Access to off-street parking
- Total amount of drivers in the community
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Attalla?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Attalla.
Attalla Insurance FAQs
What factors affect car insurance quotes in Attalla?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Attalla different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Attalla?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Attalla?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Attalla or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?