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How much is car insurance in Bay Minette?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Bay Minette are in line with rates across the rest of Alabama.
Compared to the national average cost of auto insurance coverage, Bay Minette has lower rates. Auto insurance coverage in Bay Minette is about $30 cheaper than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Bay Minette, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down average rates for Bay Minette residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Bay Minette may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Bay Minette is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Bay Minette with one accident will pay around $47 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $66.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$50|
In Bay Minette, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $44 per month to insure their vehicle.
SUV drivers will see rates of about $47, while the rates for car owners average out to about $52 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Bay Minette, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Bay Minette can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$49|
Another factor that comes into play is your housing situation. Renters can expect to pay around $3 a month less than drivers who own property in Bay Minette. But those who live at home with their parents can expect to pay significantly more.
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 Bay Minette, AL
Recent trends in car insurance for Bay Minette drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Bay Minette, car insurance rates increased from 2016-2018, when they reached a high of $64. This shifted in 2019, when they began to decrease again. They finished up in 2021, at $53 a month
How does Bay Minette compare to neighboring areas?
Why are car insurance rates in Bay Minette different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Off-street parking availability
- Road safety
- Local laws
- Total amount of drivers in the community
- Prevalence of crime
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Bay Minette?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Bay Minette.
Bay Minette Insurance FAQs
What factors affect car insurance quotes in Bay Minette?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Bay Minette different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bay Minette?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Bay Minette?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bay Minette or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?