Boaz, AL Car Insurance

On average, drivers in Boaz pay around $68 per month for their car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of Boaz expect to pay for their car insurance? Are rates in Boaz higher or lower than those in neighboring areas? How do they compare to the rest of Alabama? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Boaz?

Area Average Monthly Car Insurance Premium
Boaz$68
AL$52
United States$80

Looking at the chart above, you can see that it is around $16 a month more expensive to insure your vehicle in Boaz than it is in the rest of Alabama.

If you're thinking of moving to Boaz from out of state, you may still be in luck. On average, it's about $12 less to insure your vehicle in Boaz than it is in the rest of the United States.

Although these are the average rates for auto insurance in Boaz, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Boaz residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$176
18-24$103
25-34$45
35-44$50
45-54Not Enough Data
55-64$37
65+$50

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in Boaz.

Average Car Insurance Rates by Gender

Gender Average
Male$70
Female$67

In general, women pay slightly less for car insurance than men. In Boaz, although women do pay slightly less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple AccidentsNot Enough Data
1 Ticket$77
Multiple Tickets$42

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. Drivers in Boaz with a single accident on their record will usually see rates around $107 a month. In addition, drivers with one ticket can expect to pay around $77 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$91
4-5 Years$44
6-7 Years$98
8-10 Years$78
11-14 Years$61
15 Years or Older$65

In Boaz, the cheapest vehicles to insure are typically SUVs, with drivers paying around $63 per month for insurance coverage.

Car owners will see rates of about $69, while truck and van owners usually pay around $72 per month.

Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Boaz, the most expensive vehicles to insure are vehicles six-to-seven years old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$76
Married$59
Divorced$43
Widowed$39

Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Boaz can be as much as $17 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$51
Live with parents$74

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Boaz. 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 car insurance premiums.

Car Insurance Companies in Boaz, AL

Recent trends in car insurance for Boaz drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

In Boaz, car insurance rates increased from 2016-2018, but began to turn downward in 2019. This pattern has continued through 2021 when rates have most recently hit $33.

How does Boaz compare to neighboring areas?

Why are car insurance rates in Boaz different from other areas?

Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Rate of car accidents
  • Rate of crime
  • Total drivers
  • Availability of off-street parking
  • Local regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Boaz?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Boaz.

Compare the cheapest quotes from dozens of insurance companies

Boaz Insurance FAQs

What factors affect car insurance quotes in Boaz?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Boaz different from other neighboring cities?

Crime rates, parking situations, and local laws -- 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 Boaz?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Boaz?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Boaz or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes