Boaz, AL Car Insurance

Drivers in Boaz pay around $66 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Are rates in Boaz higher or lower than those in neighboring areas? How do they compare to the rest of Alabama? How much can residents of Boaz expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Boaz?

Area Average Monthly Car Insurance Premium
Boaz$66
AL$53
United States$81

Auto insurance policies in Boaz are about $13 a month more expensive than the rest of Alabama.

However, when compared to the national average, the cost for auto insurance in Boaz is lower. It's around $15 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Boaz, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down average rates for Boaz to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$176
18-24$102
25-34$46
35-44$48
45-54Not Enough Data
55-64$43
65+$50

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Boaz may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$68
Female$65

On average, female drivers pay slightly less than male drivers for car insurance. The price for insurance coverage in Boaz, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$103
Multiple Accidents$145
1 Ticket$78
Multiple Tickets$61

Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Boaz with a single accident will pay around $103 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

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$96
8-10 Years$76
11-14 Years$61
15 Years or Older$62

According to the first table above, the cheapest vehicles to insure in Boaz are usually SUVs, at $61 per month.

Car owners, on the other hand, typically pay around $67 per month, while truck and van drivers can expect to pay about $69 a month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink 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)$72
Married$59
Divorced$43
Widowed$39

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Boaz, with married couples paying about $13 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$50
Live with parents$74

Another factor that comes into play is your housing situation. In Boaz, homeowners can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

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 shopping for coverage.

The cost of car insurance in Boaz have been mixed as of late, it rose in 2017, fell in 2019, and increased again in 2021, before finishing at $53 in 2022.

How does Boaz compare to neighboring areas?

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

Car insurance companies take in several factors when figuring out how much individual insurance policies will cost. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Road Safety (total number of local car accidents)
  • Prevalence of crime
  • Community regulations
  • Amount of off-street parking
  • Total number of drivers in the area

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Boaz?

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.

Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Boaz.

Compare the cheapest quotes from dozens of insurance companies

Boaz Insurance FAQs

What factors affect car insurance quotes in Boaz?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.

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

Crime rates, local laws, 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 Boaz?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Boaz or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes