Table of contents
How much is car insurance in Clanton?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Clanton will typically run you about $4 a month more than in the rest of Alabama.
That being said, when compared to the national average, the cost for auto insurance in Clanton is lower. Auto insurance coverage in Clanton is about $24 cheaper than it is for the rest of the U.S.
Although these are the average rates for auto insurance in Clanton, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Clanton 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 that you're paying the lowest option, simply enter your ZIP below and find out!
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? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $67 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Clanton.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Clanton, where women pay around $25 less a month. As illustrated in the table above, male drivers in the area pay about $69 on average, while female drivers pay around $44 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Clanton with a single accident on their record is about $65 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $67.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$51|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Clanton, with drivers paying around $43 per month for insurance.
SUV owners will see rates of about $43, while truck and van owners by and large pay around $66 per month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Clanton, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Clanton are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Clanton. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Clanton, AL
Recent trends in car insurance for Clanton 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 Clanton, auto insurance rates had been increasing from 2016-2017, when they reached a high of $64. This shifted in 2018, when policy premiums began to decrease. They hit a low of $43 in 2019, and finished down in 2021, at $53 a month.
How does Clanton compare to neighboring areas?
Why are car insurance rates in Clanton different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking accessibility
- Total number of drivers in the region
- Rate of crime
- Community laws
- Road Safety (frequency of local car accidents)
An awareness of these factors is important 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 Clanton?
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 punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Clanton.
Clanton Insurance FAQs
What factors affect car insurance quotes in Clanton?
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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Clanton 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 Clanton?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Clanton?
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 Clanton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?