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How much is car insurance in Cullman?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Alabama, coverage in Cullman is about $5 a month cheaper.
Similarly, when compared to the national average, the cost for auto insurance in Cullman is lower. Car insurance rates for the U.S. as a whole are, on average, $33 more expensive than the rates you'd pay in Cullman.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you for your 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.
Don't sweat it however, we've broken down average rates for Cullman residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to go back up in Cullman.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in Cullman, where female drivers pay around $49 per month while male drivers pay about $45.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Cullman, having a single accident on your record will usually get you rates around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$52|
As you can see in the first table above, the cheapest vehicles to insure in Cullman are usually trucks and vans, which run about $43 per month.
SUV drivers will see rates of about $50 for insurance coverage, while car owners by and large pay around $48 a month.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Cullman, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
Overall, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Cullman is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Another factor taken into consideration is your housing situation. In Cullman, homeowners can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Cullman, AL
Recent trends in car insurance for Cullman drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Cullman, auto insurance rates rose from 2016-2018 -- where they reached a high of $54-- before leveling out in 2019. Car insurance rates had been increasing once again in 2020, and have continued rising through 2021, where they finished at $53 per month.
How does Cullman compare to neighboring areas?
Why are car insurance rates in Cullman different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Number of drivers in the community
- Regional crime rates
- Road Safety (total number of local car accidents)
- Off-street parking access
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Cullman?
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. Enter 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 policies in Cullman.
Cullman Insurance FAQs
What factors affect car insurance quotes in Cullman?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Cullman 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 Cullman?
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 Cullman?
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 Cullman 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.