Daphne, AL Car Insurance

The average monthly cost for car insurance in Daphne is about $59. To find out more check out our guide below.
How do rates in Daphne measure up compared to neighboring areas, including Alabama as a whole? What can Daphne residents expect to pay for their car insurance? 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 Daphne?

Area Average Monthly Car Insurance Premium
Daphne$59
AL$53
United States$81

Car insurance policies in Daphne are about $6 a month more expensive than the rest of Alabama.

If you're thinking of moving to Daphne from out of state, you may still be in luck. It's around $22 less to insure your vehicle compared to the average rate for the U.S. as a whole.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

We've done the heavy lifting for you and broken down the average rate for Daphne so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$111
25-34$53
35-44$48
45-54$43
55-64$43
65+$46

The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $65 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Daphne.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$57

Female drivers pay, on average, slightly less than their male counterparts. In Daphne, this difference shakes out to about $5 a month. As you can see in the table above, female drivers in the area typically pay $57 on average, while female drivers typically pay $62 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$141
1 Ticket$88
Multiple Tickets$76

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Daphne, a driving record with a single accident will usually get you a rate around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $88 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$79
2-3 Years$62
4-5 Years$44
6-7 Years$48
8-10 Years$54
11-14 Years$65
15 Years or Older$61

If you look at the first table above, the cheapest vehicles to insure in Daphne are typically SUVs, at $51 per month.

Truck and van drivers will see rates of about $65 for auto insurance coverage, while car owners usually pay around $62 per month.

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 be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Daphne, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$65
Married$50
Divorced$39
Widowed$46

On average, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Daphne follows that pattern, with the difference totaling to around $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$61
Live with parents$108

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Daphne. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Daphne, AL

Recent trends in car insurance for Daphne drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Auto insurance rates in Daphne declined from 2017-2018, when they reached a low of $43. This shifted in 2021, when rates began to increase. This trend has continued through the present, where rates recently hit $77.

How does Daphne compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Prevalence of crime
  • Number of drivers
  • Number of car accidents
  • Local regulations
  • Off-street parking accessibility

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. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Daphne?

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. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Daphne.

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Daphne Insurance FAQs

What factors affect car insurance quotes in Daphne?

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, as well as your driving record, credit score, marital status, and address.

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

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Daphne?

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 Daphne?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Daphne or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes