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How much is car insurance in Daphne?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $6 a month more expensive to insure your vehicle in Daphne than it is in the rest of Alabama.
When stacked up against the national average, the average monthly policy payment for Daphne is more affordable. You can expect to pay about $22 less for your policy in Daphne than in the rest of U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $61 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Daphne.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Daphne, where male drivers pay about $5 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $56 each month, while men pay $61 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Daphne, a driving record with one accident will usually get you a rate around $79 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $77.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$60|
In Daphne, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $52 per month for insurance coverage.
Car owners will see rates of about $60, while truck and van owners usually pay around $65 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. 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)||$64|
Overall, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Daphne reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Your living accommodations is another factor that affects your monthly rate. Drivers who own property in Daphne can expect to pay around $5 a month less than those who rent. 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in Daphne, AL
Recent trends in car insurance for Daphne drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of auto insurance in Daphne decreased from 2016-2018, before leveling out in 2019. Car insurance rates finished up in 2021, at $64 a month
How does Daphne compare to neighboring areas?
Why are car insurance rates in Daphne different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Local laws
- Access to off-street parking
- Amount of drivers in the area
- Road Safety (how many accidents each locality has)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Daphne?
Arming 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.
But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Daphne.
Daphne Insurance FAQs
What factors affect car insurance quotes in Daphne?
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 marital status, address, credit score, and driving record.
Why is the cost of car insurance in Daphne different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Daphne?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Daphne?
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?
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.