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How much is car insurance in Enterprise?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Enterprise than it is in the rest of Alabama.
Compared to the national average cost of auto insurance coverage, Enterprise has lower rates. You can expect to pay about $32 below the national average for auto insurance in Enterprise.
Although these are the average rates for auto insurance in Enterprise, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rate for Enterprise 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 if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, 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 two times as much as drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates rise again once you hit retirement in Enterprise.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Enterprise, where male drivers pay about $7 more a month. Based on the chart above, you can see that female drivers pay around $45 on average, while male drivers typically pay $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Enterprise, a driving record with one accident will usually get you a rate around $80 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $102.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$28|
|15 Years or Older||$46|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Enterprise, with drivers paying around $43 per month for insurance.
Cars, trucks, and vans, on the other hand, usually cost about $49 to insure their vehicle.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Enterprise, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
More often than not, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Enterprise.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $4 a month less than homeowners in Enterprise. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 costs.
Car Insurance Companies in Enterprise, AL
Recent trends in car insurance for Enterprise drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Enterprise increased from 2016-2017, when they reached a high of $55, but began to decrease from 2018-2019. They finished down in 2021, at $33 per month.
How does Enterprise compare to neighboring areas?
Why are car insurance rates in Enterprise different from other areas?
There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Number of drivers in the region
- Access to off-street parking
- Road Safety (frequency of car accidents)
- Area laws
- Area crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Enterprise?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code 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 Enterprise.
Enterprise Insurance FAQs
What factors affect car insurance quotes in Enterprise?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Enterprise different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Enterprise?
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 Enterprise?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 Enterprise 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.