Table of contents
How much is car insurance in Enterprise?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Enterprise are in line with rates across the rest of Alabama.
Drivers relocating from out of state may enjoy some cost savings in Enterprise. The average monthly payment for the United States as a whole is about $30 more expensive than in Enterprise.
Bear in mind that while these rates represent the expected monthly payments for Enterprise drivers, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates 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. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Enterprise may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Enterprise, the difference is around $7 per month. Looking at the table above, you can see that female drivers pay around $48 on average, while male drivers typically pay $55 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Enterprise with a single accident on their record will usually see rates around $89 a month. In addition, drivers with one ticket can expect to pay around $54 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$37|
|15 Years or Older||$48|
The cheapest vehicles to insure in Enterprise are by and large trucks and vans, with each type typically costing about $44 per month.
SUV drivers will see rates of about $54, while the rates for car owners average out to about $52 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Enterprise, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Enterprise are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $1 a month more than drivers who own property in Enterprise. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Enterprise, AL
Recent trends in car insurance for Enterprise drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Enterprise had been decreasing from 2017-2019, when it hit a low of $45. This pattern leveled out in 2020, when it began to rise, and has continued moving in that direction through the present, where car insurance rates reached a high of $66 per month.
How does Enterprise compare to neighboring areas?
Why are car insurance rates in Enterprise different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out 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 your home address. These include things like:
- Total number of drivers in the region
- Off-street parking access
- Rate of crime
- Local laws
- Number of car accidents
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Enterprise?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Enterprise.
Enterprise Insurance FAQs
What factors affect car insurance quotes in Enterprise?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Enterprise 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 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 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 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Enterprise or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.