Fairhope, AL Car Insurance

The average cost for car insurance in Fairhope is about $52 a month. We cover plan rates, policies and more in our guide below.
What rates can residents of Fairhope expect to pay for their car insurance? How does Fairhope stack up to the rest of the area, or even Alabama as a whole? 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 Fairhope?

Area Average Monthly Car Insurance Premium
Fairhope$52
AL$52
United States$80

As you can tell by looking at the chart above, car insurance rates in Fairhope are about the same as the rest of Alabama.

Compared to the national average cost of auto insurance coverage, Fairhope has lower rates. You can expect to pay about $28 less for your policy in Fairhope than in the rest of United States.

These rates may be the average amount drivers in Fairhope pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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.

But worry not, we've done the heavy lifting and broken down the average rate for Fairhope to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$80
25-34$51
35-44$43
45-54Not Enough Data
55-64$32
65+$64

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay about $16 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Fairhope drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$56
Female$49

In general, women pay slightly less for car insurance than men. This rings true in Fairhope, where women pay around $7 less per month than men. As illustrated in the table above, female drivers in the area pay about $49 on average, while male drivers pay around $56 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$136
1 Ticket$111
Multiple Tickets$90

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. The rate for drivers in Fairhope with a single accident on their record is about $64 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $111 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$53
4-5 Years$30
6-7 Years$52
8-10 Years$38
11-14 Years$54
15 Years or Older$54

The most affordable vehicles to insure in Fairhope are by and large cars, trucks, and vans, which run about $51 per month.

The monthly rate for SUV owners, however, is about $54 per month.

You may also see different rates based 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, you may see your rates begin to drop back down. In Fairhope, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$52
Divorced$45
Widowed$42

On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Fairhope.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$51
Live with parents$83

Another factor taken into consideration is your housing situation. Renters can expect to pay around $3 a month more than homeowners in Fairhope. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Fairhope, AL

Recent trends in car insurance for Fairhope drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

Car insurance rates in Fairhope went up from 2016-2018, before steadying out in 2019. They finished down in 2021, at $52 per month

How does Fairhope compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Total number of drivers in the community
  • Regional laws
  • Off-street parking accessibility
  • Number of car accidents
  • Local crime rates

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Fairhope?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Fairhope.

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Fairhope Insurance FAQs

What factors affect car insurance quotes in Fairhope?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Things like local laws, crime rates, and parking situations, 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 Fairhope?

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 Fairhope?

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?

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 Fairhope 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.

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