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How much is car insurance in Fort Mitchell?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Fort Mitchell are about $4 a month cheaper than in the rest of Alabama.
Likewise, the expected monthly payments for an auto insurance policy in Fort Mitchell are below the national average. You can expect to pay about $32 less for your policy in Fort Mitchell than in the rest of United States.
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. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Fort Mitchell so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
|65+||Not Enough Data|
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may climb back up a bit in Fort Mitchell.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Fort Mitchell, where male drivers pay about $6 more per month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Accident||Not Enough Data|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$51|
In Fort Mitchell, the cheapest vehicles to insure are typically SUVs, with drivers paying around $38 per month for insurance coverage.
Truck and van drivers will see rates of about $48, while the rates for car owners average out to about $50 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Fort Mitchell, the most expensive vehicles to insure are vehicles two-to-three years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Fort Mitchell are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
One other element taken into consideration is your living accommodations. In Fort Mitchell, homeowners 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.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Fort Mitchell, AL
Recent trends in car insurance for Fort Mitchell 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 rates for car insurance in Fort Mitchell dropped from 2015-2016, but leveled out in 2020. Rates have been increasing since then, and recently reached a high of $75 per month in 2021.
How does Fort Mitchell compare to neighboring areas?
Why are car insurance rates in Fort Mitchell different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Rate of crime
- Total number of drivers in the region
- Community laws
- Amount of off-street parking
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Fort Mitchell?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Fort Mitchell.
Fort Mitchell Insurance FAQs
What factors affect car insurance quotes in Fort Mitchell?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Fort Mitchell different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Fort Mitchell?
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 Fort Mitchell?
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 Fort Mitchell 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.