Fort Payne, AL Car Insurance

On average, Fort Payne drivers pay around $44 a month for their car insurance. To learn more about policy rates and coverage in the Fort Payne area, continue reading our guide below.
What can Fort Payne residents expect to pay for their car insurance? How does Fort Payne compare to the surrounding area and the rest of Alabama? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Fort Payne?

Area Average Monthly Car Insurance Premium
Fort Payne$44
AL$53
United States$81

Based on the above chart, auto insurance policies in Fort Payne are about $9 a month cheaper than in the rest of Alabama.

Drivers relocating from out of state may enjoy some cost savings in Fort Payne. On average, it's about $37 less to insure your vehicle in Fort Payne than it is in the rest of the United States.

Although these are the average rates for auto insurance in Fort Payne, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down the average rate for Fort Payne residents based on several different factors so that you can get a more accurate idea of what you might 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$74
25-34$42
35-44$38
45-54Not Enough Data
55-64$35
65+$35

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $39 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Fort Payne drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$41

Car insurance rates for women are generally cheaper than they are for men. The difference in Fort Payne is around $8 per month. Based on the chart above, you can see that male drivers pay $49 on average, while female drivers typically pay $41 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$67
Multiple Accidents$85
1 Ticket$57
Multiple Tickets$79

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Fort Payne with one accident will pay around $67 a month. In addition, drivers with a single ticket on their record can expect to pay around $57 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$28
4-5 Years$40
6-7 Years$33
8-10 Years$36
11-14 Years$53
15 Years or Older$45

The cheapest vehicles to insure in Fort Payne are typically SUVs, trucks, and vans, with each type typically costing about $43 per month.

Car owners, meanwhile, pay on average $44 a month for auto insurance.

You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Fort Payne, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$37
Divorced$40
Widowed$40

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Fort Payne is no exception, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$42
Live with parents$76

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in Fort Payne. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Fort Payne, AL

Recent trends in car insurance for Fort Payne drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The rates for car insurance in Fort Payne had been decreasing from 2017-2020, when they hit a low of $36. This changed in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $48.

How does Fort Payne compare to neighboring areas?

Why are car insurance rates in Fort Payne 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 park your car. These include things like:

  • Crime rates
  • Laws
  • Off-street parking availability
  • Number of drivers in the region
  • Road Safety (frequency of local 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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Fort Payne?

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.

Luckily, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering plans in Fort Payne.

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Fort Payne Insurance FAQs

What factors affect car insurance quotes in Fort Payne?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Fort Payne different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Fort Payne?

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 Fort Payne?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Fort Payne or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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