At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Gadsden?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Gadsden is in line with pricing for the rest of Alabama.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Gadsden is rather affordable. It's around $28 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates are the average costs for Gadsden drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.
Don't sweat it however, we've broken down the average rate for Gadsden residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Find your best rate in just a few minutes
Gadsden Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement in Gadsden.
Gadsden Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Gadsden, the difference comes out to about $5 a month. As illustrated in the table above, female drivers in the area pay about $50 on average, while male drivers pay around $55 each month.
Gadsden Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Gadsden with a single accident on their record will usually see rates around $64 a month. In addition, drivers with a single ticket on their record can expect to pay around $70 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Gadsden Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$50|
In terms of affordable coverage, the cheapest vehicles to insure in Gadsden are usually SUVs, at $51 per month.
SUV owners will see rates of about $51, while truck and van owners by and large pay around $54 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Gadsden are vehicles eight-to-ten years old.
Gadsden Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
On average, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Gadsden follows that pattern, with the difference totaling to around $7 a month.
Gadsden Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Another factor taken into consideration is your living situation. Renters can expect to pay around $1 a month less than homeowners in Gadsden. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Gadsden, AL
Recent trends in car insurance for Gadsden 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.
Auto insurance rates in Gadsden dropped from 2017-2018, but began to increase in 2021. This trend has continued through 2022 when rates have most recently reached $57 a month.
How does Gadsden compare to neighboring areas?
Why are car insurance rates in Gadsden different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of car accidents
- Crime rates
- Total drivers
- Regional regulations
- Amount of off-street parking
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. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Gadsden?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Gadsden.
Find your best rate in just a few minutes
Gadsden Auto Insurance FAQs
What factors affect car insurance quotes in Gadsden?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Gadsden 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 Gadsden?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gadsden?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Gadsden 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.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
Find your best rate in just a few minutes