Gadsden, AL Car Insurance

On average, drivers in Gadsden pay around $50 per month for their car insurance. For more information refer to our guide below.
What can Gadsden residents expect to pay for their car insurance? How does Gadsden compare to the surrounding area and the rest of Alabama? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Gadsden?

Area Average Monthly Car Insurance Premium
Gadsden$50
AL$52
United States$80

Based on the chart above, you can see that car insurance rates in Gadsden are in line with rates across the rest of Alabama.

Likewise, car insurance rates in Gadsden are more affordable than the national average. On average, it's about $30 less to insure your vehicle in Gadsden than it is in the rest of the United States.

Bear in mind that while these are the average car insurance rates for Gadsden, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Gadsden so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$89
25-34$49
35-44$51
45-54Not Enough Data
55-64$39
65+$40

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Gadsden.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$48

Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Gadsden, where women pay around $5 less per month than men. Based on the chart above, you can see that male drivers pay $53 on average, while female drivers typically pay $48 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$67
1 Ticket$60
Multiple Tickets$91

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Gadsden, having a single accident on your record will usually get you rates around $64 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $60.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$46
4-5 Years$44
6-7 Years$57
8-10 Years$58
11-14 Years$54
15 Years or Older$46

As you can see in the first table above, the cheapest vehicles to insure in Gadsden are typically trucks and vans, which run about $48 per month.

SUV drivers will see rates of about $50, while the rates for car owners average out to about $51 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Gadsden, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$49
Divorced$42
Widowed$42

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Gadsden can be as much as $4 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$49
Live with parents$75

Your housing status is another component of how insurance companies calculate your monthly rate. The average rates for both homeowners and renters in Gadsden are around $49 per month.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Gadsden, AL

Recent trends in car insurance for Gadsden drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

In Gadsden, car insurance rates had been increasing from 2016-2017, but started to turn downward in 2020. This pattern has continued through the present where they reached a low of $39 a month.

How does Gadsden compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Road Safety (frequency of local car accidents)
  • Total number of drivers in the area
  • Amount of off-street parking
  • Community regulations
  • Crime levels

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Gadsden in no time.

Compare the cheapest quotes from dozens of insurance companies

Gadsden 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 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 Gadsden 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, local laws, 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 Gadsden?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Gadsden?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

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 Gadsden 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.

Find your best rate in just a few minutes