Gadsden, AL Car Insurance

Residents of Gadsden pay, on average, about $52 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
How does Gadsden stack up to the rest of the area, or even Alabama as a whole? What rates should residents of Gadsden expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Gadsden?

Area Average Monthly Car Insurance Premium
Gadsden$52
AL$53
United States$81

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

Likewise, when compared to the national average, the cost for auto insurance in Gadsden is lower. On average, it's about $29 less to insure your vehicle in Gadsden than it is in the rest of the United States.

While these numbers represent the average monthly payments for coverage in Gadsden, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 premium.

Don't sweat it however, we've broken down average rates for Gadsden residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$53
35-44$55
45-54Not Enough Data
55-64$39
65+$42

The older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Gadsden may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$50

In general, female drivers pay less for car insurance than their male counterparts. In Gadsden, this difference shakes out to about $5 per month. As illustrated in the table above, male drivers in the area pay about $55 on average, while female drivers pay around $50 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$76
1 Ticket$68
Multiple Tickets$98

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Gadsden with a single accident on their record is about $65 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $68 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$50
4-5 Years$44
6-7 Years$55
8-10 Years$60
11-14 Years$53
15 Years or Older$49

In terms of affordable coverage, the cheapest vehicles to insure in Gadsden are typically SUVs, at $51 per month.

Truck and van drivers will see rates of about $54 for car insurance coverage, while SUV owners by and large pay around $51 a month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Gadsden, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55
Married$48
Divorced$42
Widowed$42

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Gadsden can be as much as $7 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$50
Live with parents$74

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $2 less than homeowners in Gadsden. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance 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

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

In Gadsden, the rates for auto insurance declined from 2017-2018, but began to rise in 2021. This pattern has continued through 2022 when rates have most recently hit $57.

How does Gadsden compare to neighboring areas?

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

Car insurance companies look at many factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Local laws
  • Availability of off-street parking
  • Number of drivers
  • Prevalence of crime
  • Road Safety (total number of local car accidents)

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Gadsden?

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.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Gadsden.

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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 you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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.

Find your best rate in just a few minutes