Grand Bay, AL Car Insurance

The average cost for car insurance in Grand Bay is about $54 a month. For more information refer to our guide below.
How much can residents of Grand Bay expect to pay for their car insurance? Compared to their surrounding area, how do rates in Grand Bay stack up? What about against 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 Grand Bay?

Area Average Monthly Car Insurance Premium
Grand Bay$54
AL$52
United States$80

As you can see in the chart above, it costs about the same to insure your vehicle in Grand Bay as it does in the rest of Alabama.

Compared to the rest of the country, auto insurance in Grand Bay is more affordable. Auto insurance coverage in Grand Bay is about $26 cheaper than it is for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Grand Bay, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Grand Bay and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$130
25-34$49
35-44$50
45-54Not Enough Data
55-64$39
65+$44

Generally, the older you are, the more experienced you are on the roads. 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 two times as much as drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may creep back up in Grand Bay.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$59

Although women typically pay less than men do for auto insurance, this is not the case in Grand Bay, where female drivers pay around $10 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$161
1 Ticket$140
Multiple Tickets$77

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Grand Bay, a driving record with a single accident will usually get you a rate around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $140 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$58
2-3 Years$40
4-5 Years$190
6-7 Years$52
8-10 Years$52
11-14 Years$65
15 Years or Older$45

As you can see in the first table above, the cheapest vehicles to insure in Grand Bay are usually SUVs, which run about $46 per month.

Car owners can expect to pay an average of around $60 a month for their policy, while truck and van drivers are usually around $48 to insure each month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Grand Bay, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$61
Married$47
Divorced$44
Widowed$43

Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Grand Bay can be as much as $14 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$51
Live with parents$56

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 less than homeowners in Grand Bay. But those who live at home with their parents can expect to pay significantly 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 Grand Bay, AL

Recent trends in car insurance for Grand Bay drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The rates for car insurance in Grand Bay had been increasing from 2016-2018, before steadying out in 2019. Policy premiums rose again recently, hitting a high of $67 in 2021.

How does Grand Bay compare to neighboring areas?

Why are car insurance rates in Grand Bay different from other areas?

Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Off-street parking availability
  • Laws
  • General road safety (how many accidents each locality has)
  • Local crime rates
  • Amount of drivers in the community

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Grand Bay?

Equipping 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.

Fortunately, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Grand Bay in no time.

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Grand Bay Insurance FAQs

What factors affect car insurance quotes in Grand Bay?

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 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 Grand Bay different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

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 Grand Bay?

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. 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 Grand Bay 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?

Find your best rate in just a few minutes