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How much is car insurance in Grand Bay?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Grand Bay are in line with rates across the rest of Alabama.
If you're thinking of moving to Grand Bay from out of state, you may still be in luck. Auto insurance coverage in Grand Bay is about $27 cheaper than it is for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average 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? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $85 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Grand Bay drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Grand Bay actually bucks this trend. While female drivers pay $57 a month for car insurance, males only pay about $49.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Grand Bay with a single accident on their record is about $75 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $120.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$48|
In terms of affordable coverage, the cheapest vehicles to insure in Grand Bay are usually SUVs, at $48 per month.
Car owners will see rates of about $59, while truck and van owners by and large pay around $50 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Grand Bay are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Grand Bay can be as much as $12 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $1 a month less than homeowners in Grand Bay. But if you live with your parents, you 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 Grand Bay, AL
Recent trends in car insurance for Grand Bay 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 Grand Bay, the rates for auto insurance had been increasing from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $54.
How does Grand Bay compare to neighboring areas?
Why are car insurance rates in Grand Bay different from other areas?
Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Road Safety (how many accidents each locality has)
- Community regulations
- Total amount of drivers in the community
- Access to off-street parking
- Local crime rates
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. 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 Grand Bay?
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.
But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Grand Bay.
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Grand Bay Insurance FAQs
What factors affect car insurance quotes in Grand Bay?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, 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 crime rates, parking situations, 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?
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 Grand Bay?
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 Grand Bay 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.
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