Guntersville, AL Car Insurance

On average, Guntersville drivers pay around $46 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Are rates in Guntersville higher or lower than those in neighboring areas? How do they compare to the rest of Alabama? What rates should residents of Guntersville expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Guntersville?

Area Average Monthly Car Insurance Premium
Guntersville$46
AL$52
United States$80

Based on the above chart, auto insurance policies in Guntersville are about $6 a month cheaper than in the rest of Alabama.

Similarly, car insurance rates in Guntersville are often favorable when viewed against the rest of the country. It's around $34 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Keep in mind that these are the average auto insurance rates for Guntersville, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've analyzed the average rate for Guntersville and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP 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$112
25-34$43
35-44$40
45-54$39
55-64$35
65+$39

It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

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

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$48

Although women typically pay less than men do for auto insurance, this is not the case in Guntersville, where female drivers pay around $48 per month while male drivers pay about $43.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$115
Multiple Accidents$127
1 Ticket$151
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Guntersville with a single accident on their record will usually see rates around $115 a month. In addition, drivers with one ticket can expect to pay around $151 a month on average.

When it comes to your monthly bill, 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$61
2-3 Years$45
4-5 Years$34
6-7 Years$48
8-10 Years$67
11-14 Years$46
15 Years or Older$39

According to the first table above, the cheapest vehicles to insure in Guntersville are usually cars, at $39 per month.

Truck and van drivers will see rates of about $45 to insure their car, while SUV owners by and large pay around $57 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Guntersville, 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)$51
Married$40
Divorced$36
Widowed$41

Generally speaking, 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.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Guntersville is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$45
Live with parents$52

Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $6 a month more than those who own their own home in Guntersville. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Guntersville, AL

Recent trends in car insurance for Guntersville 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 Guntersville had been increasing from 2016-2017, before trending downward from 2018-2019. They finished down in 2021 at $33.

How does Guntersville compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Off-street parking availability
  • Regional laws
  • Total number of drivers in the area
  • Rate of crime
  • General road safety (how many accidents each locality has)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Guntersville?

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.

But hold on! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Guntersville.

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Guntersville Insurance FAQs

What factors affect car insurance quotes in Guntersville?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Guntersville?

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 Guntersville?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Guntersville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes