Table of contents
How much is car insurance in Hartselle?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Hartselle are in line with rates across the rest of Alabama.
Compared to the rest of the country, auto insurance in Hartselle is more affordable. The average monthly payment in Hartselle is about $29 cheaper than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Hartselle residents, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 policy payment.
Don't sweat it however, we've broken down the average rate for Hartselle residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, 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 someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates begin to increase again in Hartselle.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in Hartselle totals about $8 a month. As illustrated in the table above, male drivers in the area pay about $56 on average, while female drivers pay around $48 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Hartselle with a single accident on their record is about $67 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $116.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|4-5 Years||Not Enough Data|
|15 Years or Older||$48|
The most affordable vehicles to insure in Hartselle are usually cars, which run about $49 per month.
SUV owners, on the other hand, typically pay around $53 per month, while truck and van drivers can expect to pay about $64 a month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Hartselle are vehicles two-to-three years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. 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 Hartselle can be as much as $9 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor that comes into play is your living situation. If you rent your home or apartment in Hartselle, expect to pay around $6 a month more than if you own property. 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 Hartselle, AL
Recent trends in car insurance for Hartselle 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.
Car insurance rates in Hartselle increased from 2016-2018, before leveling out in 2019. Car insurance rates had been increasing again recently, reaching a high of $66 in 2021.
How does Hartselle compare to neighboring areas?
Why are car insurance rates in Hartselle different from other areas?
Car insurance companies look at several factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers in the community
- Off-street parking access
- Regional crime rates
- 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 change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Hartselle?
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.
Good news! Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing auto coverage in Hartselle.
Hartselle Insurance FAQs
What factors affect car insurance quotes in Hartselle?
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 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 Hartselle different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Hartselle?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Hartselle?
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 Hartselle 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.