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How much is car insurance in Hartselle?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Hartselle are about the same as the rest of Alabama.
Likewise, car insurance rates in Hartselle are often favorable when viewed against the rest of the country. On average, it's about $30 less to insure your vehicle in Hartselle than it is in the rest of the United States.
Keep in mind that these are the average auto insurance rates for Hartselle, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Hartselle to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $48 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Hartselle drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Hartselle, where male drivers pay about $8 more per month. Based on the chart above, you can see that male drivers pay $56 on average, while female drivers typically pay $48 each month.
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. Drivers in Hartselle with one accident will pay around $69 a month. In addition, drivers with a single ticket on their record can expect to pay around $59 a month on average.
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||$49|
The cheapest vehicles to insure in Hartselle are usually cars, with each type typically costing about $50 per month.
SUV owners can expect to pay an average of around $53 a month for their policy, while truck and van drivers are usually around $57 to insure each month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Hartselle, the most expensive vehicles to insure 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|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Hartselle is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor that comes into play is your housing status. If you rent your home or apartment in Hartselle, expect to pay around $6 a month more than if you are a homeowner. Those who live with their parents, however, 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 car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Hartselle, the rates for car insurance dropped from 2017-2018, where they hit a high of $57, before steadying out in 2019. Rates rose again in 2020, and finished down at $53 in 2022.
How does Hartselle compare to neighboring areas?
Why are car insurance rates in Hartselle different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Prevalence of crime
- Off-street parking access
- Number of drivers in the region
- Area regulations
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Hartselle?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Hartselle.
Hartselle Insurance FAQs
What factors affect car insurance quotes in Hartselle?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hartselle 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, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Hartselle?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Hartselle or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.