Hazel Green, AL Car Insurance

Drivers in Hazel Green pay, on average, $48 a month for their car insurance. To learn more about what you're likely to pay in the Hazel Green area, read our guide below.
What should residents of Hazel Green expect to pay for their car insurance? How does Hazel Green compare to the surrounding area and the rest of Alabama? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Hazel Green?

Area Average Monthly Car Insurance Premium
Hazel Green$48
AL$52
United States$80

Compared to the rest of the Alabama, coverage in Hazel Green is about $4 a month cheaper.

When stacked up against the national average, the average monthly policy payment for Hazel Green is more affordable. It's about $32 cheaper than the national average to insure your vehicle in Hazel Green.

Bear in mind that while these rates are the average costs for drivers in Hazel Green, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't worry, we've done the work for you and broken down average rates for Hazel Green to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$97
25-34$42
35-44$41
45-54$45
55-64$41
65+$33

The longer you've been on the road, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Hazel Green may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$47

On average, female drivers pay slightly less for car insurance than their male counterparts. In Hazel Green, however, the difference in monthly rates for auto insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$51
1 Ticket$48
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Hazel Green with one accident will pay around $62 a month. In addition, drivers with one ticket can expect to pay around $48 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$42
4-5 Years$37
6-7 Years$40
8-10 Years$52
11-14 Years$57
15 Years or Older$44

As you can see in the first table above, the cheapest vehicles to insure in Hazel Green are by and large trucks and vans, which run about $45 per month.

Car and SUVs, however, both cost about the same amount for auto insurance -- around $49 a month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Hazel Green, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$49
Married$46
Divorced$34
Widowed$35

More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Hazel Green are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$49
Live with parents$66

One other element taken into consideration is your housing situation. Homeowners in Hazel Green can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Hazel Green, AL

Recent trends in car insurance for Hazel Green drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Car insurance rates in Hazel Green had been increasing from 2016-2018, when they reached a high of $86, but began to decrease from 2019-2020. They finished up in 2021, at $42 per month.

How does Hazel Green compare to neighboring areas?

Why are car insurance rates in Hazel Green different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Rate of car accidents
  • Amount of off-street parking
  • Area laws
  • Crime rates
  • Total number of drivers in the region

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 Hazel Green?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Hazel Green.

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Hazel Green Insurance FAQs

What factors affect car insurance quotes in Hazel Green?

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 Hazel Green 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 Hazel Green?

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 Hazel Green?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Hazel Green or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes