Hazel Green, AL Car Insurance

Drivers in Hazel Green pay around $49 a month for their car insurance. To learn more about policy rates and coverage in the Hazel Green area, continue reading our guide below.
What rates can residents of Hazel Green expect to pay for their car insurance? How do rates in Hazel Green measure up compared to neighboring areas, including Alabama as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hazel Green?

Area Average Monthly Car Insurance Premium
Hazel Green$49
AL$53
United States$81

Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Hazel Green than it is in the rest of Alabama.

Compared to the national average cost of auto insurance coverage, Hazel Green has lower rates. The average monthly payment for the U.S. as a whole is about $32 more expensive than in Hazel Green.

These may be the average auto insurance rates for Hazel Green, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Hazel Green residents 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$97
25-34$47
35-44$41
45-54$47
55-64$42
65+$39

The older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up a bit in Hazel Green.

Average Car Insurance Rates by Gender

Gender Average
Male$50
Female$48

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

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$51
1 Ticket$53
Multiple Tickets$67

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Hazel Green, a driving record with one accident will usually get you a rate around $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $53 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$30
2-3 Years$41
4-5 Years$51
6-7 Years$40
8-10 Years$55
11-14 Years$56
15 Years or Older$46

The most affordable vehicles to insure in Hazel Green are usually trucks and vans, which run about $47 per month.

Cars and SUV, on the other hand, usually cost about $50 for insurance coverage.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Hazel Green, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$45
Divorced$38
Widowed$35

Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Hazel Green is about $6 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$50
Live with parents$63

One other element taken into consideration is your living accommodations. Renters can expect to pay around $4 a month more than those who own their own home in Hazel Green. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Hazel Green, AL

Recent trends in car insurance for Hazel Green drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The cost of insurance in Hazel Green have been mixed as of late, it increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $56 in 2022.

How does Hazel Green compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Amount of drivers in the area
  • Prevalence of crime
  • Regional laws
  • Off-street parking availability
  • Road Safety (frequency of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Hazel Green?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Hazel Green.

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Hazel Green Insurance FAQs

What factors affect car insurance quotes in Hazel Green?

Car insurance companies calculate quotes based on a wide array of factors. These 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, marital status, and address.

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

Parking situations, crime rates, and local laws -- 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 Hazel Green?

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 Hazel Green?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Hazel Green 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.

Find your best rate in just a few minutes