Table of contents
How much is car insurance in Jasper?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Jasper as it does in the rest of Alabama.
Car insurance rates in Jasper are more affordable than the national average. You can expect to pay about $28 less for your policy in Jasper than in the rest of U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Jasper, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 analyzed the average rate for Jasper and broken down the different factors to help you understand what your monthly bill might look like. 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|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay twice 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. You may see your rates start to rise again once you hit retirement in Jasper.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in Jasper totals about $15 a month. As illustrated in the table above, female drivers in the area pay about $46 on average, while male drivers pay around $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Jasper, having a single accident on your record will usually get you rates around $66 a month. Likewise, drivers with one ticket will be looking at a rate of around $69 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$52|
The most affordable vehicles to insure in Jasper are usually trucks and vans, which run about $44 per month.
Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $46 a month to insure.
You can also expect to see slightly different rates depending on the age of your vehicle. 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 Jasper, vehicles eleven-to-fourteen years old and 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)||$59|
On average, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Jasper as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $7 a month less than homeowners in Jasper. But if you live with your parents, your rates will be significantly higher.
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 Jasper, AL
Recent trends in car insurance for Jasper drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Jasper, auto insurance rates rose from 2016-2017, when they reached a high of $70. This shifted in 2018, when they began to decrease again. They finished down in 2021, at $52 per month
How does Jasper compare to neighboring areas?
Why are car insurance rates in Jasper different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Regional regulations
- Off-street parking access
- Area crime rates
- Road Safety (frequency of local car accidents)
- Number of drivers in the region
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Jasper?
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.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Jasper.
Jasper Insurance FAQs
What factors affect car insurance quotes in Jasper?
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 Jasper different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Jasper?
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 Jasper?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Jasper 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.