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How much is car insurance in Leeds?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Leeds are about $7 a month more expensive than the rest of Alabama.
On the flip side, the expected monthly payments for an auto insurance policy in Leeds are below the national average. It's around $21 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that these are the average auto insurance rates for Leeds, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Leeds residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Leeds drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Leeds, where female drivers pay around $5 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. In Leeds, a driving record with a single accident will usually get you a rate around $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $68.
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||$62|
As you can see in the first table above, the cheapest vehicles to insure in Leeds are typically trucks and vans, which run about $45 per month.
Car owners will see a monthly rate of about $62, while SUV owners usually pay around $54 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Leeds, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
More often than not, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
In Leeds, the difference in rates based on relationship status can be as much as $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your living situation is another component of how insurance companies calculate your monthly rate. In Leeds, homeowners can expect to pay around $16 a month less than those who rent. 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 Leeds, AL
Recent trends in car insurance for Leeds drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The cost of car insurance in Leeds rose from 2016-2018, before steadying out in 2019. Insurance rates finished down in 2021, at $44 per month
How does Leeds compare to neighboring areas?
Why are car insurance rates in Leeds different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Local laws
- Access to off-street parking
- Number of drivers in the area
- Crime levels
- Road Safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Leeds?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Leeds.
Leeds Insurance FAQs
What factors affect car insurance quotes in Leeds?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Leeds different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Leeds?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Leeds?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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 Leeds or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?