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How much is car insurance in Leeds?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Leeds will typically run you about $8 a month more than in the rest of Alabama.
However, when compared to the national average, the cost for auto insurance in Leeds is lower. Car insurance rates for the United States as a whole are, on average, $20 more expensive than the rates you'd pay in Leeds.
Bear in mind that while these rates represent the expected monthly payments for Leeds drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Leeds and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates creep back up in Leeds.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Leeds, however, men actually pay slightly less than female drivers for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Leeds with a single accident will pay around $72 a month. In addition, drivers with a single ticket on their record can expect to pay around $85 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||$64|
The most affordable vehicles to insure in Leeds are by and large SUVs, which run about $57 per month.
Cars, trucks, and vans, however, usually cost about $62 for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Leeds 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 have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Leeds, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Leeds. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Leeds, AL
Recent trends in car insurance for Leeds drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Leeds, the rates for auto insurance increased from 2017-2018, before steadying out in 2019. Policy premiums finished up in 2022, at $73 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 deciding how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Community laws
- Total number of drivers in the area
- Road safety
- Rate of crime
- Off-street parking availability
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Leeds?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Leeds.
Leeds Insurance FAQs
What factors affect car insurance quotes in Leeds?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Leeds 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, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Leeds?
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 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, 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 Leeds 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.