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How much is car insurance in Northport?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Northport is about $4 a month more expensive than the rest of Alabama.
Compared to the rest of the country, auto insurance in Northport is more affordable. The average monthly payment in Northport is about $24 cheaper than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Northport, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've analyzed the average rate for Northport and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Northport drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Northport is about $4 a month. Based on the chart above, you can see that female drivers pay around $55 on average, while male drivers typically pay $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Northport, a driving record with one accident will usually get you a rate around $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $73 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$36|
|15 Years or Older||$52|
In Northport, the cheapest vehicles to insure are typically SUVs, with drivers paying around $46 per month for insurance.
SUV owners will see rates of about $46, while truck and van owners by and large pay around $62 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Northport, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Northport reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor that comes into play is your living situation. Those who own their own home in Northport can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Northport, AL
Recent trends in car insurance for Northport 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.
In Northport, the rates for auto insurance declined from 2017-2018, when they reached a low of $42, but began to increase from 2019-2020. Insurance rates finished up in 2022, at $86.
How does Northport compare to neighboring areas?
Why are car insurance rates in Northport different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Rate of car accidents
- Crime levels
- Off-street parking availability
- Total amount of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Northport?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Northport.
Northport Insurance FAQs
What factors affect car insurance quotes in Northport?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Northport different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Northport?
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 Northport?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Northport or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?