Table of contents
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.
On the flip side, car insurance rates in Northport are more affordable than the national average. On average, it's about $24 less to insure your vehicle in Northport than it is in the rest of the United States.
Although these are the average car insurance rates in Northport, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.
Don't sweat it however, we've broken down average rates for Northport residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $32 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Northport drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Northport is only about $1 per 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. Drivers with clean records will pay much lower rates than those with accidents or violations. In Northport, drivers with one accident on their record will experience rates around $54 a month. Similarly, drivers with one ticket will typically pay around $62 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$36|
|15 Years or Older||$48|
In terms of affordable coverage, the cheapest vehicles to insure in Northport are typically SUVs, at $45 per month.
Car owners, on the other hand, usually pay around $57 a month, while truck and van drivers can expect to pay about $59 per month for auto insurance coverage.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Northport, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Northport, with married couples paying about $13 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in Northport. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Northport, AL
Recent trends in car insurance for Northport drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Northport, car insurance rates rose from 2016-2017 -- where they hit a high of $66 -- before steadying out in 2018. Car insurance rates went up again in 2019, and finished down at $52 in 2021.
How does Northport compare to neighboring areas?
Why are car insurance rates in Northport different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Community regulations
- Access to off-street parking
- Area crime rates
- Number of car accidents
- Amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Northport?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Northport.
Northport Insurance FAQs
What factors affect car insurance quotes in Northport?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Northport different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Northport?
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 Northport?
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. 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 Northport or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?