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How much is car insurance in Opelika?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Opelika than it is in the rest of Alabama.
When stacked up against the national average, the average monthly policy payment for Opelika is more affordable. Auto insurance coverage in Opelika is about $33 cheaper than it is for the rest of the U.S.
While these are the average car insurance rates for Opelika, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 broken down average rates for Opelika to help you understand what your policy's monthly premium will cost. 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|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Opelika drivers may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Opelika, where female drivers pay around $49 per month while male drivers pay about $45.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Opelika, having a single accident on your record will usually get you rates around $62 a month. In addition, drivers with one ticket can expect to pay around $97 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$42|
The most affordable vehicles to insure in Opelika are usually cars, trucks, and vans, which run about $43 per month.
SUV owners, meanwhile, pay on average $61 a month for insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Opelika are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Overall, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
In Opelika, 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||$63|
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Opelika can expect to pay around $4 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.
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 Opelika, AL
Recent trends in car insurance for Opelika 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.
Insurance rates in Opelika have been mixed recently. They increased in 2016, fell in 2018, and rose again in 2020, before finishing at $71 in 2021.
How does Opelika compare to neighboring areas?
Why are car insurance rates in Opelika different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Rate of crime
- Total number of drivers
- Community laws
- Off-street parking access
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Opelika?
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.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Opelika.
Opelika Insurance FAQs
What factors affect car insurance quotes in Opelika?
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, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Opelika different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Opelika?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Opelika?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Opelika or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.