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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.
Likewise, the expected monthly payments for an auto insurance policy in Opelika are below the national average. Auto insurance coverage in Opelika is about $33 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in Opelika, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 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|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $43 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may climb back up a bit in Opelika.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While this isn't true in Opelika, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Opelika with a single accident will pay around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $77 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$46|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Opelika, with drivers paying around $42 per month for insurance coverage.
Car owners, on the other hand, typically pay around $45 per month, while SUV drivers can expect to pay about $60 a month to insure their vehicle.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. 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)||$51|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Opelika is no exception, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $3 a month more than those who own their own home in Opelika. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
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 when choosing your car insurance policy.
The cost of car insurance coverage in Opelika had been decreasing from 2017-2019, when it hit a low of $40. This pattern changed in 2020, when it began to rise, and has continued on that road through the present, where insurance rates reached a high of $74 per month.
How does Opelika compare to neighboring areas?
Why are car insurance rates in Opelika different from other areas?
There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Area regulations
- Number of car accidents
- Number of drivers in the community
- Rate of crime
- Amount of off-street parking
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Opelika?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Opelika.
Opelika Insurance FAQs
What factors affect car insurance quotes in Opelika?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Opelika different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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?
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 Opelika or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?