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How much is car insurance in Pell City?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Pell City is about $7 cheaper than it is in the rest of Alabama.
Similarly, car insurance rates in Pell City are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $35 more expensive than in Pell City.
While these are the average car insurance rates for Pell City, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Pell City residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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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. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $38 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Pell City may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference in Pell City is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay less than those with infractions. In Pell City, having a single accident on your record will usually get you rates around $65 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$45|
In Pell City, the cheapest vehicles to insure are by and large SUVs, trucks, and vans, with drivers paying around $44 per month for auto insurance coverage.
Car owners, however, pay about $48 per month for car insurance.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Pell City, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Pell City.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor taken into consideration is your living situation. Renters can expect to pay around $4 a month less than those who own their own home in Pell City. But those who live at home with their parents can expect to pay significantly more.
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 Pell City, AL
Recent trends in car insurance for Pell City drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Rates in Pell City have been mixed recently. They increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $52 in 2022.
How does Pell City compare to neighboring areas?
Why are car insurance rates in Pell City different from other areas?
Car insurance companies will take into account a lot of factors when 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:
- Off-street parking accessibility
- Frequency of car accidents
- Amount of drivers in the region
- Area regulations
- Crime levels
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Pell City?
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.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Pell City.
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Pell City Insurance FAQs
What factors affect car insurance quotes in Pell City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Pell City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Pell City?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pell City?
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 Pell City 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.
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