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How much is car insurance in Pinson?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Alabama are about $8 a month cheaper than the rates drivers pay in Pinson.
When stacked up against the national average, the average monthly policy payment for Pinson is more affordable. The average monthly payment in Pinson is about $20 cheaper than the rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Pinson, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't sweat it however, we've broken down average rates for Pinson residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $29 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in Pinson.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Pinson bucks this trend. Female drivers typically pay around $9 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Pinson with a single accident will pay around $77 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $73.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$58|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Pinson, with drivers paying around $56 per month for insurance.
Car owners can expect to pay an average of around $61 a month for their policy, while SUVs usually cost around $62 a month to insure.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Pinson, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
Generally, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly 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. Pinson 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||$80|
Another factor that comes into play is your housing status. Renters can expect to pay around $2 a month more than those who own their own home in Pinson. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Pinson, AL
Recent trends in car insurance for Pinson drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Pinson declined from 2017-2019, but began to increase in 2021. This trend has continued through the present, where they reached a high of $76 per month.
How does Pinson compare to neighboring areas?
Why are car insurance rates in Pinson different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Number of drivers
- Access to off-street parking
- Local laws
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Pinson?
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. Simply 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 offering policies in Pinson.
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Pinson Insurance FAQs
What factors affect car insurance quotes in Pinson?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Pinson 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 local laws, parking situations, 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 Pinson?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Pinson?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Pinson or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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