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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.
That being said, the expected monthly payments for an auto insurance policy in Pinson are below the national average. On average, it's about $20 less to insure your vehicle in Pinson than it is in the rest of the U.S.
Although these are the average rates for auto insurance in Pinson, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Pinson and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to go back up in Pinson.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Pinson actually goes against the grain. While female drivers pay $63 a month for car insurance, males only pay about $56.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Pinson with a single accident on their record is about $77 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $76.
Wherever you live, 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||$69|
|15 Years or Older||$56|
The cheapest vehicles to insure in Pinson are typically trucks and vans, with each type typically costing about $50 per month.
SUV drivers will see rates of about $61, while the rates for car owners average out to about $60 per month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Pinson, 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)||$63|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Pinson is about $11 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor that comes into play is your living situation. The average rates for both homeowners and renters in Pinson are around $59 per month.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Pinson, AL
Recent trends in car insurance for Pinson drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Pinson, auto insurance rates had been decreasing from 2016-2019, before leveling out in 2020. Car insurance rates finished up in 2021, at $60 a month
How does Pinson compare to neighboring areas?
Why are car insurance rates in Pinson different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Total number of drivers in the region
- Amount of off-street parking
- Area regulations
- Rate of crime
- Road Safety (total number of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
But hold on! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Pinson in no time.
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Pinson different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Pinson?
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 Pinson?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Pinson or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?