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How much is car insurance in Prattville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Prattville are in line with rates across the rest of Alabama.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Prattville is rather affordable. You can expect to pay about $25 less for your policy in Prattville than in the rest of United States.
While these are the average car insurance rates for Prattville, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The monthly premium 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 done the heavy lifting for you and broken down the average rate for Prattville so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to increase again in Prattville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Prattville, where female drivers pay around $58 per month while male drivers pay about $54.
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 will pay much lower rates than those with accidents or violations. In Prattville, having a single accident on your record will usually get you rates around $71 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $67.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$56|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Prattville, with drivers paying around $51 per month for auto insurance.
Car owners, on the other hand, by and large pay around $58 per month, while truck and van drivers can expect to pay about $55 a month to insure their car.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Prattville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Prattville can be as much as $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
One other element taken into consideration is your housing status. Those who own their own home in Prattville can expect to pay around $5 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.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Prattville, AL
Recent trends in car insurance for Prattville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Prattville, the rates for auto insurance had been increasing from 2017-2018, before steadying out in 2019. Policy premiums finished up in 2022, at $56 per month
How does Prattville compare to neighboring areas?
Why are car insurance rates in Prattville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Regional laws
- Availability of off-street parking
- Amount of drivers in the community
- Number of car accidents
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Prattville?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Prattville.
Prattville Insurance FAQs
What factors affect car insurance quotes in Prattville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Prattville different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Prattville?
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 Prattville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Prattville 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.