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How much is car insurance in Scottsboro?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Scottsboro are about $12 a month cheaper than in the rest of Alabama.
If you're thinking of moving to Scottsboro from out of state, you may still be in luck. It's about $40 cheaper than the national average to insure your vehicle in Scottsboro.
Although these are the average monthly costs for an auto insurance policy in Scottsboro, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Scottsboro residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Scottsboro.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Scottsboro, this difference shakes out to about $8 per month. As illustrated in the table above, female drivers in the area pay about $38 on average, while male drivers pay around $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Scottsboro, having a single accident on your record will usually get you rates around $56 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $64.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$43|
As you can see in the first table above, the cheapest vehicles to insure in Scottsboro are by and large cars, which run about $39 per month.
SUV owners can expect to pay an average of around $41 a month for their policy, while truck and van drivers are usually around $47 to insure each month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Scottsboro, vehicles two-to-three years old and six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Scottsboro, with married couples paying about $11 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$35|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Scottsboro. But if you live with your parents, you can expect to pay a lot 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 Scottsboro, AL
Recent trends in car insurance for Scottsboro 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.
In Scottsboro, the rates for car insurance had been decreasing from 2017-2018, before steadying out in 2019. Insurance rates increased again recently, hitting a high of $56 in 2022.
How does Scottsboro compare to neighboring areas?
Why are car insurance rates in Scottsboro different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Total amount of drivers in the area
- Road Safety (total number of local car accidents)
- Community regulations
- Amount of off-street parking
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Scottsboro?
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.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Scottsboro.
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Scottsboro Insurance FAQs
What factors affect car insurance quotes in Scottsboro?
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 Scottsboro different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Scottsboro?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Scottsboro?
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, 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 Scottsboro 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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