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How much is car insurance in Selma?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Selma than it is in the rest of Alabama.
Similarly, the expected monthly payments for an auto insurance policy in Selma are below the national average. The average monthly payment in Selma is about $35 less than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Selma, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've analyzed the average rate for Selma and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may rise again in Selma.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Selma, the difference is around $7 a month. As illustrated in the table above, male drivers in the area pay about $50 on average, while female drivers pay around $43 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Selma with a single accident will pay around $47 a month. In addition, drivers with one ticket can expect to pay around $52 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$45|
In Selma, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $42 per month for insurance coverage.
SUV drivers will see rates of about $44, while the rates for car owners average out to about $47 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Selma, vehicles four-to-five years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
Overall, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Selma follows that pattern, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
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 $4 a month more than homeowners in Selma. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 costs.
Car Insurance Companies in Selma, AL
Recent trends in car insurance for Selma drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for car insurance in Selma had been decreasing from 2017-2018, before leveling out in 2019. Insurance rates decreased again, reaching a low of $41 in 2021, before finishing up at $45 in 2022.
How does Selma compare to neighboring areas?
Why are car insurance rates in Selma different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Availability of off-street parking
- Regional laws
- Road Safety (how many accidents each locality has)
- Local crime rates
- Number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Selma?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Selma.
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Selma Insurance FAQs
What factors affect car insurance quotes in Selma?
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 age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Selma different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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 Selma?
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 Selma?
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 Selma 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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