Semmes, AL Car Insurance

On average, Semmes drivers pay a monthly average rate of around $62 for their car insurance. To learn more about policy rates and coverage in the Semmes area, continue reading our guide below.
Are rates in Semmes higher or lower than those in neighboring areas? How do they compare to the rest of Alabama? How much can residents of Semmes expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Semmes?

Area Average Monthly Car Insurance Premium
Semmes$62
AL$52
United States$80

Car insurance policies in Semmes are about $10 a month more expensive than the rest of Alabama.

On the other hand, car insurance rates in Semmes are often favorable when viewed against the rest of the country. You can expect to pay about $18 less for your policy in Semmes than in the rest of United States.

Although these are the average rates for auto insurance in Semmes, 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 final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Semmes 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 overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$68
35-44$59
45-54Not Enough Data
55-64$43
65+$63

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Semmes.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$61

In general, female drivers pay less for car insurance than their male counterparts. In Semmes, although women do pay a little bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$131
1 Ticket$58
Multiple Tickets$117

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Semmes with a single accident on their record is about $85 a month. In addition, drivers with one ticket can expect to pay around $58 a month on average.

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 YearNot Enough Data
2-3 Years$69
4-5 Years$196
6-7 Years$61
8-10 Years$66
11-14 Years$63
15 Years or Older$58

If you look at the first table above, you'll see that cars, trucks, and vans are usually the cheapest vehicles to insure in Semmes, with drivers paying around $62 per month for insurance coverage.

On the other hand, SUV owners, can expect to pay about $64 per month to insure their vehicle.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Semmes are vehicles four-to-five years old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$60
Divorced$65
Widowed$60

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 many companies extend special discounts for.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Semmes are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$66
Rent$61
Live with parents$55

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 less than drivers who own property in Semmes. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Semmes, AL

Recent trends in car insurance for Semmes drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

The rates for auto insurance in Semmes increased from 2016-2018, before steadying out in 2019. They finished down in 2021, at $70 a month

How does Semmes compare to neighboring areas?

Why are car insurance rates in Semmes different from other areas?

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Community regulations
  • Access to off-street parking
  • Road Safety (total number of local car accidents)
  • Total number of drivers in the community
  • Crime levels

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 Semmes?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Semmes.

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Semmes Insurance FAQs

What factors affect car insurance quotes in Semmes?

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 Semmes different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Semmes?

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 Semmes?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Semmes or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes