Semmes, AL Car Insurance

Drivers in Semmes pay around $66 a month for their car insurance. To learn more about car insurance rates in the Semmes area, read our guide below.
How much can residents of Semmes expect to pay for their car insurance? How do rates in Semmes measure up compared to neighboring areas, including Alabama as a whole? 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$66
AL$53
United States$81

You can see in the chart above that it's around $13 a month more expensive to insure your vehicle in Semmes than it is in the rest of Alabama.

On the flip side, car insurance rates in Semmes are often favorable when viewed against the rest of the country. Auto insurance coverage in Semmes is about $15 cheaper than it is for the rest of the U.S.

While these are the average costs to insure your vehicle in Semmes, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, 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 what you might 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$67
35-44$60
45-54$46
55-64$46
65+$60

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $48 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may rise again in Semmes.

Average Car Insurance Rates by Gender

Gender Average
Male$74
Female$60

On average, female drivers pay slightly less than male drivers for car insurance. The difference in Semmes is about $14 a month. As illustrated in the table above, female drivers in the area pay about $60 on average, while male drivers pay around $74 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$185
1 Ticket$67
Multiple Tickets$93

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Semmes with a single accident on their record will usually see rates around $88 a month. Likewise, drivers with one ticket will be looking at a rate of around $67 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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 YearNot Enough Data
2-3 Years$69
4-5 Years$196
6-7 Years$61
8-10 Years$66
11-14 Years$62
15 Years or Older$68

In Semmes, the cheapest vehicles to insure are typically SUVs, trucks, and vans, with drivers paying around $61 per month for auto insurance.

On the other hand, car owners, can expect to pay about $71 per month for insurance.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally 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 Semmes, the most expensive vehicles to insure 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)$67
Married$65
Divorced$65
Widowed$60

Overall, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Semmes.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$72
Live with parents$55

Your living accommodations is another component of how insurance companies calculate your monthly rate. Those who own their own home in Semmes can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 premiums.

Car Insurance Companies in Semmes, AL

Recent trends in car insurance for Semmes 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.

Car insurance rates in Semmes had been increasing from 2017-2018, before leveling out in 2019. Policy premiums increased again, reaching a high of $85 in 2021, and finished down at $63 in 2022.

How does Semmes compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Availability of off-street parking
  • Road Safety (total number of local car accidents)
  • Number of drivers in the community
  • Rate of crime
  • Laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.

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.

Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering 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 age and gender, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Semmes 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 Semmes?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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, 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 Semmes 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.

Find your best rate in just a few minutes