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How much is car insurance in Sylacauga?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Sylacauga as it is in the rest of Alabama.
Compared to the national average cost of auto insurance coverage, Sylacauga has lower rates. Car insurance rates for the United States as a whole are, on average, $31 more expensive than the rates you'd pay in Sylacauga.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Sylacauga and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, 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|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Sylacauga.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Sylacauga, the difference is around $7 per month. Looking at the table above, you can see that female drivers pay around $46 on average, while male drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Sylacauga, drivers with one accident on their record will experience rates around $64 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$53|
The cheapest vehicles to insure in Sylacauga are by and large trucks and vans, with each type typically costing about $39 per month.
Car owners, on the other hand, typically pay around $51 a month, while SUV drivers can expect to pay about $49 per month for auto insurance.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Sylacauga, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
While married drivers normally pay less for auto insurance than single drivers, Sylacauga bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $2 less than homeowners in Sylacauga. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Sylacauga, AL
Recent trends in car insurance for Sylacauga drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance in Sylacauga went up from 2016-2018, before steadying out in 2019. Rates finished down in 2021, at $45 a month
How does Sylacauga compare to neighboring areas?
Why are car insurance rates in Sylacauga different from other areas?
Car insurance companies take in several factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of drivers in the community
- Off-street parking availability
- Community laws
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing 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 Sylacauga?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Sylacauga.
Sylacauga Insurance FAQs
What factors affect car insurance quotes in Sylacauga?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Sylacauga different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, 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 Sylacauga?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sylacauga?
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?
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 Sylacauga 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.