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How much is car insurance in Sylacauga?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Sylacauga are on par with what you would pay anywhere else in Alabama.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Sylacauga is rather affordable. The average monthly payment in Sylacauga is about $31 cheaper than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Sylacauga drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Sylacauga residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may rise again in Sylacauga.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Sylacauga, the difference comes out to about $9 a month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $55 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Sylacauga with one accident will pay around $62 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $48.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$34|
|15 Years or Older||$55|
The most affordable vehicles to insure in Sylacauga are typically trucks and vans, which run about $39 per month.
SUV drivers will see rates of about $56 for car insurance coverage, while car owners by and large pay around $50 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Sylacauga are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Generally, those who have settled down into marriage 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.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Sylacauga is no exception, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Another factor that comes into play is your housing situation. Renters can expect to pay around $1 a month less than homeowners in Sylacauga. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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.
In Sylacauga, the rates for car insurance increased from 2017-2018 -- where they reached a high of $57-- before leveling out in 2019. Policy premiums went up once again in 2020, and have continued rising through 2022, where they finished at $54 a month.
How does Sylacauga compare to neighboring areas?
Why are car insurance rates in Sylacauga different from other areas?
There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Prevalence of crime
- Local laws
- Road Safety (frequency of car accidents)
- Number of drivers in the area
- Amount of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Sylacauga?
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. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Sylacauga.
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Sylacauga Insurance FAQs
What factors affect car insurance quotes in Sylacauga?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
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 local laws, crime rates, and parking situations -- 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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sylacauga?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Sylacauga or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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