Theodore, AL Car Insurance

The average cost for car insurance in Theodore is about $60 a month. To learn more about policy rates and coverage in the Theodore area, continue reading our guide below.
What can Theodore residents expect to pay for their car insurance? Are rates in Theodore higher or lower than those in neighboring areas? How do they compare to the rest of Alabama? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Theodore?

Area Average Monthly Car Insurance Premium
Theodore$60
AL$53
United States$81

Coverage for your vehicle in Theodore will typically run you about $7 a month more than in the rest of Alabama.

That being said, car insurance rates in Theodore are often favorable when viewed against the rest of the country. Auto insurance coverage in Theodore is about $21 cheaper than it is for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Theodore, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Theodore and broken down the different factors to help you understand what exactly you might be asked to 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$109
25-34$61
35-44$52
45-54$48
55-64$47
65+$55

Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $54 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, you may see your rates creep back up in Theodore.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$60

Car insurance rates for men are usually slightly more expensive than they are for women. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Theodore is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$91
1 Ticket$79
Multiple Tickets$117

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Theodore with a single accident on their record will usually see rates around $81 a month. Similarly, drivers with one ticket will typically pay around $79 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$62
4-5 Years$73
6-7 Years$59
8-10 Years$66
11-14 Years$62
15 Years or Older$56

According to the first table above, the cheapest vehicles to insure in Theodore are by and large trucks and vans, at $56 per month.

SUV drivers will see rates of about $57, while the rates for car owners average out to about $63 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Theodore are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$64
Married$54
Divorced$47
Widowed$44

On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

In Theodore, the difference in rates based on relationship status can be as much as $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$59
Live with parents$80

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 $2 a month more than drivers who own property in Theodore. But if you live with your parents, you can expect to pay a lot more.

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 Theodore, AL

Recent trends in car insurance for Theodore drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The rates for car insurance in Theodore declined from 2017-2018, before leveling out in 2019. They finished down in 2022, at $60 a month

How does Theodore compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Community regulations
  • Amount of drivers in the region
  • Off-street parking availability
  • Road Safety (frequency of car accidents)
  • Local crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Theodore?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Theodore.

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Theodore Insurance FAQs

What factors affect car insurance quotes in Theodore?

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 driving record, address, credit score, and marital status.

Why is the cost of car insurance in Theodore different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

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 Theodore?

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 Theodore 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.

Find your best rate in just a few minutes