Theodore, AL Car Insurance

Residents of Theodore pay, on average, about $58 per month for car insurance. To learn more about policy rates and coverage in the Theodore area, continue reading our guide below.
What rates should residents of Theodore expect to pay for their car insurance? Compared to their surrounding area, how do rates in Theodore stack up? What about against the rest of Alabama? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Theodore?

Area Average Monthly Car Insurance Premium
Theodore$58
AL$52
United States$80

You can see in the chart above that it's around $6 a month more expensive to insure your vehicle in Theodore than it is in the rest of Alabama.

Drivers relocating from out of state may enjoy some cost savings in Theodore. It's around $22 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average rates for auto insurance in Theodore, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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 Theodore residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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$107
25-34$57
35-44$50
45-54Not Enough Data
55-64$45
65+$51

The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Theodore may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$59

Despite the national trend of women paying less than men for insurance coverage, in Theodore men actually pay $55 per month for coverage while women pay $59.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$91
1 Ticket$51
Multiple Tickets$141

Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Theodore, a driving record with one accident will usually get you a rate around $75 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $51.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

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$60
8-10 Years$63
11-14 Years$59
15 Years or Older$53

In Theodore, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $52 per month for auto insurance.

Car owners, on the other hand, usually pay around $60 per month, while SUV drivers can expect to pay about $56 a month for insurance coverage.

Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Theodore, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$51
Divorced$44
Widowed$43

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

The cost of auto insurance in Theodore reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$56
Live with parents$80

Another factor taken into consideration is your housing status. Homeowners in Theodore can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Theodore, AL

Recent trends in car insurance for Theodore drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The rates for car insurance in Theodore went up from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $51 per month.

How does Theodore compare to neighboring areas?

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

Car insurance companies look at many factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Road Safety (how many accidents each locality has)
  • Total number of drivers in the community
  • Crime rates
  • Amount of off-street parking
  • Area regulations

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 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.

Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Theodore.

Compare the cheapest quotes from dozens of insurance companies

Theodore Insurance FAQs

What factors affect car insurance quotes in Theodore?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Theodore 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, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

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 Theodore?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

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 Theodore 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.

Find your best rate in just a few minutes