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How much is car insurance in Wetumpka?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Wetumpka are about the same as the rest of Alabama.
On the flip side, when compared to the national average, the cost for auto insurance in Wetumpka is lower. The average monthly payment in Wetumpka is about $26 less than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Wetumpka, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Wetumpka 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 Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to increase again in Wetumpka.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Wetumpka is around $4 per month. As illustrated in the table above, female drivers in the area pay about $53 on average, while male drivers pay around $57 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. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Wetumpka, a driving record with a single accident will usually get you a rate around $83 a month. Likewise, drivers with one ticket will be looking at a rate of around $92 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$55|
The most affordable vehicles to insure in Wetumpka are by and large SUVs, trucks, and vans, which run about $50 per month.
The premium for car owners, however, is about $58 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Wetumpka, 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)||$61|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Wetumpka is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Wetumpka, expect to pay around $12 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Wetumpka, AL
Recent trends in car insurance for Wetumpka drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for auto insurance in Wetumpka went up from 2017-2018, when they hit a high of $79, but started to turn downward from 2019-2020. They finished down in 2022, at $45 a month.
How does Wetumpka compare to neighboring areas?
Why are car insurance rates in Wetumpka different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (total number of local car accidents)
- Local crime rates
- Number of drivers in the region
- Availability of off-street parking
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Wetumpka?
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.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Wetumpka.
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Wetumpka Insurance FAQs
What factors affect car insurance quotes in Wetumpka?
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 gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Wetumpka different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Wetumpka?
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 Wetumpka?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Wetumpka or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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