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How much is car insurance in Alexandria?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Alexandria will typically run you about $16 a month more than in the rest of Louisiana.
The average cost of insuring your vehicle in Alexandria is above the national rate. You can expect to pay about $105 more for your policy in Alexandria.
These may be the average auto insurance rates for Alexandria, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Alexandria residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Alexandria.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Alexandria, where female drivers pay around $26 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Alexandria with a single accident on their record will usually see rates around $228 a month. In addition, drivers with a single ticket on their record can expect to pay around $149 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$174|
According to the first table above, the cheapest vehicles to insure in Alexandria are typically trucks and vans, at $176 per month.
Car owners will see a monthly premium of about $183, while SUV owners usually pay around $195 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Alexandria, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$192|
Overall, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Alexandria follows that pattern, with the difference totaling to around $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$245|
One other element taken into consideration is your housing situation. Homeowners in Alexandria can expect to pay around $56 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 average premiums.
Car Insurance Companies in Alexandria, LA
Recent trends in car insurance for Alexandria drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Alexandria, the rates for auto insurance declined from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $129 a month
How does Alexandria compare to neighboring areas?
Why are car insurance rates in Alexandria different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Area regulations
- Access to off-street parking
- Number of car accidents
- Total number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Alexandria?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Alexandria in no time.
Alexandria Insurance FAQs
What factors affect car insurance quotes in Alexandria?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Alexandria different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Alexandria?
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 Alexandria?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Alexandria or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?