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How much is car insurance in Alexandria?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Alexandria are about $50 a month more expensive than the rest of Louisiana.
Similarly, Alexandria residents should prepare to pay higher rates for coverage than the rest of the country. It's about $153 more expensive than the national average to insure your vehicle in Alexandria.
These may be the average auto insurance rates for Alexandria, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've broken down average rates for Alexandria to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may creep back up a bit in Alexandria.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Alexandria bucks this trend. Female drivers typically pay around $75 more a month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Alexandria, a driving record with one accident will usually get you a rate around $216 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $692.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$177|
According to the first table above, the cheapest vehicles to insure in Alexandria are usually trucks and vans, at $192 per month.
Car owners can expect to pay an average of around $249 a month for their policy, while SUVs usually cost around $195 a month to insure.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Alexandria, the most expensive vehicles to insure are vehicles two-to-three years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$250|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. 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. Alexandria is no exception, with the difference totaling to around $92 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 status. If you rent your home or apartment in Alexandria, expect to pay around $110 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Alexandria, LA
Recent trends in car insurance for Alexandria drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Alexandria, the rates for auto insurance declined from 2016-2017, when they reached a low of $166. This trend changed in 2020, when they began to increase, and have continued moving in that direction through 2021, when insurance rates hit a high of $318 per month.
How does Alexandria compare to neighboring areas?
Why are car insurance rates in Alexandria different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Total drivers
- Regional crime rates
- Regional laws
- Availability of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Alexandria?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! 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 providing policies in Alexandria in no time.
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Alexandria Insurance FAQs
What factors affect car insurance quotes in Alexandria?
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 Alexandria different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Alexandria?
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 Alexandria?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Alexandria 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.
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