Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 36442, AL
We monitor insurance prices, helping the average driver in 36442 save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in 36442
The chart below shows the cheapest car insurance company in 36442 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| 36442 Insurer | Monthly Cost |
|---|---|
| Travelers | $64 |
| Gainsco | $67 |
| State Farm | $70 |
| Safe Auto | $71 |
Savings for Every Kind of 36442 Driver
Based on our extensive insurance data, we know the average 36442 driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $359 per year by choosing the right vehicle insurance company. Some 36442 residents are paying out over $1,450 extra every year for auto insurance in 36442. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
36442, AL Savings / Yr. |
|---|---|
$359 |
|
$488 |
|
$458 |
|
$519 |
|
$1,127 |
|
$62 |
|
$307 |
36442 Car Insurance vs. Alabama
People living in 36442 pay an average of 9.57% less than the typical driver in the state. The average driver in 36442 can expect to pay about $957 per year, or $1,450 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in 36442 for most people.
Car Insurance Prices by 36442 Neighborhood
Insurance Prices
Where is insurance cheapest within 36442?
The map shows insurance prices in and around 36442, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $86 per year within the zip boundaries, with insurance premiums ranging from a high of $1,499 to a low of $1,413. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of 36442.Pick the Best Car Insurance Company for You in 36442
The best car insurance provider for most drivers in 36442
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $359 over the average 36442 car insurance company.
The best car insurance provider for 36442 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $488 over the competition.
The best car insurance company for 36442 drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $458 better than other car insurance companies.
The best auto insurance for 36442 drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $519 less each year.
The least expensive car insurance company for new and young drivers in 36442
In 36442, Travelers costs young drivers $1,127 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 36442
State Farm gave the largest car insurance discounts to married couples, averaging $62 saved each year compared to an average 36442 couple's premiums.
The cheapest car insurance in 36442 for drivers with bad credit
The best 36442 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 36442, which was better than other insurers.
The cheapest large national provider in 36442
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 36442 driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 36442, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around 36442
What Influences the Cost of Car Insurance in 36442?
On average, car insurance in 36442 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 36442 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- 36442 is one of the most densely populated areas in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 36442 is $80 per month for minimum coverage and $121 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 36455: Insurance costs 0.90% less
- 32567: Insurance costs 64.00% more
- 36477: Insurance costs 2.55% less
- 36483: Insurance costs 1.31% more
- 36318: Insurance costs 3.31% less
- 36340: Insurance costs 0.62% more
- 36313: Insurance costs 3.31% less
- 36314: Insurance costs 3.03% more
- 36344: Insurance costs 0.55% less
- 36426: Insurance costs 0.97% more
Zip Codes with Similar Populations
- 03584: Insurance costs 17.59% less
- 38664: Insurance costs 21.38% more
- 34449: Insurance costs 67.93% more
- 31328: Insurance costs 21.38% more
- 30259: Insurance costs 22.00% more
- 26205: Insurance costs 4.90% more
- 25524: Insurance costs 16.69% more
- 21738: Insurance costs 29.79% more
- 18092: Insurance costs 6.69% less
- 16749: Insurance costs 7.45% less