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Get Cheap Car Insurance in Pelham, AL
We monitor insurance prices, helping the average driver in Pelham save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Pelham
The chart below shows the cheapest car insurance company in Pelham 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.
| Pelham Insurer | Monthly Cost |
|---|---|
| Travelers | $71 |
| Gainsco | $74 |
| State Farm | $78 |
| Safe Auto | $79 |
Savings for Every Kind of Pelham Driver
Based on our extensive insurance data, we know the average Pelham 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 $397 per year by choosing the right vehicle insurance company. Some Pelham residents are paying out over $1,604 extra every year for auto insurance in Pelham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pelham, AL Savings / Yr. |
|---|---|
$397 |
|
$540 |
|
$506 |
|
$574 |
|
$1,246 |
|
$69 |
|
$339 |
Pelham Car Insurance vs. Alabama
People living in Pelham pay an average of 0.03% more than the typical driver in the state. The average driver in Pelham can expect to pay about $1,058 per year, or $1,604 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Pelham for most people.
Car Insurance Prices by Pelham Neighborhood
Insurance Prices
Where is insurance cheapest within Pelham?
The map shows insurance prices in and around Pelham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $295 per year within the city boundaries, with insurance premiums ranging from a high of $1,798 to a low of $1,503. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Pelham.Pick the Best Car Insurance Company for You in Pelham
The best car insurance provider for most drivers in Pelham
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $397 over the average Pelham car insurance company.
The best car insurance provider for Pelham 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 $540 over the competition.
The best car insurance company for Pelham drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $506 better than other car insurance companies.
The best auto insurance for Pelham drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $574 less each year.
The least expensive car insurance company for new and young drivers in Pelham
In Pelham, Travelers costs young drivers $1,246 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pelham
State Farm gave the largest car insurance discounts to married couples, averaging $69 saved each year compared to an average Pelham couple's premiums.
The cheapest car insurance in Pelham for drivers with bad credit
The best Pelham car insurance company for customer service
Recent price drops
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The cheapest large national provider in Pelham
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Pelham 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 Pelham, 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 Pelham
What Influences the Cost of Car Insurance in Pelham?
On average, car insurance in Pelham is more expensive than the rest of the state. These high 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 city are influenced by the following factors:
- The average commute time in Pelham is 33 minutes, which is about the national average for a driver in the state.
- 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 Pelham are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Pelham is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Pelham is $88 per month for minimum coverage and $134 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 Cities
- Helena: Insurance costs 1.25% more
- Alabaster: Insurance costs 4.18% more
- Indian Springs Village: Insurance costs 0.56% less
- Hoover: Insurance costs 2.00% more
- Maylene: Insurance costs 3.05% more
- Siluria: Insurance costs 4.30% less
- Simmsville: Insurance costs 4.43% less
- Saginaw: Insurance costs 1.43% less
- Chelsea: Insurance costs 5.67% less
- Meadowbrook: Insurance costs 0.69% more
Cities with Similar Populations
- Red Bank: Insurance costs 15.46% more
- Lucedale: Insurance costs 4.74% more
- Lynbrook: Insurance costs 82.42% more
- Lynden: Insurance costs 13.72% less
- Lyndhurst: Insurance costs 30.36% more
- Lynn Haven: Insurance costs 48.19% more
- Merchantville: Insurance costs 20.45% more
- Merrick: Insurance costs 69.33% more
- Middletown: Insurance costs 20.39% less
- Mooresville: Insurance costs 25.31% less