- For the cheapest car insurance in Hoover, compact SUVs like the Toyota Corolla Cross, Nissan Kicks, and Buick Envision rank very well for overall cost.
- A few vehicles with segment-leading car insurance rates in Hoover include the Hyundai Ioniq 6 ($1,720 per year), Toyota GR Corolla ($1,626 per year), Chevrolet Colorado ($1,604 per year), and Acura RDX ($1,564 per year).
- Auto insurance quotes in Hoover can range significantly from as low as $32 per month for just liability insurance to well over $673 per month for drivers with poor driving records.
Cheapest car insurance in Hoover, Alabama
The models with the lowest cost average insurance rates in Hoover tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision.
Average car insurance quotes for vehicles in the top 10 cost $1,532 or less per year ($128 per month) for a full coverage policy.
Examples of other vehicles that come in near the top in our overall cost comparison are the Volkswagen Taos, Honda CR-V, Acura RDX, and Ford Bronco Sport.
Average auto insurance rates are somewhat higher for those models than the crossovers and compact SUVs that rank near the top, but they still have an average insurance cost of $134 or less per month.
The table below shows the top 30 cheapest vehicles to insure in Hoover, ordered starting with the cheapest.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,382 | $115 |
| 2 | Chevrolet Trailblazer | $1,406 | $117 |
| 3 | Kia Soul | $1,462 | $122 |
| 4 | Nissan Kicks | $1,476 | $123 |
| 5 | Honda Passport | $1,492 | $124 |
| 6 | Buick Envision | $1,498 | $125 |
| 7 | Toyota Corolla Cross | $1,508 | $126 |
| 8 | Hyundai Venue | $1,522 | $127 |
| 9 | Mazda CX-5 | $1,526 | $127 |
| 10 | Ford Bronco Sport | $1,532 | $128 |
| 11 | Volkswagen Tiguan | $1,548 | $129 |
| 12 | Acura RDX | $1,564 | $130 |
| 13 | Nissan Murano | $1,574 | $131 |
| 14 | Buick Encore | $1,590 | $133 |
| 15 | Subaru Outback | $1,594 | $133 |
| 16 | Honda CR-V | $1,596 | $133 |
| 17 | Buick Envista | $1,602 | $134 |
| 18 | Chevrolet Colorado | $1,604 | $134 |
| 19 | Kia Niro | $1,606 | $134 |
| 20 | Volkswagen Taos | $1,606 | $134 |
| 21 | Toyota GR Corolla | $1,626 | $136 |
| 22 | Honda HR-V | $1,630 | $136 |
| 23 | Subaru Ascent | $1,630 | $136 |
| 24 | Nissan Leaf | $1,642 | $137 |
| 25 | Lexus NX 250 | $1,656 | $138 |
| 26 | Honda Civic | $1,658 | $138 |
| 27 | Volkswagen Atlas | $1,660 | $138 |
| 28 | Acura Integra | $1,666 | $139 |
| 29 | Volkswagen Atlas Cross Sport | $1,668 | $139 |
| 30 | Subaru Forester | $1,670 | $139 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hoover, AL Zip Codes. Updated February 23, 2024
A few additional models making the top 30 table above include the Subaru Ascent, Lexus NX 250, Volkswagen Atlas, and Subaru Forester. Average rates for those models cost between $1,606 and $1,668 per year in Hoover.
In contrast to the cheapest vehicles to insure, a few vehicles that cost more to insure include the Tesla Model Y at $173 per month, the Audi S3 that averages $175, and the Mercedes-Benz S560 at $274.
This next section discusses the different automotive segments and the average cost of car insurance in Hoover. This will provide a decent idea of the automotive segments that have the least expensive Hoover auto insurance rates. The six sections following the chart break out and rank the cheapest insurance rates for specific models in each automotive segment.
Types of vehicles with cheap car insurance
When car shopping (or car insurance shopping), it is useful to know which kinds of vehicles have less expensive car insurance rates in Hoover.
For example, some people wonder if midsize SUVs cost less to insure than full-size SUVs or if heavy duty pickups cost more to insure than half-ton pickups. Knowing which types of vehicles generally get better rates is a great way to save money.
The next chart displays average car insurance cost by vehicle segment in Hoover. From a segment comparison perspective, compact SUVs and midsize pickup trucks tend to have the least expensive average rates, with luxury cars and sports cars having the most expensive insurance.
Average insurance rates for entire segments are useful for making a general comparison, but cost varies significantly within each vehicle segment displayed above.
For example, in the large luxury car segment, auto insurance rates in Hoover range from the Audi A5 costing $2,218 per year for a full coverage policy up to the Mercedes-Benz Maybach S680 costing $3,922 per year.
Also, in the small SUV segment, the average insurance cost ranges from the Subaru Crosstrek costing $1,382 per year up to the Ford Mustang Mach-E costing $2,190 per year, a difference of $808 within that segment.
Lastly, in the small luxury SUV segment, the average cost of insurance can vary from the Acura RDX costing $1,564 per year up to the Aston Martin DBX at $3,646 per year.
Average car insurance cost in Hoover
Hoover car insurance costs an average of $1,872 per year, which is 0.6% less than the national average rate of $1,883. The average cost per month for car insurance in Hoover is $156 for full coverage.
In the state of Alabama, average auto insurance cost is $1,736 per year, so the cost in Hoover is $136 more per year. When compared to other cities in Alabama, the average cost to insure a car in Hoover is approximately $160 per year more expensive than in Huntsville, $50 per year less than in Birmingham, and $106 per year more than in Montgomery.
The age of the driver significantly impacts the cost of auto insurance, so the list below illustrates this point by showing the difference in average car insurance rates in Hoover for young, middle-age, and senior drivers.
Hoover, Alabama, car insurance cost by driver age
- 16-year-old driver – $6,669 per year or $556 per month
- 17-year-old driver – $6,460 per year or $538 per month
- 18-year-old driver – $5,789 per year or $482 per month
- 19-year-old driver – $5,274 per year or $440 per month
- 20-year-old driver – $3,768 per year or $314 per month
- 30-year-old driver – $1,996 per year or $166 per month
- 40-year-old driver – $1,872 per year or $156 per month
- 50-year-old driver – $1,662 per year or $139 per month
- 60-year-old driver – $1,554 per year or $130 per month
The next chart summarizes average auto insurance cost in Hoover, Alabama, broken out based on a range of driver ages and common risk profiles. Rates are averaged for all 2024 vehicle models including luxury brands.
In the chart above, the cost of car insurance in Hoover ranges from $1,556 per year for a 40-year-old driver who qualifies for a discount rate to $4,306 per year for a 30-year-old driver with a history of violations and/or at-fault accidents. From a monthly point of view, the average cost in the prior chart ranges from $130 to $359 per month.
Hoover car insurance rates can have a very wide price range and are impacted by many different factors. Due to the high likelihood of rate variability, this increases the need for accurate free auto insurance quotes when searching online for more affordable coverage.
To help illustrate the amount car insurance prices can vary from one person to the next (and also emphasize the importance of accurate rate quotes), the sections below visualize a wide range of rates for five popular vehicles in Hoover: the Ram Truck, Honda CR-V, Kia Sorento, Honda Accord, and Ford Mustang.
Each chart shows rates for a variety of different driver profiles to illustrate the variation with only minor changes to the factors that affect policy cost.
Ram Truck insurance rates
With MSRP ranging from $43,270 to $109,435, average Hoover car insurance quotes for a 2024 Ram Truck cost from $1,916 per year for the Ram Truck Tradesman Crew Cab 4WD model up to $2,370 per year for the Ram Truck TRX Final Edition 4WD trim level.
On a monthly basis, full-coverage car insurance for a Ram Truck for the average driver can range from $160 to $198 per month, depending on your insurance company and your exact location in Hoover.
The bar chart below should help you understand how the price of car insurance for a Ram Truck can range significantly for a variety of driver ages, risk profiles, and policy deductibles.
The Ram Truck is part of the full-size truck segment, and other models in that segment include the GMC Sierra, Chevrolet Silverado, and Toyota Tundra.
Honda CR-V insurance rates
With sticker prices ranging from $29,500 to $39,850, average Hoover insurance rates on a Honda CR-V cost from $1,514 per year for the Honda CR-V LX model up to $1,684 per year for the Honda CR-V Sport Touring Hybrid AWD.
When Hoover auto insurance rates on the Honda CR-V are compared to national average insurance rates for the same model, the cost is anywhere from $20 to $22 cheaper per year in Hoover, depending on the specific model being insured.
The chart displayed below might help to visualize how the cost to insure a Honda CR-V can change for different driver ages, physical damage coverage deductibles, and driver risk profiles.
The Honda CR-V is a compact SUV, and other top-selling models from the same segment include the Toyota RAV4, Chevrolet Equinox, Mazda CX-5, and Nissan Rogue.
Kia Sorento insurance rates
Average Kia Sorento insurance cost in Hoover ranges from $1,626 up to $1,910 per year. The least-expensive car insurance quotes are on the $32,000 Kia Sorento LX trim level, while the trim with the most expensive average rate is the $52,000 Kia Sorento SX Prestige Plug-in Hybrid trim level.
When Hoover car insurance quotes for a Kia Sorento are compared with the overall national average cost for the same vehicle, rates are anywhere from $22 to $24 less per year in Hoover, depending on which trim level is insured.
The next chart demonstrates how the cost to insure a Kia Sorento can change for a number of different driver ages, policy deductibles, and policy risk factors.
For our sample risk profiles, rates range from $1,474 to $4,080 per year, which is a difference of $2,606 for the same vehicle.
The Kia Sorento is a midsize SUV, and additional similar models from the same segment include the Toyota Highlander, Kia Telluride, Honda Pilot, and Ford Edge.
Honda Accord insurance rates
In Hoover, the lowest-cost car insurance rates on a 2024 Honda Accord are on the EX-L Hybrid trim level, costing an average of $1,744 per year, or about $145 per month. This model sells for $34,190.
The most expensive 2022 Honda Accord to insure in Hoover is the LX model, costing an average of $1,854 per year, or about $155 per month. The sticker price for this trim is $27,895, not including delivery and documentation fees.
When Hoover auto insurance rates on the Honda Accord are compared to the overall national average cost for the same model, rates are anywhere from $24 to $24 cheaper per year in Hoover, depending on which trim level is insured.
From a cost per month standpoint, full-coverage insurance on the Honda Accord for the average driver can range from $145 to $155 per month, depending on your insurance company and exact Zip Code in Hoover.
The chart displayed below shows how the cost to insure a Honda Accord can be significantly different based on driver age, policy physical damage deductibles, and risk scenarios. In this example, cost ranges from $1,502 to $4,156 per year, which is a difference in cost of $2,654 caused by changes in driver risk.
The Honda Accord is classified as a midsize car, and other similar models that are popular in Hoover, AL, include the Toyota Camry, Hyundai Sonata, Chevrolet Malibu, and Nissan Altima.
Ford Mustang insurance rates
The average cost of Ford Mustang insurance in Hoover is $2,056 per year. With a purchase price ranging from $30,920 to $63,265, average insurance quotes on a 2024 Ford Mustang range from $1,764 per year for the Ford Mustang Ecoboost Fastback model up to $2,244 per year on the Ford Mustang Dark Horse Premium trim level.
As a cost per month, auto insurance quotes for a Ford Mustang for the average driver can range from $147 to $187 per month, depending on your company and your Zip Code in Hoover.
The chart below illustrates how the cost of car insurance on a Ford Mustang can be quite different based on an assortment of driver ages, risk profiles, and policy deductibles. For our sample risk profiles, rates range from $1,706 to $4,708 per year, which is a difference in cost of $3,002 to insure the same vehicle.
The Ford Mustang belongs to the sports car segment, and other similar models from the same segment include the Chevrolet Corvette, Toyota GR Supra, Chevrolet Camaro, and Subaru BRZ.
Money-saving tips for finding cheaper Hoover car insurance
Drivers should always be thinking of ways to pay less for insurance. So read through the savings concepts in the list below to see if you can save a little dough on your next auto insurance policy.
- Get better rates due to your employment. The vast majority of auto insurance companies offer policy discounts for certain occupations like firefighters, police officers and law enforcement, dentists, scientists, lawyers, doctors, and others. If you can qualify for this discount, you could save between $56 and $182 on your car insurance premium, depending on your age.
- Compare insurance cost before you buy the car. Different models, and even different trim levels of the same model, have very different costs for insurance, and auto insurance companies can price policies with very different rates. Check rates before you buy a new car in order to avoid any surprises when you receive your first bill.
- Shop around anytime. Taking a couple of minutes every year or so to get some free car insurance quotes is our top recommendation for saving money on car insurance. Companies make rate modifications frequently and you do not have to wait for your renewal to change companies.
- Reduce coverage on older cars. Dropping full coverage from vehicles whose value has dropped to the point where coverage is not cost effective will reduce the cost of auto insurance considerably.
- No accidents means better Hoover car insurance rates. Having at-fault accidents will cost you more, as much as $904 per year for a 30-year-old driver and as much as $458 per year for a 60-year-old driver. So drive safe and save!