Cheapest Car Insurance Quotes in Adamsville

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Adamsville Car Insurance

^$ 24

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Adamsville

The car insurance rate in Adamsville is $1039 for a six-month policy, which is $103 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $561, making it a popular choice for budget-conscious drivers. Rates in Adamsville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Adamsville

$1039

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Adamsville

1st place: AutoOwners Insurance Co

At $561 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $791 for six months, making it the third cheapest auto insurance company in Adamsville.

Adamsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Adamsville, AL is AutoOwners Insurance Co, offering policies at just $561 for a six-month term. This is followed by State Farm, which has an average six-month premium of $731.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2222 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Adamsville drivers find the best deals.

Cheap Car Insurance Companies in Adamsville, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$561	$93
State Farm	$731	$123
Travelers	$791	$133
Country Financial	$811	$137
Cincinnati	$837	$141
USAA	$864	$145
Auto-Owners	$924	$155
Nationwide	$1167	$199
Allstate	$1187	$200
Progressive	$1339	$225
Farmers	$2222	$371

Key Takeaways

Way's key takeaways about car insurance in Adamsville

The auto insurance costs in Adamsville fall around $561 for six months.
The cheapest auto insurance company in Adamsville is Cincinnati.
Teen drivers pay the highest rate in Adamsville at $1298 per month.

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Cheapest Minimum Liability Car Insurance in Adamsville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Adamsville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Adamsville. Their Average 6 Month Premium is $145. Farmers is the most expensive at $844 for the same period.

Cheapest Liability Coverage in Adamsville, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$145	$24
Mercury	$159	$27
Country Financial	$244	$41
Auto-Owners Insurance Co	$251	$42
USAA	$251	$42
State Farm	$258	$43
Travelers	$276	$47
Auto-Owners	$316	$53
Progressive	$448	$75
Nationwide	$475	$79
Allstate	$521	$88
Farmers	$844	$141

Cheapest Full Coverage Car Insurance in Adamsville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Adamsville is AutoOwners Insurance Co at $93 per month and $561 for six months.

Cheapest Full Coverage Car Insurance Quotes in Adamsville, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$561	$93
State Farm	$731	$123
Travelers	$791	$133
Country Financial	$811	$137
Cincinnati	$837	$141
USAA	$864	$145
Auto-Owners	$924	$155
Nationwide	$1167	$199
Allstate	$1187	$200
Progressive	$1339	$225
Farmers	$2222	$371

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Average Car Insurance in Adamsville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Adamsville, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Adamsville, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Adamsville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Adamsville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Adamsville,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Adamsville at $27 per month. At $7708 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$159	$27
Country Financial	$251	$42
Travelers	$1550	$261
USAA	$1879	$316
State Farm	$1958	$330
Auto-Owners	$2987	$508
Allstate	$3857	$649
Nationwide	$4694	$798
Progressive	$6759	$1138
Farmers	$7708	$1298

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Adamsville, Cincinnati is the cheapest car insurance provider. At $204 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Adamsville is Farmers, offering rates of around $3593 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$204	$34
Country Financial	$350	$60
Nationwide	$475	$79
Travelers	$996	$168
USAA	$1193	$199
Progressive	$1424	$240
Allstate	$2254	$376
State Farm	$2591	$441
Auto-Owners	$2862	$477
Farmers	$3593	$611

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Car Insurance Rates with An Accident in Adamsville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Adamsville, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Adamsville

The cheapest car insurance companies after an at-fault accident in Adamsville include Cincinnati and AutoOwners Insurance Co, offering $224 and $350, respectively. Farmers is an expensive provider with an average six-month premium of $3079.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$224	$38
Auto-Owners Insurance Co	$350	$60
Country Financial	$350	$59
Safeway	$435	$73
Travelers	$633	$107
State Farm	$706	$119
USAA	$877	$148
Auto-Owners	$936	$158
Allstate	$1484	$250
Progressive	$2156	$363
Nationwide	$2209	$369
Farmers	$3079	$524

Adamsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Adamsville AL. For example, the car insurance in Adamsville after a DUI increases to $897 for a six month policy. While the rate increases by $258 for a six-month policy in the case of a speeding ticket.

Adamsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1081	$180
One Med/PIP claim	$1081	$184
One comp claim	$1114	$185
Two Med/PIP claims	$1114	$190
Not-at-fault accident	$1121	$186
Two comp claims	$1173	$200
Driving without lights	$1285	$214
Failure to wear a seat belt	$1299	$221
Failure to show documents	$1305	$218
Child safety restraint	$1312	$223
Cell phone violation	$1332	$222
Driving with expired registration	$1332	$226
Driving too slowly	$1339	$223
Speeding 6 - 10 MPH over limit	$1339	$228
Speeding in school zone	$1339	$223
Texting while driving	$1339	$228
Speeding 11 - 15 MPH over limit	$1352	$225
Wrong way/wrong lane	$1352	$230
Failure to yield	$1359	$226
Following too closely	$1359	$231
Illegal turn	$1359	$226
Speeding 16 - 20 MPH over limit	$1359	$231
Failure to stop at a red light	$1365	$228
Improper passing	$1365	$232
Passing school bus	$1411	$235
Speeding 21 - 25 MPH over limit	$1417	$241
At-fault accident - less than $1000	$1431	$239
In 65 MPH zone	$1451	$246
At-fault accident - $1000-$2000	$1563	$261
Operating a vehicle without permission	$1595	$271
At-fault accident - greater than $2000	$1608	$269
Open container	$1642	$279
Reckless driving	$1819	$303
Driving with a suspended license	$1899	$323
Racing	$1925	$321
Refusal to submit to a chemical test	$1938	$330
DUI	$1978	$330
Leaving scene of an accident/hit and run	$2057	$350

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Adamsville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Adamsville.

The cheapest car insurance premiums in Adamsville are offered by Cincinnati at $303 for a six-month policy. However, it can be as expensive as $2960 with companies like Farmers.

Adamsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$303	$51
Country Financial	$408	$69
Travelers	$778	$131
State Farm	$1167	$196
USAA	$1305	$220
Allstate	$1378	$232
Progressive	$1384	$233
Auto-Owners	$1754	$295
Nationwide	$2947	$492
Farmers	$2960	$503

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Adamsville are offered by Cincinnati at $152. However, it can be as expensive as $2842 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Adamsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$152	$26
Country Financial	$218	$37
Auto-Owners Insurance Co	$290	$49
State Farm	$488	$82
Travelers	$751	$127
USAA	$798	$135
Auto-Owners	$969	$162
Allstate	$1457	$248
Progressive	$2018	$336
Farmers	$2842	$483

Car Insurance Price Trends in Adamsville, Alabama

Car insurance rates in Adamsville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Adamsville rose by $220 in December compared to $216 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Adamsville rose to $56 in December, compared to $54 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Adamsville?

The car insurance in Adamsville is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Adamsville?

The cheapest car insurance in Adamsville is $93 per month for full coverage.

How much is car insurance in Adamsville for teenagers?

Car insurance for teenagers costs $159 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Adamsville?

The average cost of car insurance is $936 for a six-month policy. It will cost around $174 per month to insure your car in Adamsville.

Is car insurance expensive in Adamsville?

Car insurance can be expensive in Adamsville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Adamsville can be affordable.

Cheapest Car Insurance Quotes in Adamsville

Why you can trust Way?

How Much Is Car Insurance in Adamsville

Avg. Car Insurance in Adamsville

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Adamsville

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Adamsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Adamsville, AL

Way's key takeaways about car insurance in Adamsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Adamsville

Cheapest Liability Coverage in Adamsville, AL

Cheapest Full Coverage Car Insurance in Adamsville

Cheapest Full Coverage Car Insurance Quotes in Adamsville, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Adamsville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Adamsville, AL increasing?

Car Insurance Premiums by Age in Adamsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Adamsville,AL

If you are in your twenties N/A is the best choice for car insurance in Adamsville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Adamsville

Cheapest Car Insurance Companies after an At-Fault Accident in Adamsville

Adamsville Car Insurance Rates by Violation

Adamsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Adamsville after a DUI

Adamsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Adamsville after Speeding ticket

Car Insurance Price Trends in Adamsville, Alabama

Average Car Insurance Cost in Adamsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Adamsville, AL

Car Insurance Rates by State in the USA (2025 Update)

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