Cheapest Car Insurance Quotes in Anniston

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Anniston Car Insurance

^$ 21

/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 Anniston

The car insurance rate in Anniston is $934 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $485, making it a popular choice for budget-conscious drivers. Rates in Anniston 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 Anniston

$934

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Anniston

1st place: AutoOwners Insurance Co

At $485 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $673 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $724 for six months, making it the third cheapest auto insurance company in Anniston.

Anniston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Anniston, AL is AutoOwners Insurance Co, offering policies at just $485 for a six-month term. This is followed by Travelers, which has an average six-month premium of $673.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1922 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Anniston drivers find the best deals.

Cheap Car Insurance Companies in Anniston, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$485	$83
Travelers	$673	$113
Cincinnati	$724	$122
Country Financial	$730	$123
State Farm	$730	$123
USAA	$776	$131
Auto-Owners	$787	$132
Allstate	$981	$165
Progressive	$1106	$186
Nationwide	$1363	$229
Farmers	$1922	$321

Key Takeaways

Way's key takeaways about car insurance in Anniston

The auto insurance costs in Anniston fall around $485 for six months.
The cheapest auto insurance company in Anniston is Cincinnati.
Teen drivers pay the highest rate in Anniston at $1044 per month.

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Cheapest Minimum Liability Car Insurance in Anniston

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 Anniston are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Anniston. Their Average 6 Month Premium is $126. Farmers is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Anniston, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$126	$21
Mercury	$137	$23
Auto-Owners Insurance Co	$217	$36
Travelers	$228	$38
USAA	$228	$38
State Farm	$245	$41
Auto-Owners	$262	$44
Country Financial	$274	$46
Progressive	$353	$60
Allstate	$405	$68
Nationwide	$508	$85
Farmers	$730	$122

Cheapest Full Coverage Car Insurance in Anniston

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 Anniston is AutoOwners Insurance Co at $83 per month and $485 for six months.

Cheapest Full Coverage Car Insurance Quotes in Anniston, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$485	$83
Travelers	$673	$113
Cincinnati	$724	$122
Country Financial	$730	$123
State Farm	$730	$123
USAA	$776	$131
Auto-Owners	$787	$132
Allstate	$981	$165
Progressive	$1106	$186
Nationwide	$1363	$229
Farmers	$1922	$321

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Average Car Insurance in Anniston 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 Anniston, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Anniston, 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, Anniston's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Anniston

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 Anniston,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Anniston at $23 per month. At $6141 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Country Financial	$912	$154
Travelers	$1346	$227
USAA	$1711	$288
State Farm	$2002	$337
Auto-Owners	$2304	$392
Allstate	$2999	$505
Progressive	$5223	$879
Nationwide	$5338	$899
Farmers	$6141	$1044

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 Anniston, Cincinnati is the cheapest car insurance provider. At $177 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 Anniston is Farmers, offering rates of around $3108 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$177	$30
Country Financial	$713	$120
Travelers	$809	$136
Progressive	$1106	$186
USAA	$1169	$195
Nationwide	$1482	$250
Allstate	$1660	$276
Auto-Owners	$2395	$407
State Farm	$3404	$567
Farmers	$3108	$528

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Car Insurance Rates with An Accident in Anniston

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 Anniston, AL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Anniston include Cincinnati and AutoOwners Insurance Co, offering $194 and $302, respectively. Farmers is an expensive provider with an average six-month premium of $2663.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$194	$33
Auto-Owners Insurance Co	$302	$52
Safeway	$376	$63
Travelers	$536	$90
Country Financial	$564	$95
State Farm	$702	$118
USAA	$799	$134
Auto-Owners	$867	$146
Allstate	$1175	$198
Progressive	$1819	$306
Nationwide	$2481	$418
Farmers	$2663	$453

Anniston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Anniston AL. For example, the car insurance in Anniston after a DUI increases to $776 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

Anniston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$935	$156
One Med/PIP claim	$935	$159
One comp claim	$964	$160
Two Med/PIP claims	$964	$164
Not-at-fault accident	$970	$161
Two comp claims	$1015	$173
Driving without lights	$1112	$185
Failure to wear a seat belt	$1123	$191
Failure to show documents	$1129	$188
Child safety restraint	$1135	$193
Cell phone violation	$1152	$192
Driving with expired registration	$1152	$196
Driving too slowly	$1158	$193
Speeding 6 - 10 MPH over limit	$1158	$197
Speeding in school zone	$1158	$193
Texting while driving	$1158	$197
Speeding 11 - 15 MPH over limit	$1169	$195
Wrong way/wrong lane	$1169	$199
Failure to yield	$1175	$196
Following too closely	$1175	$200
Illegal turn	$1175	$196
Speeding 16 - 20 MPH over limit	$1175	$200
Failure to stop at a red light	$1181	$197
Improper passing	$1181	$201
Passing school bus	$1220	$204
Speeding 21 - 25 MPH over limit	$1226	$208
At-fault accident - less than $1000	$1237	$206
In 65 MPH zone	$1255	$213
At-fault accident - $1000-$2000	$1352	$226
Operating a vehicle without permission	$1380	$234
At-fault accident - greater than $2000	$1391	$232
Open container	$1420	$241
Reckless driving	$1573	$262
Driving with a suspended license	$1643	$279
Racing	$1665	$277
Refusal to submit to a chemical test	$1676	$285
DUI	$1711	$285
Leaving scene of an accident/hit and run	$1779	$302

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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 Anniston 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 Anniston.

The cheapest car insurance premiums in Anniston are offered by Cincinnati at $262 for a six-month policy. However, it can be as expensive as $2560 with companies like Farmers.

Anniston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$262	$44
Travelers	$656	$110
Country Financial	$770	$130
Allstate	$1094	$184
Progressive	$1106	$186
USAA	$1187	$200
State Farm	$1243	$209
Auto-Owners	$1648	$277
Nationwide	$3342	$563
Farmers	$2560	$435

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 Anniston are offered by Cincinnati at $132. However, it can be as expensive as $2458 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Anniston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$132	$22
Auto-Owners Insurance Co	$251	$42
State Farm	$588	$99
Country Financial	$593	$100
Travelers	$621	$105
USAA	$781	$132
Auto-Owners	$821	$137
Allstate	$1055	$180
Progressive	$1620	$270
Nationwide	$2504	$425
Farmers	$2458	$418

Car Insurance Price Trends in Anniston, Alabama

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

The average cost of full coverage in the Anniston dipped by $184 in January compared to $190 of December. In other words, there has been an decrease by $6 when you compare January and December.

The average cost of liability insurance in the Anniston dipped to $46 in January, compared to $48 in December. This represents an decrease of $2 when comparing January and December.

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Average Car Insurance Cost in Anniston by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Anniston. At $1298 for a six-month policy, insuring your car at 36207 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
36207	$1298	$217
36206	$1148	$192
36205	$952	$159
36201	$1261	$211

Frequently Asked Questions

How much is car insurance in Anniston?

The car insurance in Anniston is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Anniston?

The cheapest car insurance in Anniston is $83 per month for full coverage.

How much is car insurance in Anniston for teenagers?

Car insurance for teenagers costs $137 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 Anniston?

The average cost of car insurance is $973 for a six-month policy. It will cost around $156 per month to insure your car in Anniston.

Is car insurance expensive in Anniston?

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

Cheapest Car Insurance Quotes in Anniston

Why you can trust Way?

How Much Is Car Insurance in Anniston

Avg. Car Insurance in Anniston

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Anniston

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Anniston Car Insurance Rates by Company

Cheap Car Insurance Companies in Anniston, AL

Way's key takeaways about car insurance in Anniston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Anniston

Cheapest Liability Coverage in Anniston, AL

Cheapest Full Coverage Car Insurance in Anniston

Cheapest Full Coverage Car Insurance Quotes in Anniston, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Anniston by Rating Factor

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

Car Insurance Premiums by Age in Anniston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Anniston,AL

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

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 Anniston

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

Anniston Car Insurance Rates by Violation

Anniston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Anniston after a DUI

Anniston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Anniston after Speeding ticket

Car Insurance Price Trends in Anniston, Alabama

Average Car Insurance Cost in Anniston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Anniston, AL

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

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