Cheapest Car Insurance Quotes in Brighton

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Brighton Car Insurance

^$ 25

/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 Brighton

The car insurance rate in Brighton is $1076 for a six-month policy, which is $140 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $581, making it a popular choice for budget-conscious drivers. Rates in Brighton 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 Brighton

$1076

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Brighton

1st place: AutoOwners Insurance Co

At $581 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 $758 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $820 for six months, making it the third cheapest auto insurance company in Brighton.

Brighton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brighton, AL is AutoOwners Insurance Co, offering policies at just $581 for a six-month term. This is followed by State Farm, which has an average six-month premium of $758.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brighton drivers find the best deals.

Cheap Car Insurance Companies in Brighton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$581	$97
State Farm	$758	$128
Travelers	$820	$138
Country Financial	$841	$141
Cincinnati	$867	$146
USAA	$895	$151
Auto-Owners	$957	$161
Nationwide	$1209	$206
Allstate	$1229	$207
Progressive	$1387	$233
Farmers	$2302	$384

Key Takeaways

Way's key takeaways about car insurance in Brighton

The auto insurance costs in Brighton fall around $581 for six months.
The cheapest auto insurance company in Brighton is Cincinnati.
Teen drivers pay the highest rate in Brighton at $1344 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Brighton

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 Brighton are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Brighton. Their Average 6 Month Premium is $151. Farmers is the most expensive at $874 for the same period.

Cheapest Liability Coverage in Brighton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$151	$25
Mercury	$164	$28
Country Financial	$253	$43
Auto-Owners Insurance Co	$260	$44
USAA	$260	$44
State Farm	$267	$45
Travelers	$286	$48
Auto-Owners	$328	$55
Progressive	$465	$78
Nationwide	$492	$82
Allstate	$539	$91
Farmers	$874	$146

Cheapest Full Coverage Car Insurance in Brighton

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 Brighton is AutoOwners Insurance Co at $97 per month and $581 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brighton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$581	$97
State Farm	$758	$128
Travelers	$820	$138
Country Financial	$841	$141
Cincinnati	$867	$146
USAA	$895	$151
Auto-Owners	$957	$161
Nationwide	$1209	$206
Allstate	$1229	$207
Progressive	$1387	$233
Farmers	$2302	$384

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Average Car Insurance in Brighton 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 Brighton, AL increasing?

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

Car Insurance Premiums by Age in Brighton

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 Brighton,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Brighton at $28 per month. At $7986 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$164	$28
Country Financial	$260	$44
Travelers	$1605	$270
USAA	$1947	$328
State Farm	$2029	$342
Auto-Owners	$3095	$527
Allstate	$3996	$673
Nationwide	$4863	$827
Progressive	$7002	$1179
Farmers	$7986	$1344

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 Brighton, Cincinnati is the cheapest car insurance provider. At $212 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 Brighton is Farmers, offering rates of around $3723 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$212	$36
Country Financial	$362	$62
Nationwide	$492	$82
Travelers	$1032	$174
USAA	$1236	$206
Progressive	$1475	$248
Allstate	$2336	$390
State Farm	$2684	$457
Auto-Owners	$2965	$494
Farmers	$3723	$633

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Save up to $971/yr on car insurance rates in Brighton.

Car Insurance Rates with An Accident in Brighton

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

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

The cheapest car insurance companies after an at-fault accident in Brighton include Cincinnati and AutoOwners Insurance Co, offering $232 and $362, respectively. Farmers is an expensive provider with an average six-month premium of $3190.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$232	$39
Auto-Owners Insurance Co	$362	$62
Country Financial	$362	$61
Safeway	$451	$76
Travelers	$656	$110
State Farm	$731	$123
USAA	$908	$153
Auto-Owners	$969	$163
Allstate	$1538	$259
Progressive	$2233	$376
Nationwide	$2289	$382
Farmers	$3190	$543

Brighton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brighton AL. For example, the car insurance in Brighton after a DUI increases to $929 for a six month policy. While the rate increases by $267 for a six-month policy in the case of a speeding ticket.

Brighton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1120	$186
One Med/PIP claim	$1120	$191
One comp claim	$1155	$192
Two Med/PIP claims	$1155	$197
Not-at-fault accident	$1162	$193
Two comp claims	$1216	$207
Driving without lights	$1332	$222
Failure to wear a seat belt	$1346	$229
Failure to show documents	$1352	$225
Child safety restraint	$1359	$231
Cell phone violation	$1380	$230
Driving with expired registration	$1380	$235
Driving too slowly	$1387	$231
Speeding 6 - 10 MPH over limit	$1387	$236
Speeding in school zone	$1387	$231
Texting while driving	$1387	$236
Speeding 11 - 15 MPH over limit	$1401	$233
Wrong way/wrong lane	$1401	$238
Failure to yield	$1408	$235
Following too closely	$1408	$239
Illegal turn	$1408	$235
Speeding 16 - 20 MPH over limit	$1408	$239
Failure to stop at a red light	$1415	$236
Improper passing	$1415	$240
Passing school bus	$1462	$244
Speeding 21 - 25 MPH over limit	$1469	$250
At-fault accident - less than $1000	$1482	$247
In 65 MPH zone	$1503	$255
At-fault accident - $1000-$2000	$1619	$270
Operating a vehicle without permission	$1653	$281
At-fault accident - greater than $2000	$1666	$278
Open container	$1701	$289
Reckless driving	$1885	$314
Driving with a suspended license	$1968	$335
Racing	$1994	$332
Refusal to submit to a chemical test	$2008	$342
DUI	$2049	$342
Leaving scene of an accident/hit and run	$2131	$362

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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 Brighton 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 Brighton.

The cheapest car insurance premiums in Brighton are offered by Cincinnati at $314 for a six-month policy. However, it can be as expensive as $3067 with companies like Farmers.

Brighton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$314	$53
Country Financial	$423	$71
Travelers	$806	$136
State Farm	$1209	$204
USAA	$1352	$228
Allstate	$1427	$240
Progressive	$1434	$241
Auto-Owners	$1817	$306
Nationwide	$3053	$509
Farmers	$3067	$521

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 Brighton are offered by Cincinnati at $158. However, it can be as expensive as $2944 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brighton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$158	$26
Country Financial	$225	$38
Auto-Owners Insurance Co	$300	$51
State Farm	$506	$85
Travelers	$779	$131
USAA	$827	$140
Auto-Owners	$1004	$168
Allstate	$1510	$256
Progressive	$2091	$348
Farmers	$2944	$500

Car Insurance Price Trends in Brighton, Alabama

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

The average cost of full coverage in the Brighton rose by $228 in December compared to $224 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 Brighton rose to $57 in December, compared to $56 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Brighton?

The car insurance in Brighton is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Brighton?

The cheapest car insurance in Brighton is $97 per month for full coverage.

How much is car insurance in Brighton for teenagers?

Car insurance for teenagers costs $164 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 Brighton?

The average cost of car insurance is $936 for a six-month policy. It will cost around $181 per month to insure your car in Brighton.

Is car insurance expensive in Brighton?

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

Cheapest Car Insurance Quotes in Brighton

Why you can trust Way?

How Much Is Car Insurance in Brighton

Avg. Car Insurance in Brighton

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Brighton

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Brighton Car Insurance Rates by Company

Cheap Car Insurance Companies in Brighton, AL

Way's key takeaways about car insurance in Brighton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brighton

Cheapest Liability Coverage in Brighton, AL

Cheapest Full Coverage Car Insurance in Brighton

Cheapest Full Coverage Car Insurance Quotes in Brighton, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brighton by Rating Factor

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

Car Insurance Premiums by Age in Brighton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brighton,AL

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

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 Brighton

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

Brighton Car Insurance Rates by Violation

Brighton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brighton after a DUI

Brighton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brighton after Speeding ticket

Car Insurance Price Trends in Brighton, Alabama

Average Car Insurance Cost in Brighton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brighton, AL

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

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