Cheapest Car Insurance Quotes in Carlton

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Carlton 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 Carlton

The car insurance rate in Carlton is $1002 for a six-month policy, which is $66 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $540, making it a popular choice for budget-conscious drivers. Rates in Carlton 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 Carlton

$1002

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Carlton

1st place: AutoOwners Insurance Co

At $540 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 $705 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $763 for six months, making it the third cheapest auto insurance company in Carlton.

Carlton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carlton, AL is AutoOwners Insurance Co, offering policies at just $540 for a six-month term. This is followed by State Farm, which has an average six-month premium of $705.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2142 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carlton drivers find the best deals.

Cheap Car Insurance Companies in Carlton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$540	$90
State Farm	$705	$119
Travelers	$763	$128
Country Financial	$782	$132
Cincinnati	$807	$136
USAA	$832	$140
Auto-Owners	$890	$150
Nationwide	$1125	$192
Allstate	$1144	$193
Progressive	$1290	$217
Farmers	$2142	$357

Key Takeaways

Way's key takeaways about car insurance in Carlton

The auto insurance costs in Carlton fall around $540 for six months.
The cheapest auto insurance company in Carlton is Cincinnati.
Teen drivers pay the highest rate in Carlton at $1251 per month.

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Cheapest Minimum Liability Car Insurance in Carlton

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 Carlton are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Carlton. Their Average 6 Month Premium is $140. Farmers is the most expensive at $813 for the same period.

Cheapest Liability Coverage in Carlton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$24
Mercury	$153	$26
Country Financial	$235	$40
Auto-Owners Insurance Co	$242	$41
USAA	$242	$41
State Farm	$248	$42
Travelers	$266	$45
Auto-Owners	$305	$51
Progressive	$432	$73
Nationwide	$458	$76
Allstate	$502	$85
Farmers	$813	$136

Cheapest Full Coverage Car Insurance in Carlton

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 Carlton is AutoOwners Insurance Co at $90 per month and $540 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carlton, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$540	$90
State Farm	$705	$119
Travelers	$763	$128
Country Financial	$782	$132
Cincinnati	$807	$136
USAA	$832	$140
Auto-Owners	$890	$150
Nationwide	$1125	$192
Allstate	$1144	$193
Progressive	$1290	$217
Farmers	$2142	$357

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Average Car Insurance in Carlton 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 Carlton, AL increasing?

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

Car Insurance Premiums by Age in Carlton

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 Carlton,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Carlton at $26 per month. At $7430 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$153	$26
Country Financial	$242	$41
Travelers	$1494	$251
USAA	$1812	$305
State Farm	$1887	$318
Auto-Owners	$2879	$490
Allstate	$3718	$626
Nationwide	$4525	$769
Progressive	$6515	$1097
Farmers	$7430	$1251

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 Carlton, Cincinnati is the cheapest car insurance provider. At $197 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 Carlton is Farmers, offering rates of around $3464 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$197	$33
Country Financial	$337	$58
Nationwide	$458	$76
Travelers	$960	$162
USAA	$1150	$192
Progressive	$1373	$231
Allstate	$2173	$363
State Farm	$2497	$425
Auto-Owners	$2758	$460
Farmers	$3464	$589

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Car Insurance Rates with An Accident in Carlton

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

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

The cheapest car insurance companies after an at-fault accident in Carlton include Cincinnati and AutoOwners Insurance Co, offering $216 and $337, respectively. Farmers is an expensive provider with an average six-month premium of $2968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$216	$36
Auto-Owners Insurance Co	$337	$58
Country Financial	$337	$57
Safeway	$419	$71
Travelers	$610	$103
State Farm	$681	$114
USAA	$845	$142
Auto-Owners	$902	$152
Allstate	$1431	$241
Progressive	$2078	$350
Nationwide	$2129	$355
Farmers	$2968	$505

Carlton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carlton AL. For example, the car insurance in Carlton after a DUI increases to $865 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Carlton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1042	$178
One comp claim	$1074	$179
Two Med/PIP claims	$1074	$183
Not-at-fault accident	$1081	$180
Two comp claims	$1131	$193
Driving without lights	$1239	$207
Failure to wear a seat belt	$1252	$213
Failure to show documents	$1258	$210
Child safety restraint	$1265	$215
Cell phone violation	$1284	$214
Driving with expired registration	$1284	$218
Driving too slowly	$1290	$215
Speeding 6 - 10 MPH over limit	$1290	$219
Speeding in school zone	$1290	$215
Texting while driving	$1290	$219
Speeding 11 - 15 MPH over limit	$1303	$217
Wrong way/wrong lane	$1303	$221
Failure to yield	$1310	$218
Following too closely	$1310	$223
Illegal turn	$1310	$218
Speeding 16 - 20 MPH over limit	$1310	$223
Failure to stop at a red light	$1316	$219
Improper passing	$1316	$224
Passing school bus	$1360	$227
Speeding 21 - 25 MPH over limit	$1366	$232
At-fault accident - less than $1000	$1379	$230
In 65 MPH zone	$1398	$238
At-fault accident - $1000-$2000	$1507	$251
Operating a vehicle without permission	$1538	$261
At-fault accident - greater than $2000	$1550	$259
Open container	$1583	$269
Reckless driving	$1754	$292
Driving with a suspended license	$1831	$311
Racing	$1855	$309
Refusal to submit to a chemical test	$1868	$318
DUI	$1907	$318
Leaving scene of an accident/hit and run	$1983	$337

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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 Carlton 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 Carlton.

The cheapest car insurance premiums in Carlton are offered by Cincinnati at $292 for a six-month policy. However, it can be as expensive as $2854 with companies like Farmers.

Carlton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$292	$49
Country Financial	$394	$66
Travelers	$750	$126
State Farm	$1125	$189
USAA	$1258	$212
Allstate	$1328	$224
Progressive	$1334	$225
Auto-Owners	$1691	$285
Nationwide	$2841	$474
Farmers	$2854	$485

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 Carlton are offered by Cincinnati at $147. However, it can be as expensive as $2739 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Carlton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$147	$25
Country Financial	$210	$35
Auto-Owners Insurance Co	$279	$47
State Farm	$471	$79
Travelers	$724	$122
USAA	$769	$131
Auto-Owners	$934	$156
Allstate	$1405	$239
Progressive	$1945	$324
Farmers	$2739	$465

Car Insurance Price Trends in Carlton, Alabama

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

The average cost of full coverage in the Carlton rose by $212 in December compared to $209 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Carlton rose to $54 in December, compared to $52 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 Carlton?

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

What is the cheapest car insurance in Carlton?

The cheapest car insurance in Carlton is $90 per month for full coverage.

How much is car insurance in Carlton for teenagers?

Car insurance for teenagers costs $153 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 Carlton?

The average cost of car insurance is $936 for a six-month policy. It will cost around $168 per month to insure your car in Carlton.

Is car insurance expensive in Carlton?

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

Cheapest Car Insurance Quotes in Carlton

Why you can trust Way?

How Much Is Car Insurance in Carlton

Avg. Car Insurance in Carlton

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Carlton

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Carlton Car Insurance Rates by Company

Cheap Car Insurance Companies in Carlton, AL

Way's key takeaways about car insurance in Carlton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carlton

Cheapest Liability Coverage in Carlton, AL

Cheapest Full Coverage Car Insurance in Carlton

Cheapest Full Coverage Car Insurance Quotes in Carlton, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carlton by Rating Factor

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

Car Insurance Premiums by Age in Carlton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carlton,AL

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

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 Carlton

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

Carlton Car Insurance Rates by Violation

Carlton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carlton after a DUI

Carlton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carlton after Speeding ticket

Car Insurance Price Trends in Carlton, Alabama

Average Car Insurance Cost in Carlton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carlton, AL

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

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