Cheapest Car Insurance Quotes in Chelsea

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Chelsea 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 Chelsea

The car insurance rate in Chelsea is $1020 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $550, making it a popular choice for budget-conscious drivers. Rates in Chelsea 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 Chelsea

$1020

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Chelsea

1st place: AutoOwners Insurance Co

At $550 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 $718 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $777 for six months, making it the third cheapest auto insurance company in Chelsea.

Chelsea Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chelsea, AL is AutoOwners Insurance Co, offering policies at just $550 for a six-month term. This is followed by State Farm, which has an average six-month premium of $718.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2182 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chelsea drivers find the best deals.

Cheap Car Insurance Companies in Chelsea, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$550	$92
State Farm	$718	$121
Travelers	$777	$131
Country Financial	$797	$134
Cincinnati	$822	$138
USAA	$848	$143
Auto-Owners	$907	$153
Nationwide	$1146	$195
Allstate	$1165	$196
Progressive	$1315	$221
Farmers	$2182	$364

Key Takeaways

Way's key takeaways about car insurance in Chelsea

The auto insurance costs in Chelsea fall around $550 for six months.
The cheapest auto insurance company in Chelsea is Cincinnati.
Teen drivers pay the highest rate in Chelsea at $1274 per month.

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Cheapest Minimum Liability Car Insurance in Chelsea

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 Chelsea are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Chelsea. Their Average 6 Month Premium is $143. Farmers is the most expensive at $828 for the same period.

Cheapest Liability Coverage in Chelsea, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$143	$24
Mercury	$156	$26
Country Financial	$240	$40
Auto-Owners Insurance Co	$246	$41
USAA	$246	$41
State Farm	$253	$43
Travelers	$271	$46
Auto-Owners	$311	$52
Progressive	$440	$74
Nationwide	$467	$77
Allstate	$511	$86
Farmers	$828	$138

Cheapest Full Coverage Car Insurance in Chelsea

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 Chelsea is AutoOwners Insurance Co at $92 per month and $550 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chelsea, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$550	$92
State Farm	$718	$121
Travelers	$777	$131
Country Financial	$797	$134
Cincinnati	$822	$138
USAA	$848	$143
Auto-Owners	$907	$153
Nationwide	$1146	$195
Allstate	$1165	$196
Progressive	$1315	$221
Farmers	$2182	$364

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Average Car Insurance in Chelsea 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 Chelsea, AL increasing?

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

Car Insurance Premiums by Age in Chelsea

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 Chelsea,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Chelsea at $26 per month. At $7569 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$156	$26
Country Financial	$246	$41
Travelers	$1522	$256
USAA	$1845	$311
State Farm	$1923	$324
Auto-Owners	$2933	$499
Allstate	$3788	$638
Nationwide	$4610	$784
Progressive	$6637	$1117
Farmers	$7569	$1274

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 Chelsea, Cincinnati is the cheapest car insurance provider. At $201 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 Chelsea is Farmers, offering rates of around $3528 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$201	$34
Country Financial	$343	$59
Nationwide	$467	$77
Travelers	$978	$165
USAA	$1172	$195
Progressive	$1398	$235
Allstate	$2214	$370
State Farm	$2544	$433
Auto-Owners	$2810	$469
Farmers	$3528	$600

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

Car Insurance Rates with An Accident in Chelsea

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

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

The cheapest car insurance companies after an at-fault accident in Chelsea include Cincinnati and AutoOwners Insurance Co, offering $220 and $343, respectively. Farmers is an expensive provider with an average six-month premium of $3024.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$220	$37
Auto-Owners Insurance Co	$343	$59
Country Financial	$343	$58
Safeway	$427	$72
Travelers	$621	$105
State Farm	$693	$117
USAA	$861	$145
Auto-Owners	$919	$155
Allstate	$1457	$245
Progressive	$2117	$356
Nationwide	$2169	$362
Farmers	$3024	$514

Chelsea Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chelsea AL. For example, the car insurance in Chelsea after a DUI increases to $880 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Chelsea auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1062	$177
One Med/PIP claim	$1062	$181
One comp claim	$1094	$182
Two Med/PIP claims	$1094	$186
Not-at-fault accident	$1101	$183
Two comp claims	$1152	$196
Driving without lights	$1262	$210
Failure to wear a seat belt	$1275	$217
Failure to show documents	$1282	$214
Child safety restraint	$1288	$219
Cell phone violation	$1308	$218
Driving with expired registration	$1308	$222
Driving too slowly	$1315	$219
Speeding 6 - 10 MPH over limit	$1315	$223
Speeding in school zone	$1315	$219
Texting while driving	$1315	$223
Speeding 11 - 15 MPH over limit	$1328	$221
Wrong way/wrong lane	$1328	$226
Failure to yield	$1334	$222
Following too closely	$1334	$227
Illegal turn	$1334	$222
Speeding 16 - 20 MPH over limit	$1334	$227
Failure to stop at a red light	$1341	$223
Improper passing	$1341	$228
Passing school bus	$1385	$231
Speeding 21 - 25 MPH over limit	$1392	$237
At-fault accident - less than $1000	$1405	$234
In 65 MPH zone	$1425	$242
At-fault accident - $1000-$2000	$1535	$256
Operating a vehicle without permission	$1566	$266
At-fault accident - greater than $2000	$1579	$264
Open container	$1612	$274
Reckless driving	$1787	$298
Driving with a suspended license	$1865	$317
Racing	$1890	$315
Refusal to submit to a chemical test	$1903	$324
DUI	$1942	$324
Leaving scene of an accident/hit and run	$2020	$343

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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 Chelsea 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 Chelsea.

The cheapest car insurance premiums in Chelsea are offered by Cincinnati at $298 for a six-month policy. However, it can be as expensive as $2907 with companies like Farmers.

Chelsea car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$298	$50
Country Financial	$401	$68
Travelers	$764	$129
State Farm	$1146	$193
USAA	$1282	$216
Allstate	$1353	$228
Progressive	$1359	$229
Auto-Owners	$1722	$290
Nationwide	$2894	$483
Farmers	$2907	$494

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 Chelsea are offered by Cincinnati at $149. However, it can be as expensive as $2790 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Chelsea after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$149	$25
Country Financial	$214	$36
Auto-Owners Insurance Co	$284	$48
State Farm	$480	$81
Travelers	$738	$124
USAA	$784	$133
Auto-Owners	$952	$159
Allstate	$1431	$243
Progressive	$1982	$330
Farmers	$2790	$474

Car Insurance Price Trends in Chelsea, Alabama

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

The average cost of full coverage in the Chelsea rose by $216 in December compared to $213 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 Chelsea rose to $55 in December, compared to $53 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 Chelsea?

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

What is the cheapest car insurance in Chelsea?

The cheapest car insurance in Chelsea is $92 per month for full coverage.

How much is car insurance in Chelsea for teenagers?

Car insurance for teenagers costs $156 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 Chelsea?

The average cost of car insurance is $936 for a six-month policy. It will cost around $171 per month to insure your car in Chelsea.

Is car insurance expensive in Chelsea?

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

Cheapest Car Insurance Quotes in Chelsea

Why you can trust Way?

How Much Is Car Insurance in Chelsea

Avg. Car Insurance in Chelsea

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Chelsea

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Chelsea Car Insurance Rates by Company

Cheap Car Insurance Companies in Chelsea, AL

Way's key takeaways about car insurance in Chelsea

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chelsea

Cheapest Liability Coverage in Chelsea, AL

Cheapest Full Coverage Car Insurance in Chelsea

Cheapest Full Coverage Car Insurance Quotes in Chelsea, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chelsea by Rating Factor

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

Car Insurance Premiums by Age in Chelsea

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chelsea,AL

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

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 Chelsea

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

Chelsea Car Insurance Rates by Violation

Chelsea auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chelsea after a DUI

Chelsea car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chelsea after Speeding ticket

Car Insurance Price Trends in Chelsea, Alabama

Average Car Insurance Cost in Chelsea by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chelsea, AL

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

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