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Coden Car Insurance
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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.
The car insurance rate in Coden is $1048 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $566, making it a popular choice for budget-conscious drivers. Rates in Coden 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.
At $566 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
State Farm offers auto insurance rates at $738 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $799 for six months, making it the third cheapest auto insurance company in Coden.
Based on our research, the cheapest car insurance company in Coden, AL is AutoOwners Insurance Co, offering policies at just $566 for a six-month term. This is followed by State Farm, which has an average six-month premium of $738.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2242 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coden drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $566 | $94 |
| State Farm | $738 | $124 |
| Travelers | $799 | $134 |
| Country Financial | $819 | $138 |
| Cincinnati | $844 | $142 |
| USAA | $871 | $147 |
| Auto-Owners | $932 | $157 |
| Nationwide | $1177 | $200 |
| Allstate | $1197 | $202 |
| Progressive | $1351 | $227 |
| Farmers | $2242 | $374 |
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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 Coden are given below.
Cincinnati provides the cheapest minimum car insurance coverage in Coden. Their Average 6 Month Premium is $147. Farmers is the most expensive at $851 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $147 | $25 |
| Mercury | $160 | $27 |
| Country Financial | $246 | $41 |
| Auto-Owners Insurance Co | $253 | $43 |
| USAA | $253 | $43 |
| State Farm | $260 | $44 |
| Travelers | $279 | $47 |
| Auto-Owners | $319 | $54 |
| Progressive | $452 | $76 |
| Nationwide | $479 | $80 |
| Allstate | $525 | $88 |
| Farmers | $851 | $142 |
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 Coden is AutoOwners Insurance Co at $94 per month and $566 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $566 | $94 |
| State Farm | $738 | $124 |
| Travelers | $799 | $134 |
| Country Financial | $819 | $138 |
| Cincinnati | $844 | $142 |
| USAA | $871 | $147 |
| Auto-Owners | $932 | $157 |
| Nationwide | $1177 | $200 |
| Allstate | $1197 | $202 |
| Progressive | $1351 | $227 |
| Farmers | $2242 | $374 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Coden, 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, Coden's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Coden at $27 per month. At $7777 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $160 | $27 |
| Country Financial | $253 | $43 |
| Travelers | $1564 | $263 |
| USAA | $1896 | $319 |
| State Farm | $1976 | $333 |
| Auto-Owners | $3014 | $513 |
| Allstate | $3892 | $655 |
| Nationwide | $4736 | $805 |
| Progressive | $6820 | $1148 |
| Farmers | $7777 | $1309 |
Teen Car Insurance Rates in AL by Age
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.
For those with poor credit scores in Coden, Cincinnati is the cheapest car insurance provider. At $206 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 Coden is Farmers, offering rates of around $3625 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $206 | $35 |
| Country Financial | $353 | $60 |
| Nationwide | $479 | $80 |
| Travelers | $1005 | $169 |
| USAA | $1204 | $200 |
| Progressive | $1437 | $242 |
| Allstate | $2275 | $380 |
| State Farm | $2614 | $445 |
| Auto-Owners | $2887 | $482 |
| Farmers | $3625 | $616 |
Save up to $971/yr on car insurance rates in Coden.
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 Coden, AL, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Coden include Cincinnati and AutoOwners Insurance Co, offering $226 and $353, respectively. Farmers is an expensive provider with an average six-month premium of $3107.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $226 | $38 |
| Auto-Owners Insurance Co | $353 | $60 |
| Country Financial | $353 | $59 |
| Safeway | $439 | $74 |
| Travelers | $638 | $108 |
| State Farm | $712 | $120 |
| USAA | $885 | $149 |
| Auto-Owners | $944 | $159 |
| Allstate | $1497 | $252 |
| Progressive | $2175 | $366 |
| Nationwide | $2229 | $372 |
| Farmers | $3107 | $529 |
Here is a list of driving violations that can increase your car insurance rates in Coden AL. For example, the car insurance in Coden after a DUI increases to $905 for a six month policy. While the rate increases by $260 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1091 | $181 |
| One Med/PIP claim | $1091 | $186 |
| One comp claim | $1124 | $187 |
| Two Med/PIP claims | $1124 | $192 |
| Not-at-fault accident | $1131 | $188 |
| Two comp claims | $1184 | $202 |
| Driving without lights | $1297 | $216 |
| Failure to wear a seat belt | $1310 | $223 |
| Failure to show documents | $1317 | $220 |
| Child safety restraint | $1324 | $225 |
| Cell phone violation | $1344 | $224 |
| Driving with expired registration | $1344 | $228 |
| Driving too slowly | $1351 | $225 |
| Speeding 6 - 10 MPH over limit | $1351 | $230 |
| Speeding in school zone | $1351 | $225 |
| Texting while driving | $1351 | $230 |
| Speeding 11 - 15 MPH over limit | $1364 | $227 |
| Wrong way/wrong lane | $1364 | $232 |
| Failure to yield | $1371 | $228 |
| Following too closely | $1371 | $233 |
| Illegal turn | $1371 | $228 |
| Speeding 16 - 20 MPH over limit | $1371 | $233 |
| Failure to stop at a red light | $1378 | $230 |
| Improper passing | $1378 | $234 |
| Passing school bus | $1424 | $237 |
| Speeding 21 - 25 MPH over limit | $1430 | $243 |
| At-fault accident - less than $1000 | $1444 | $241 |
| In 65 MPH zone | $1464 | $249 |
| At-fault accident - $1000-$2000 | $1577 | $263 |
| Operating a vehicle without permission | $1609 | $273 |
| At-fault accident - greater than $2000 | $1623 | $271 |
| Open container | $1656 | $281 |
| Reckless driving | $1836 | $306 |
| Driving with a suspended license | $1916 | $326 |
| Racing | $1942 | $324 |
| Refusal to submit to a chemical test | $1956 | $333 |
| DUI | $1996 | $333 |
| Leaving scene of an accident/hit and run | $2075 | $353 |
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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.
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 Coden.
The cheapest car insurance premiums in Coden are offered by Cincinnati at $306 for a six-month policy. However, it can be as expensive as $2987 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $306 | $52 |
| Country Financial | $412 | $69 |
| Travelers | $785 | $132 |
| State Farm | $1177 | $198 |
| USAA | $1317 | $222 |
| Allstate | $1390 | $234 |
| Progressive | $1397 | $235 |
| Auto-Owners | $1770 | $298 |
| Nationwide | $2974 | $496 |
| Farmers | $2987 | $507 |
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 Coden are offered by Cincinnati at $153. However, it can be as expensive as $2867 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $153 | $26 |
| Country Financial | $220 | $37 |
| Auto-Owners Insurance Co | $292 | $49 |
| State Farm | $493 | $83 |
| Travelers | $758 | $128 |
| USAA | $805 | $137 |
| Auto-Owners | $978 | $164 |
| Allstate | $1471 | $250 |
| Progressive | $2036 | $339 |
| Farmers | $2867 | $487 |
Car insurance rates in Coden have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Coden rose by $222 in December compared to $218 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 Coden rose to $56 in December, compared to $55 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in Coden?
The car insurance in Coden is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Coden?
The cheapest car insurance in Coden is $94 per month for full coverage.
How much is car insurance in Coden for teenagers?
Car insurance for teenagers costs $160 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 Coden?
The average cost of car insurance is $936 for a six-month policy. It will cost around $176 per month to insure your car in Coden.
Is car insurance expensive in Coden?
Car insurance can be expensive in Coden if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Coden can be affordable.
What is the best car insurance in Coden, AL?
The best car insurance company in Coden AL is AutoOwners Insurance Co, offering $566 for a six-month policy.
Cut auto insurance costs in Coden right now.