Cheapest Car Insurance Quotes in Cowarts

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Cowarts Car Insurance

^$ 20

/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 Cowarts

The car insurance rate in Cowarts is $861 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $465, making it a popular choice for budget-conscious drivers. Rates in Cowarts 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 Cowarts

$861

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Cowarts

1st place: AutoOwners Insurance Co

At $465 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 $606 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $656 for six months, making it the third cheapest auto insurance company in Cowarts.

Cowarts Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cowarts, AL is AutoOwners Insurance Co, offering policies at just $465 for a six-month term. This is followed by State Farm, which has an average six-month premium of $606.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cowarts drivers find the best deals.

Cheap Car Insurance Companies in Cowarts, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$465	$77
State Farm	$606	$102
Travelers	$656	$110
Country Financial	$673	$113
Cincinnati	$694	$117
USAA	$716	$121
Auto-Owners	$765	$129
Nationwide	$967	$165
Allstate	$983	$166
Progressive	$1110	$187
Farmers	$1842	$307

Key Takeaways

Way's key takeaways about car insurance in Cowarts

The auto insurance costs in Cowarts fall around $465 for six months.
The cheapest auto insurance company in Cowarts is Cincinnati.
Teen drivers pay the highest rate in Cowarts at $1075 per month.

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

Cheapest Minimum Liability Car Insurance in Cowarts

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 Cowarts are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Cowarts. Their Average 6 Month Premium is $121. Farmers is the most expensive at $699 for the same period.

Cheapest Liability Coverage in Cowarts, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$121	$20
Mercury	$132	$22
Country Financial	$202	$34
Auto-Owners Insurance Co	$208	$35
USAA	$208	$35
State Farm	$213	$36
Travelers	$229	$39
Auto-Owners	$262	$44
Progressive	$372	$63
Nationwide	$394	$65
Allstate	$431	$73
Farmers	$699	$117

Cheapest Full Coverage Car Insurance in Cowarts

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 Cowarts is AutoOwners Insurance Co at $77 per month and $465 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cowarts, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$465	$77
State Farm	$606	$102
Travelers	$656	$110
Country Financial	$673	$113
Cincinnati	$694	$117
USAA	$716	$121
Auto-Owners	$765	$129
Nationwide	$967	$165
Allstate	$983	$166
Progressive	$1110	$187
Farmers	$1842	$307

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Average Car Insurance in Cowarts 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 Cowarts, AL increasing?

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

Car Insurance Premiums by Age in Cowarts

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 Cowarts,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Cowarts at $22 per month. At $6388 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$132	$22
Country Financial	$208	$35
Travelers	$1284	$216
USAA	$1558	$262
State Farm	$1623	$273
Auto-Owners	$2476	$421
Allstate	$3197	$538
Nationwide	$3891	$661
Progressive	$5602	$943
Farmers	$6388	$1075

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 Cowarts, Cincinnati is the cheapest car insurance provider. At $169 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 Cowarts is Farmers, offering rates of around $2978 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$169	$29
Country Financial	$290	$50
Nationwide	$394	$65
Travelers	$825	$139
USAA	$989	$165
Progressive	$1180	$199
Allstate	$1869	$312
State Farm	$2147	$365
Auto-Owners	$2372	$396
Farmers	$2978	$506

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Car Insurance Rates with An Accident in Cowarts

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

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

The cheapest car insurance companies after an at-fault accident in Cowarts include Cincinnati and AutoOwners Insurance Co, offering $186 and $290, respectively. Farmers is an expensive provider with an average six-month premium of $2552.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$186	$31
Auto-Owners Insurance Co	$290	$50
Country Financial	$290	$49
Safeway	$361	$61
Travelers	$524	$88
State Farm	$585	$98
USAA	$727	$122
Auto-Owners	$776	$131
Allstate	$1230	$207
Progressive	$1787	$301
Nationwide	$1831	$305
Farmers	$2552	$434

Cowarts Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cowarts AL. For example, the car insurance in Cowarts after a DUI increases to $743 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Cowarts auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$896	$149
One Med/PIP claim	$896	$153
One comp claim	$924	$154
Two Med/PIP claims	$924	$157
Not-at-fault accident	$929	$155
Two comp claims	$972	$166
Driving without lights	$1065	$178
Failure to wear a seat belt	$1076	$183
Failure to show documents	$1082	$180
Child safety restraint	$1087	$185
Cell phone violation	$1104	$184
Driving with expired registration	$1104	$188
Driving too slowly	$1110	$185
Speeding 6 - 10 MPH over limit	$1110	$189
Speeding in school zone	$1110	$185
Texting while driving	$1110	$189
Speeding 11 - 15 MPH over limit	$1121	$187
Wrong way/wrong lane	$1121	$190
Failure to yield	$1126	$188
Following too closely	$1126	$191
Illegal turn	$1126	$188
Speeding 16 - 20 MPH over limit	$1126	$191
Failure to stop at a red light	$1132	$189
Improper passing	$1132	$192
Passing school bus	$1169	$195
Speeding 21 - 25 MPH over limit	$1175	$200
At-fault accident - less than $1000	$1186	$198
In 65 MPH zone	$1202	$204
At-fault accident - $1000-$2000	$1295	$216
Operating a vehicle without permission	$1322	$224
At-fault accident - greater than $2000	$1333	$223
Open container	$1361	$231
Reckless driving	$1508	$251
Driving with a suspended license	$1574	$268
Racing	$1595	$266
Refusal to submit to a chemical test	$1606	$273
DUI	$1639	$273
Leaving scene of an accident/hit and run	$1705	$290

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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 Cowarts 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 Cowarts.

The cheapest car insurance premiums in Cowarts are offered by Cincinnati at $251 for a six-month policy. However, it can be as expensive as $2454 with companies like Farmers.

Cowarts car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$251	$42
Country Financial	$339	$57
Travelers	$645	$109
State Farm	$967	$163
USAA	$1082	$182
Allstate	$1142	$192
Progressive	$1147	$193
Auto-Owners	$1454	$245
Nationwide	$2443	$408
Farmers	$2454	$417

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 Cowarts are offered by Cincinnati at $126. However, it can be as expensive as $2355 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cowarts after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$126	$21
Country Financial	$180	$30
Auto-Owners Insurance Co	$240	$40
State Farm	$405	$68
Travelers	$623	$105
USAA	$661	$112
Auto-Owners	$803	$134
Allstate	$1208	$205
Progressive	$1673	$279
Farmers	$2355	$400

Car Insurance Price Trends in Cowarts, Alabama

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

The average cost of full coverage in the Cowarts rose by $182 in December compared to $179 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 Cowarts rose to $46 in December, compared to $45 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 Cowarts?

The car insurance in Cowarts is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Cowarts?

The cheapest car insurance in Cowarts is $77 per month for full coverage.

How much is car insurance in Cowarts for teenagers?

Car insurance for teenagers costs $132 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 Cowarts?

The average cost of car insurance is $936 for a six-month policy. It will cost around $144 per month to insure your car in Cowarts.

Is car insurance expensive in Cowarts?

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

Cheapest Car Insurance Quotes in Cowarts

Why you can trust Way?

How Much Is Car Insurance in Cowarts

Avg. Car Insurance in Cowarts

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Cowarts

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Cowarts Car Insurance Rates by Company

Cheap Car Insurance Companies in Cowarts, AL

Way's key takeaways about car insurance in Cowarts

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cowarts

Cheapest Liability Coverage in Cowarts, AL

Cheapest Full Coverage Car Insurance in Cowarts

Cheapest Full Coverage Car Insurance Quotes in Cowarts, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cowarts by Rating Factor

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

Car Insurance Premiums by Age in Cowarts

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cowarts,AL

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

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 Cowarts

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

Cowarts Car Insurance Rates by Violation

Cowarts auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cowarts after a DUI

Cowarts car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cowarts after Speeding ticket

Car Insurance Price Trends in Cowarts, Alabama

Average Car Insurance Cost in Cowarts by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cowarts, AL

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

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