Cheapest Car Insurance Quotes in Edgewater

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Edgewater 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 Edgewater

The car insurance rate in Edgewater is $1058 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $571, making it a popular choice for budget-conscious drivers. Rates in Edgewater 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 Edgewater

$1058

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Edgewater

1st place: AutoOwners Insurance Co

At $571 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 $745 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $806 for six months, making it the third cheapest auto insurance company in Edgewater.

Edgewater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edgewater, AL is AutoOwners Insurance Co, offering policies at just $571 for a six-month term. This is followed by State Farm, which has an average six-month premium of $745.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2262 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edgewater drivers find the best deals.

Cheap Car Insurance Companies in Edgewater, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$571	$95
State Farm	$745	$125
Travelers	$806	$136
Country Financial	$826	$139
Cincinnati	$852	$144
USAA	$879	$148
Auto-Owners	$940	$158
Nationwide	$1188	$202
Allstate	$1208	$203
Progressive	$1363	$229
Farmers	$2262	$377

Key Takeaways

Way's key takeaways about car insurance in Edgewater

The auto insurance costs in Edgewater fall around $571 for six months.
The cheapest auto insurance company in Edgewater is Cincinnati.
Teen drivers pay the highest rate in Edgewater at $1321 per month.

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

Cheapest Minimum Liability Car Insurance in Edgewater

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 Edgewater are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Edgewater. Their Average 6 Month Premium is $148. Farmers is the most expensive at $859 for the same period.

Cheapest Liability Coverage in Edgewater, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$148	$25
Mercury	$162	$27
Country Financial	$249	$42
Auto-Owners Insurance Co	$255	$43
USAA	$255	$43
State Farm	$262	$44
Travelers	$281	$47
Auto-Owners	$322	$54
Progressive	$457	$77
Nationwide	$484	$80
Allstate	$530	$89
Farmers	$859	$144

Cheapest Full Coverage Car Insurance in Edgewater

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 Edgewater is AutoOwners Insurance Co at $95 per month and $571 for six months.

Cheapest Full Coverage Car Insurance Quotes in Edgewater, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$571	$95
State Farm	$745	$125
Travelers	$806	$136
Country Financial	$826	$139
Cincinnati	$852	$144
USAA	$879	$148
Auto-Owners	$940	$158
Nationwide	$1188	$202
Allstate	$1208	$203
Progressive	$1363	$229
Farmers	$2262	$377

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Average Car Insurance in Edgewater 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 Edgewater, AL increasing?

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

Car Insurance Premiums by Age in Edgewater

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 Edgewater,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Edgewater at $27 per month. At $7847 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Country Financial	$255	$43
Travelers	$1577	$266
USAA	$1913	$322
State Farm	$1993	$336
Auto-Owners	$3041	$518
Allstate	$3927	$661
Nationwide	$4779	$812
Progressive	$6881	$1158
Farmers	$7847	$1321

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 Edgewater, Cincinnati is the cheapest car insurance provider. At $208 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 Edgewater is Farmers, offering rates of around $3658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$208	$35
Country Financial	$356	$61
Nationwide	$484	$80
Travelers	$1014	$171
USAA	$1215	$202
Progressive	$1450	$244
Allstate	$2295	$383
State Farm	$2637	$449
Auto-Owners	$2913	$486
Farmers	$3658	$621

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Car Insurance Rates with An Accident in Edgewater

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

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

The cheapest car insurance companies after an at-fault accident in Edgewater include Cincinnati and AutoOwners Insurance Co, offering $228 and $356, respectively. Farmers is an expensive provider with an average six-month premium of $3135.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$228	$38
Auto-Owners Insurance Co	$356	$61
Country Financial	$356	$60
Safeway	$443	$75
Travelers	$644	$108
State Farm	$719	$121
USAA	$893	$150
Auto-Owners	$953	$160
Allstate	$1511	$254
Progressive	$2194	$370
Nationwide	$2249	$375
Farmers	$3135	$533

Edgewater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Edgewater AL. For example, the car insurance in Edgewater after a DUI increases to $913 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Edgewater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1101	$183
One Med/PIP claim	$1101	$188
One comp claim	$1135	$189
Two Med/PIP claims	$1135	$193
Not-at-fault accident	$1141	$190
Two comp claims	$1194	$203
Driving without lights	$1309	$218
Failure to wear a seat belt	$1322	$225
Failure to show documents	$1329	$221
Child safety restraint	$1336	$227
Cell phone violation	$1356	$226
Driving with expired registration	$1356	$231
Driving too slowly	$1363	$227
Speeding 6 - 10 MPH over limit	$1363	$232
Speeding in school zone	$1363	$227
Texting while driving	$1363	$232
Speeding 11 - 15 MPH over limit	$1376	$229
Wrong way/wrong lane	$1376	$234
Failure to yield	$1383	$231
Following too closely	$1383	$235
Illegal turn	$1383	$231
Speeding 16 - 20 MPH over limit	$1383	$235
Failure to stop at a red light	$1390	$232
Improper passing	$1390	$236
Passing school bus	$1436	$240
Speeding 21 - 25 MPH over limit	$1443	$245
At-fault accident - less than $1000	$1457	$243
In 65 MPH zone	$1477	$251
At-fault accident - $1000-$2000	$1591	$266
Operating a vehicle without permission	$1624	$276
At-fault accident - greater than $2000	$1637	$273
Open container	$1671	$284
Reckless driving	$1852	$308
Driving with a suspended license	$1933	$329
Racing	$1959	$327
Refusal to submit to a chemical test	$1973	$336
DUI	$2014	$336
Leaving scene of an accident/hit and run	$2094	$356

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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 Edgewater 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 Edgewater.

The cheapest car insurance premiums in Edgewater are offered by Cincinnati at $308 for a six-month policy. However, it can be as expensive as $3014 with companies like Farmers.

Edgewater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$308	$52
Country Financial	$416	$70
Travelers	$792	$133
State Farm	$1188	$200
USAA	$1329	$224
Allstate	$1402	$236
Progressive	$1409	$237
Auto-Owners	$1785	$301
Nationwide	$3000	$501
Farmers	$3014	$512

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 Edgewater are offered by Cincinnati at $155. However, it can be as expensive as $2893 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Edgewater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$155	$26
Country Financial	$221	$37
Auto-Owners Insurance Co	$295	$50
State Farm	$497	$84
Travelers	$765	$129
USAA	$812	$138
Auto-Owners	$986	$165
Allstate	$1484	$252
Progressive	$2054	$342
Farmers	$2893	$492

Car Insurance Price Trends in Edgewater, Alabama

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

The average cost of full coverage in the Edgewater rose by $224 in December compared to $220 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 Edgewater rose to $56 in December, compared to $55 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 Edgewater?

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

What is the cheapest car insurance in Edgewater?

The cheapest car insurance in Edgewater is $95 per month for full coverage.

How much is car insurance in Edgewater for teenagers?

Car insurance for teenagers costs $162 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 Edgewater?

The average cost of car insurance is $936 for a six-month policy. It will cost around $177 per month to insure your car in Edgewater.

Is car insurance expensive in Edgewater?

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

Cheapest Car Insurance Quotes in Edgewater

Why you can trust Way?

How Much Is Car Insurance in Edgewater

Avg. Car Insurance in Edgewater

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Edgewater

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Edgewater Car Insurance Rates by Company

Cheap Car Insurance Companies in Edgewater, AL

Way's key takeaways about car insurance in Edgewater

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Edgewater

Cheapest Liability Coverage in Edgewater, AL

Cheapest Full Coverage Car Insurance in Edgewater

Cheapest Full Coverage Car Insurance Quotes in Edgewater, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Edgewater by Rating Factor

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

Car Insurance Premiums by Age in Edgewater

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Edgewater,AL

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

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 Edgewater

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

Edgewater Car Insurance Rates by Violation

Edgewater auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Edgewater after a DUI

Edgewater car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Edgewater after Speeding ticket

Car Insurance Price Trends in Edgewater, Alabama

Average Car Insurance Cost in Edgewater by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Edgewater, AL

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

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