Cheapest Car Insurance Quotes in Emelle

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Emelle 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 Emelle

The car insurance rate in Emelle is $1051 for a six-month policy, which is $78 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $545, making it a popular choice for budget-conscious drivers. Rates in Emelle 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 Emelle

$1051

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Emelle

1st place: AutoOwners Insurance Co

At $545 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $757 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $814 for six months, making it the third cheapest auto insurance company in Emelle.

Emelle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Emelle, AL is AutoOwners Insurance Co, offering policies at just $545 for a six-month term. This is followed by Travelers, which has an average six-month premium of $757.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2162 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Emelle drivers find the best deals.

Cheap Car Insurance Companies in Emelle, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$545	$93
Travelers	$757	$127
Cincinnati	$814	$137
Country Financial	$821	$138
State Farm	$821	$138
USAA	$873	$147
Auto-Owners	$886	$149
Allstate	$1104	$186
Progressive	$1244	$210
Nationwide	$1534	$258
Farmers	$2162	$361

Key Takeaways

Way's key takeaways about car insurance in Emelle

The auto insurance costs in Emelle fall around $545 for six months.
The cheapest auto insurance company in Emelle is Cincinnati.
Teen drivers pay the highest rate in Emelle at $1175 per month.

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

Cheapest Minimum Liability Car Insurance in Emelle

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 Emelle are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Emelle. Their Average 6 Month Premium is $141. Farmers is the most expensive at $821 for the same period.

Cheapest Liability Coverage in Emelle, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$141	$24
Mercury	$154	$26
Auto-Owners Insurance Co	$244	$41
Travelers	$257	$43
USAA	$257	$43
State Farm	$275	$46
Auto-Owners	$295	$50
Country Financial	$308	$52
Progressive	$397	$67
Allstate	$456	$77
Nationwide	$571	$96
Farmers	$821	$137

Cheapest Full Coverage Car Insurance in Emelle

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 Emelle is AutoOwners Insurance Co at $93 per month and $545 for six months.

Cheapest Full Coverage Car Insurance Quotes in Emelle, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$545	$93
Travelers	$757	$127
Cincinnati	$814	$137
Country Financial	$821	$138
State Farm	$821	$138
USAA	$873	$147
Auto-Owners	$886	$149
Allstate	$1104	$186
Progressive	$1244	$210
Nationwide	$1534	$258
Farmers	$2162	$361

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Average Car Insurance in Emelle 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 Emelle, AL increasing?

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

Car Insurance Premiums by Age in Emelle

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 Emelle,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Emelle at $26 per month. At $6909 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$154	$26
Country Financial	$1026	$173
Travelers	$1514	$255
USAA	$1925	$324
State Farm	$2252	$379
Auto-Owners	$2592	$441
Allstate	$3374	$568
Progressive	$5876	$989
Nationwide	$6005	$1011
Farmers	$6909	$1175

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 Emelle, Cincinnati is the cheapest car insurance provider. At $199 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 Emelle is Farmers, offering rates of around $3496 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$199	$33
Country Financial	$802	$135
Travelers	$910	$153
Progressive	$1244	$210
USAA	$1315	$219
Nationwide	$1668	$281
Allstate	$1867	$311
Auto-Owners	$2695	$458
State Farm	$3830	$638
Farmers	$3496	$594

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Car Insurance Rates with An Accident in Emelle

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

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

The cheapest car insurance companies after an at-fault accident in Emelle include Cincinnati and AutoOwners Insurance Co, offering $218 and $340, respectively. Farmers is an expensive provider with an average six-month premium of $2996.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$218	$37
Auto-Owners Insurance Co	$340	$58
Safeway	$423	$71
Travelers	$603	$102
Country Financial	$635	$107
State Farm	$789	$133
USAA	$899	$151
Auto-Owners	$975	$164
Allstate	$1322	$222
Progressive	$2047	$345
Nationwide	$2791	$470
Farmers	$2996	$510

Emelle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Emelle AL. For example, the car insurance in Emelle after a DUI increases to $873 for a six month policy. While the rate increases by $250 for a six-month policy in the case of a speeding ticket.

Emelle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1052	$175
One Med/PIP claim	$1052	$179
One comp claim	$1084	$180
Two Med/PIP claims	$1084	$185
Not-at-fault accident	$1091	$181
Two comp claims	$1142	$194
Driving without lights	$1251	$208
Failure to wear a seat belt	$1264	$215
Failure to show documents	$1270	$212
Child safety restraint	$1277	$217
Cell phone violation	$1296	$216
Driving with expired registration	$1296	$220
Driving too slowly	$1302	$217
Speeding 6 - 10 MPH over limit	$1302	$221
Speeding in school zone	$1302	$217
Texting while driving	$1302	$221
Speeding 11 - 15 MPH over limit	$1315	$219
Wrong way/wrong lane	$1315	$224
Failure to yield	$1322	$220
Following too closely	$1322	$225
Illegal turn	$1322	$220
Speeding 16 - 20 MPH over limit	$1322	$225
Failure to stop at a red light	$1328	$221
Improper passing	$1328	$226
Passing school bus	$1373	$229
Speeding 21 - 25 MPH over limit	$1379	$234
At-fault accident - less than $1000	$1392	$232
In 65 MPH zone	$1412	$240
At-fault accident - $1000-$2000	$1521	$254
Operating a vehicle without permission	$1552	$264
At-fault accident - greater than $2000	$1565	$261
Open container	$1597	$271
Reckless driving	$1770	$295
Driving with a suspended license	$1848	$314
Racing	$1873	$312
Refusal to submit to a chemical test	$1886	$321
DUI	$1925	$321
Leaving scene of an accident/hit and run	$2001	$340

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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 Emelle 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 Emelle.

The cheapest car insurance premiums in Emelle are offered by Cincinnati at $295 for a six-month policy. However, it can be as expensive as $2880 with companies like Farmers.

Emelle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$295	$50
Travelers	$738	$124
Country Financial	$866	$146
Allstate	$1231	$207
Progressive	$1244	$210
USAA	$1335	$225
State Farm	$1399	$235
Auto-Owners	$1854	$312
Nationwide	$3759	$633
Farmers	$2880	$489

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 Emelle are offered by Cincinnati at $148. However, it can be as expensive as $2765 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Emelle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$148	$25
Auto-Owners Insurance Co	$282	$48
State Farm	$661	$111
Country Financial	$667	$112
Travelers	$699	$118
USAA	$879	$149
Auto-Owners	$923	$154
Allstate	$1187	$202
Progressive	$1822	$303
Nationwide	$2817	$478
Farmers	$2765	$470

Car Insurance Price Trends in Emelle, Alabama

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

The average cost of full coverage in the Emelle dipped by $207 in January compared to $214 of December. In other words, there has been an decrease by $7 when you compare January and December.

The average cost of liability insurance in the Emelle dipped to $52 in January, compared to $54 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Emelle?

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

What is the cheapest car insurance in Emelle?

The cheapest car insurance in Emelle is $93 per month for full coverage.

How much is car insurance in Emelle for teenagers?

Car insurance for teenagers costs $154 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 Emelle?

The average cost of car insurance is $973 for a six-month policy. It will cost around $176 per month to insure your car in Emelle.

Is car insurance expensive in Emelle?

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

Cheapest Car Insurance Quotes in Emelle

Why you can trust Way?

How Much Is Car Insurance in Emelle

Avg. Car Insurance in Emelle

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Emelle

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Emelle Car Insurance Rates by Company

Cheap Car Insurance Companies in Emelle, AL

Way's key takeaways about car insurance in Emelle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Emelle

Cheapest Liability Coverage in Emelle, AL

Cheapest Full Coverage Car Insurance in Emelle

Cheapest Full Coverage Car Insurance Quotes in Emelle, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Emelle by Rating Factor

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

Car Insurance Premiums by Age in Emelle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Emelle,AL

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

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 Emelle

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

Emelle Car Insurance Rates by Violation

Emelle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Emelle after a DUI

Emelle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Emelle after Speeding ticket

Car Insurance Price Trends in Emelle, Alabama

Average Car Insurance Cost in Emelle by ZIP Code

Frequently Asked Questions

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