Cheapest Car Insurance Quotes in Emerald Mountain

Finding the cheapest car insurance quotes in Emerald Mountain shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Emerald Mountain Car Insurance

^$ 22

/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 Emerald Mountain

The car insurance rate in Emerald Mountain is $973 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $505, making it a popular choice for budget-conscious drivers. Rates in Emerald Mountain 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 Emerald Mountain

$973

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Emerald Mountain

1st place: AutoOwners Insurance Co

At $505 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 $701 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $754 for six months, making it the third cheapest auto insurance company in Emerald Mountain.

Emerald Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Emerald Mountain, AL is AutoOwners Insurance Co, offering policies at just $505 for a six-month term. This is followed by Travelers, which has an average six-month premium of $701.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Emerald Mountain drivers find the best deals.

Cheap Car Insurance Companies in Emerald Mountain, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$505	$86
Travelers	$701	$118
Cincinnati	$754	$127
Country Financial	$760	$128
State Farm	$760	$128
USAA	$808	$136
Auto-Owners	$820	$138
Allstate	$1022	$172
Progressive	$1152	$194
Nationwide	$1420	$239
Farmers	$2002	$334

Key Takeaways

Way's key takeaways about car insurance in Emerald Mountain

The auto insurance costs in Emerald Mountain fall around $505 for six months.
The cheapest auto insurance company in Emerald Mountain is Cincinnati.
Teen drivers pay the highest rate in Emerald Mountain at $1088 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Emerald Mountain

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 Emerald Mountain are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Emerald Mountain. Their Average 6 Month Premium is $131. Farmers is the most expensive at $760 for the same period.

Cheapest Liability Coverage in Emerald Mountain, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$131	$22
Mercury	$143	$24
Auto-Owners Insurance Co	$226	$38
Travelers	$238	$40
USAA	$238	$40
State Farm	$255	$43
Auto-Owners	$273	$46
Country Financial	$285	$48
Progressive	$368	$62
Allstate	$422	$71
Nationwide	$529	$89
Farmers	$760	$127

Cheapest Full Coverage Car Insurance in Emerald Mountain

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 Emerald Mountain is AutoOwners Insurance Co at $86 per month and $505 for six months.

Cheapest Full Coverage Car Insurance Quotes in Emerald Mountain, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$505	$86
Travelers	$701	$118
Cincinnati	$754	$127
Country Financial	$760	$128
State Farm	$760	$128
USAA	$808	$136
Auto-Owners	$820	$138
Allstate	$1022	$172
Progressive	$1152	$194
Nationwide	$1420	$239
Farmers	$2002	$334

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Emerald Mountain Instantly!

Average Car Insurance in Emerald Mountain 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 Emerald Mountain, AL increasing?

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

Car Insurance Premiums by Age in Emerald Mountain

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Emerald Mountain,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Emerald Mountain at $24 per month. At $6397 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$143	$24
Country Financial	$950	$160
Travelers	$1402	$236
USAA	$1782	$300
State Farm	$2085	$351
Auto-Owners	$2400	$408
Allstate	$3124	$526
Progressive	$5441	$916
Nationwide	$5560	$936
Farmers	$6397	$1088

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 Emerald Mountain, Cincinnati is the cheapest car insurance provider. At $184 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 Emerald Mountain is Farmers, offering rates of around $3237 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$184	$31
Country Financial	$743	$125
Travelers	$843	$142
Progressive	$1152	$194
USAA	$1218	$203
Nationwide	$1544	$260
Allstate	$1729	$288
Auto-Owners	$2495	$424
State Farm	$3546	$591
Farmers	$3237	$550

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Emerald Mountain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Emerald Mountain

The cheapest car insurance companies after an at-fault accident in Emerald Mountain include Cincinnati and AutoOwners Insurance Co, offering $202 and $315, respectively. Farmers is an expensive provider with an average six-month premium of $2774.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$202	$34
Auto-Owners Insurance Co	$315	$54
Safeway	$392	$66
Travelers	$558	$94
Country Financial	$588	$99
State Farm	$731	$123
USAA	$832	$140
Auto-Owners	$903	$152
Allstate	$1224	$206
Progressive	$1895	$319
Nationwide	$2584	$435
Farmers	$2774	$472

Emerald Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Emerald Mountain AL. For example, the car insurance in Emerald Mountain after a DUI increases to $808 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Emerald Mountain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$974	$162
One Med/PIP claim	$974	$166
One comp claim	$1004	$167
Two Med/PIP claims	$1004	$171
Not-at-fault accident	$1010	$168
Two comp claims	$1057	$180
Driving without lights	$1158	$193
Failure to wear a seat belt	$1170	$199
Failure to show documents	$1176	$196
Child safety restraint	$1182	$201
Cell phone violation	$1200	$200
Driving with expired registration	$1200	$204
Driving too slowly	$1206	$201
Speeding 6 - 10 MPH over limit	$1206	$205
Speeding in school zone	$1206	$201
Texting while driving	$1206	$205
Speeding 11 - 15 MPH over limit	$1218	$203
Wrong way/wrong lane	$1218	$207
Failure to yield	$1224	$204
Following too closely	$1224	$208
Illegal turn	$1224	$204
Speeding 16 - 20 MPH over limit	$1224	$208
Failure to stop at a red light	$1230	$205
Improper passing	$1230	$209
Passing school bus	$1271	$212
Speeding 21 - 25 MPH over limit	$1277	$217
At-fault accident - less than $1000	$1289	$215
In 65 MPH zone	$1307	$222
At-fault accident - $1000-$2000	$1408	$235
Operating a vehicle without permission	$1437	$244
At-fault accident - greater than $2000	$1449	$242
Open container	$1479	$251
Reckless driving	$1639	$273
Driving with a suspended license	$1711	$291
Racing	$1734	$289
Refusal to submit to a chemical test	$1746	$297
DUI	$1782	$297
Leaving scene of an accident/hit and run	$1853	$315

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Emerald Mountain 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 Emerald Mountain.

The cheapest car insurance premiums in Emerald Mountain are offered by Cincinnati at $273 for a six-month policy. However, it can be as expensive as $2667 with companies like Farmers.

Emerald Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$273	$46
Travelers	$683	$115
Country Financial	$802	$135
Allstate	$1140	$192
Progressive	$1152	$194
USAA	$1236	$208
State Farm	$1295	$218
Auto-Owners	$1717	$289
Nationwide	$3481	$586
Farmers	$2667	$453

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 Emerald Mountain are offered by Cincinnati at $137. However, it can be as expensive as $2560 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Emerald Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Auto-Owners Insurance Co	$261	$44
State Farm	$612	$103
Country Financial	$618	$104
Travelers	$647	$109
USAA	$814	$138
Auto-Owners	$855	$143
Allstate	$1099	$187
Progressive	$1687	$281
Nationwide	$2608	$443
Farmers	$2560	$435

Car Insurance Price Trends in Emerald Mountain, Alabama

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

The average cost of full coverage in the Emerald Mountain dipped by $192 in January compared to $198 of December. In other words, there has been an decrease by $6 when you compare January and December.

The average cost of liability insurance in the Emerald Mountain dipped to $48 in January, compared to $50 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Emerald Mountain?

The car insurance in Emerald Mountain is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Emerald Mountain?

The cheapest car insurance in Emerald Mountain is $86 per month for full coverage.

How much is car insurance in Emerald Mountain for teenagers?

Car insurance for teenagers costs $143 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 Emerald Mountain?

The average cost of car insurance is $973 for a six-month policy. It will cost around $163 per month to insure your car in Emerald Mountain.

Is car insurance expensive in Emerald Mountain?

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

Cheapest Car Insurance Quotes in Emerald Mountain

Why you can trust Way?

How Much Is Car Insurance in Emerald Mountain

Avg. Car Insurance in Emerald Mountain

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Emerald Mountain

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Emerald Mountain Car Insurance Rates by Company

Cheap Car Insurance Companies in Emerald Mountain, AL

Way's key takeaways about car insurance in Emerald Mountain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Emerald Mountain

Cheapest Liability Coverage in Emerald Mountain, AL

Cheapest Full Coverage Car Insurance in Emerald Mountain

Cheapest Full Coverage Car Insurance Quotes in Emerald Mountain, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Emerald Mountain by Rating Factor

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

Car Insurance Premiums by Age in Emerald Mountain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Emerald Mountain,AL

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

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 Emerald Mountain

Cheapest Car Insurance Companies after an At-Fault Accident in Emerald Mountain

Emerald Mountain Car Insurance Rates by Violation

Emerald Mountain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Emerald Mountain after a DUI

Emerald Mountain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Emerald Mountain after Speeding ticket

Car Insurance Price Trends in Emerald Mountain, Alabama

Average Car Insurance Cost in Emerald Mountain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Emerald Mountain, AL

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

Featured Blogs

Data Sources