Cheapest Car Insurance Quotes in Fairfield

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Fairfield Car Insurance

^$ 26

/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 Fairfield

The car insurance rate in Fairfield is $1139 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $596, making it a popular choice for budget-conscious drivers. Rates in Fairfield 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 Fairfield

$1139

Avg. Car Insurance in Alabama

$965

National Average

$1278

Cheapest Car Insurance Companies in Fairfield

1st place: AutoOwners Insurance Co

At $596 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 $813 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $890 for six months, making it the third cheapest auto insurance company in Fairfield.

Fairfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairfield, AL is AutoOwners Insurance Co, offering policies at just $596 for a six-month term. This is followed by Travelers, which has an average six-month premium of $813.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2362 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairfield drivers find the best deals.

Cheap Car Insurance Companies in Fairfield, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$596	$101
Travelers	$813	$137
Cincinnati	$890	$150
Country Financial	$897	$151
State Farm	$897	$151
Auto-Owners	$968	$163
USAA	$989	$166
Allstate	$1142	$192
Progressive	$1304	$219
Nationwide	$1676	$282
Farmers	$2362	$394

Key Takeaways

Way's key takeaways about car insurance in Fairfield

The auto insurance costs in Fairfield fall around $596 for six months.
The cheapest auto insurance company in Fairfield is Cincinnati.
Teen drivers pay the highest rate in Fairfield at $1284 per month.

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Cheapest Minimum Liability Car Insurance in Fairfield

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 Fairfield are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Fairfield. Their Average 6 Month Premium is $155. Farmers is the most expensive at $897 for the same period.

Cheapest Liability Coverage in Fairfield, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$155	$26
Mercury	$169	$28
Auto-Owners Insurance Co	$267	$45
Travelers	$267	$45
USAA	$274	$46
State Farm	$294	$50
Auto-Owners	$322	$54
Country Financial	$336	$57
Progressive	$434	$73
Allstate	$441	$74
Nationwide	$624	$105
Farmers	$897	$150

Cheapest Full Coverage Car Insurance in Fairfield

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 Fairfield is AutoOwners Insurance Co at $101 per month and $596 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairfield, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$596	$101
Travelers	$813	$137
Cincinnati	$890	$150
Country Financial	$897	$151
State Farm	$897	$151
Auto-Owners	$968	$163
USAA	$989	$166
Allstate	$1142	$192
Progressive	$1304	$219
Nationwide	$1676	$282
Farmers	$2362	$394

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Average Car Insurance in Fairfield 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 Fairfield, AL increasing?

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

Car Insurance Premiums by Age in Fairfield

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 Fairfield,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Fairfield at $28 per month. At $7548 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$169	$28
Country Financial	$1121	$189
Travelers	$1654	$278
USAA	$2103	$354
State Farm	$2460	$414
Auto-Owners	$2832	$481
Allstate	$3686	$621
Progressive	$6420	$1081
Nationwide	$6561	$1104
Farmers	$7548	$1284

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 Fairfield, Cincinnati is the cheapest car insurance provider. At $217 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 Fairfield is Farmers, offering rates of around $3820 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$217	$37
Country Financial	$877	$148
Travelers	$995	$168
Progressive	$1359	$229
USAA	$1437	$240
Nationwide	$1822	$307
Allstate	$2040	$340
Auto-Owners	$2944	$500
State Farm	$4184	$697
Farmers	$3820	$649

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Car Insurance Rates with An Accident in Fairfield

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

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

The cheapest car insurance companies after an at-fault accident in Fairfield include Cincinnati and AutoOwners Insurance Co, offering $238 and $372, respectively. Farmers is an expensive provider with an average six-month premium of $3273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$238	$40
Auto-Owners Insurance Co	$372	$64
Safeway	$441	$74
Travelers	$589	$99
Country Financial	$694	$117
State Farm	$763	$129
USAA	$982	$165
Auto-Owners	$1066	$179
Allstate	$1171	$197
Progressive	$2236	$376
Nationwide	$3049	$513
Farmers	$3273	$557

Fairfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairfield AL. For example, the car insurance in Fairfield after a DUI increases to $954 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Fairfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1149	$191
One Med/PIP claim	$1149	$196
One comp claim	$1185	$197
Two Med/PIP claims	$1185	$202
Not-at-fault accident	$1192	$198
Two comp claims	$1247	$212
Driving without lights	$1366	$228
Failure to wear a seat belt	$1381	$235
Failure to show documents	$1388	$231
Child safety restraint	$1395	$237
Cell phone violation	$1416	$236
Driving with expired registration	$1416	$241
Driving too slowly	$1423	$237
Speeding 6 - 10 MPH over limit	$1423	$242
Speeding in school zone	$1423	$237
Texting while driving	$1423	$242
Speeding 11 - 15 MPH over limit	$1437	$240
Wrong way/wrong lane	$1437	$244
Failure to yield	$1444	$241
Following too closely	$1444	$245
Illegal turn	$1444	$241
Speeding 16 - 20 MPH over limit	$1444	$245
Failure to stop at a red light	$1451	$242
Improper passing	$1451	$247
Passing school bus	$1500	$250
Speeding 21 - 25 MPH over limit	$1507	$256
At-fault accident - less than $1000	$1521	$254
In 65 MPH zone	$1542	$262
At-fault accident - $1000-$2000	$1661	$277
Operating a vehicle without permission	$1696	$288
At-fault accident - greater than $2000	$1710	$286
Open container	$1745	$296
Reckless driving	$1934	$322
Driving with a suspended license	$2019	$343
Racing	$2046	$341
Refusal to submit to a chemical test	$2060	$350
DUI	$2103	$350
Leaving scene of an accident/hit and run	$2187	$372

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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 Fairfield 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 Fairfield.

The cheapest car insurance premiums in Fairfield are offered by Cincinnati at $322 for a six-month policy. However, it can be as expensive as $3147 with companies like Farmers.

Fairfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$322	$54
Travelers	$806	$136
Country Financial	$946	$159
Allstate	$1345	$227
Progressive	$1359	$229
USAA	$1458	$245
State Farm	$1528	$257
Auto-Owners	$2026	$341
Nationwide	$4108	$691
Farmers	$3147	$535

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 Fairfield are offered by Cincinnati at $162. However, it can be as expensive as $3021 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fairfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Auto-Owners Insurance Co	$308	$52
State Farm	$722	$122
Country Financial	$729	$123
Travelers	$763	$129
USAA	$961	$163
Auto-Owners	$1009	$169
Allstate	$1297	$221
Progressive	$1991	$332
Nationwide	$3077	$523
Farmers	$3021	$513

Car Insurance Price Trends in Fairfield, Alabama

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

The average cost of full coverage in the Fairfield dipped by $222 in February compared to $227 of January. In other words, there has been an decrease by $5 when you compare February and January.

The average cost of liability insurance in the Fairfield dipped to $54 in February, compared to $57 in January. This represents an decrease of $3 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Fairfield?

The car insurance in Fairfield is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Fairfield?

The cheapest car insurance in Fairfield is $101 per month for full coverage.

How much is car insurance in Fairfield for teenagers?

Car insurance for teenagers costs $169 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 Fairfield?

The average cost of car insurance is $965 for a six-month policy. It will cost around $191 per month to insure your car in Fairfield.

Is car insurance expensive in Fairfield?

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

Cheapest Car Insurance Quotes in Fairfield

Why you can trust Way?

How Much Is Car Insurance in Fairfield

Avg. Car Insurance in Fairfield

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Fairfield

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Fairfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairfield, AL

Way's key takeaways about car insurance in Fairfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairfield

Cheapest Liability Coverage in Fairfield, AL

Cheapest Full Coverage Car Insurance in Fairfield

Cheapest Full Coverage Car Insurance Quotes in Fairfield, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairfield by Rating Factor

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

Car Insurance Premiums by Age in Fairfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairfield,AL

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

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 Fairfield

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

Fairfield Car Insurance Rates by Violation

Fairfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairfield after a DUI

Fairfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairfield after Speeding ticket

Car Insurance Price Trends in Fairfield, Alabama

Average Car Insurance Cost in Fairfield by ZIP Code

Frequently Asked Questions

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