Cheapest Car Insurance Quotes in Forestdale

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Forestdale 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 Forestdale

The car insurance rate in Forestdale is $1119 for a six-month policy, which is $146 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $581, making it a popular choice for budget-conscious drivers. Rates in Forestdale 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 Forestdale

$1119

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Forestdale

1st place: AutoOwners Insurance Co

At $581 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 $806 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $867 for six months, making it the third cheapest auto insurance company in Forestdale.

Forestdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Forestdale, AL is AutoOwners Insurance Co, offering policies at just $581 for a six-month term. This is followed by Travelers, which has an average six-month premium of $806.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Forestdale drivers find the best deals.

Cheap Car Insurance Companies in Forestdale, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$581	$99
Travelers	$806	$136
Cincinnati	$867	$146
Country Financial	$874	$147
State Farm	$874	$147
USAA	$929	$156
Auto-Owners	$943	$159
Allstate	$1175	$198
Progressive	$1325	$223
Nationwide	$1633	$275
Farmers	$2302	$384

Key Takeaways

Way's key takeaways about car insurance in Forestdale

The auto insurance costs in Forestdale fall around $581 for six months.
The cheapest auto insurance company in Forestdale is Cincinnati.
Teen drivers pay the highest rate in Forestdale at $1251 per month.

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Cheapest Minimum Liability Car Insurance in Forestdale

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 Forestdale are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Forestdale. Their Average 6 Month Premium is $151. Farmers is the most expensive at $874 for the same period.

Cheapest Liability Coverage in Forestdale, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$151	$25
Mercury	$164	$28
Auto-Owners Insurance Co	$260	$44
Travelers	$274	$46
USAA	$274	$46
State Farm	$293	$49
Auto-Owners	$314	$53
Country Financial	$328	$55
Progressive	$423	$71
Allstate	$485	$82
Nationwide	$608	$102
Farmers	$874	$146

Cheapest Full Coverage Car Insurance in Forestdale

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 Forestdale is AutoOwners Insurance Co at $99 per month and $581 for six months.

Cheapest Full Coverage Car Insurance Quotes in Forestdale, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$581	$99
Travelers	$806	$136
Cincinnati	$867	$146
Country Financial	$874	$147
State Farm	$874	$147
USAA	$929	$156
Auto-Owners	$943	$159
Allstate	$1175	$198
Progressive	$1325	$223
Nationwide	$1633	$275
Farmers	$2302	$384

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Average Car Insurance in Forestdale 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 Forestdale, AL increasing?

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

Car Insurance Premiums by Age in Forestdale

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 Forestdale,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Forestdale at $28 per month. At $7357 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$164	$28
Country Financial	$1093	$184
Travelers	$1612	$271
USAA	$2049	$345
State Farm	$2398	$404
Auto-Owners	$2760	$469
Allstate	$3593	$605
Progressive	$6257	$1053
Nationwide	$6394	$1076
Farmers	$7357	$1251

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 Forestdale, Cincinnati is the cheapest car insurance provider. At $212 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 Forestdale is Farmers, offering rates of around $3723 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$212	$36
Country Financial	$854	$144
Travelers	$969	$163
Progressive	$1325	$223
USAA	$1401	$233
Nationwide	$1776	$299
Allstate	$1988	$331
Auto-Owners	$2869	$488
State Farm	$4078	$680
Farmers	$3723	$633

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Car Insurance Rates with An Accident in Forestdale

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

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

The cheapest car insurance companies after an at-fault accident in Forestdale include Cincinnati and AutoOwners Insurance Co, offering $232 and $362, respectively. Farmers is an expensive provider with an average six-month premium of $3190.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$232	$39
Auto-Owners Insurance Co	$362	$62
Safeway	$451	$76
Travelers	$642	$108
Country Financial	$676	$114
State Farm	$841	$141
USAA	$957	$161
Auto-Owners	$1038	$175
Allstate	$1408	$237
Progressive	$2179	$367
Nationwide	$2972	$500
Farmers	$3190	$543

Forestdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Forestdale AL. For example, the car insurance in Forestdale after a DUI increases to $929 for a six month policy. While the rate increases by $267 for a six-month policy in the case of a speeding ticket.

Forestdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1120	$186
One Med/PIP claim	$1120	$191
One comp claim	$1155	$192
Two Med/PIP claims	$1155	$197
Not-at-fault accident	$1162	$193
Two comp claims	$1216	$207
Driving without lights	$1332	$222
Failure to wear a seat belt	$1346	$229
Failure to show documents	$1352	$225
Child safety restraint	$1359	$231
Cell phone violation	$1380	$230
Driving with expired registration	$1380	$235
Driving too slowly	$1387	$231
Speeding 6 - 10 MPH over limit	$1387	$236
Speeding in school zone	$1387	$231
Texting while driving	$1387	$236
Speeding 11 - 15 MPH over limit	$1401	$233
Wrong way/wrong lane	$1401	$238
Failure to yield	$1408	$235
Following too closely	$1408	$239
Illegal turn	$1408	$235
Speeding 16 - 20 MPH over limit	$1408	$239
Failure to stop at a red light	$1415	$236
Improper passing	$1415	$240
Passing school bus	$1462	$244
Speeding 21 - 25 MPH over limit	$1469	$250
At-fault accident - less than $1000	$1482	$247
In 65 MPH zone	$1503	$255
At-fault accident - $1000-$2000	$1619	$270
Operating a vehicle without permission	$1653	$281
At-fault accident - greater than $2000	$1666	$278
Open container	$1701	$289
Reckless driving	$1885	$314
Driving with a suspended license	$1968	$335
Racing	$1994	$332
Refusal to submit to a chemical test	$2008	$342
DUI	$2049	$342
Leaving scene of an accident/hit and run	$2131	$362

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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 Forestdale 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 Forestdale.

The cheapest car insurance premiums in Forestdale are offered by Cincinnati at $314 for a six-month policy. However, it can be as expensive as $3067 with companies like Farmers.

Forestdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$314	$53
Travelers	$785	$132
Country Financial	$922	$155
Allstate	$1311	$221
Progressive	$1325	$223
USAA	$1421	$239
State Farm	$1489	$251
Auto-Owners	$1975	$332
Nationwide	$4003	$674
Farmers	$3067	$521

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 Forestdale are offered by Cincinnati at $158. However, it can be as expensive as $2944 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Forestdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$158	$26
Auto-Owners Insurance Co	$300	$51
State Farm	$704	$118
Country Financial	$711	$120
Travelers	$744	$125
USAA	$936	$159
Auto-Owners	$983	$164
Allstate	$1264	$215
Progressive	$1940	$323
Nationwide	$2999	$509
Farmers	$2944	$500

Car Insurance Price Trends in Forestdale, Alabama

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

The average cost of full coverage in the Forestdale dipped by $221 in January compared to $228 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 Forestdale dipped to $55 in January, compared to $57 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 Forestdale?

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

What is the cheapest car insurance in Forestdale?

The cheapest car insurance in Forestdale is $99 per month for full coverage.

How much is car insurance in Forestdale for teenagers?

Car insurance for teenagers costs $164 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 Forestdale?

The average cost of car insurance is $973 for a six-month policy. It will cost around $187 per month to insure your car in Forestdale.

Is car insurance expensive in Forestdale?

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

Cheapest Car Insurance Quotes in Forestdale

Why you can trust Way?

How Much Is Car Insurance in Forestdale

Avg. Car Insurance in Forestdale

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Forestdale

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Forestdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Forestdale, AL

Way's key takeaways about car insurance in Forestdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Forestdale

Cheapest Liability Coverage in Forestdale, AL

Cheapest Full Coverage Car Insurance in Forestdale

Cheapest Full Coverage Car Insurance Quotes in Forestdale, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Forestdale by Rating Factor

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

Car Insurance Premiums by Age in Forestdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Forestdale,AL

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

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 Forestdale

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

Forestdale Car Insurance Rates by Violation

Forestdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Forestdale after a DUI

Forestdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Forestdale after Speeding ticket

Car Insurance Price Trends in Forestdale, Alabama

Average Car Insurance Cost in Forestdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Forestdale, AL

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

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