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Finding the cheapest car insurance quotes in Gainestown 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.
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 Gainestown
The car insurance rate in Gainestown is $945 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $510, making it a popular choice for budget-conscious drivers. Rates in Gainestown 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.
At $510 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 $666 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $720
for six months, making it
the third cheapest auto insurance company in Gainestown.
Gainestown Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Gainestown, AL is AutoOwners Insurance Co, offering policies at just $510 for a six-month term. This is followed by State Farm, which has an average six-month premium of $666.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gainestown drivers find the best deals.
Way's key takeaways about car insurance in Gainestown
The auto insurance costs in Gainestown fall around $510 for six
months.
The cheapest auto insurance company in Gainestown is Cincinnati.
Teen drivers pay the highest rate in Gainestown at $1181 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 Gainestown
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 Gainestown are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Gainestown. Their Average 6 Month Premium is $132.
Farmers is the most
expensive at $768 for the same
period.
Cheapest Full Coverage Car Insurance in Gainestown
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 Gainestown is AutoOwners Insurance Co
at $85 per month and $510
for six months.
Cheapest Full Coverage Car Insurance Quotes in Gainestown,
AL
Get Your Car Insurance Quote in Gainestown
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Average Car Insurance in Gainestown 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 Gainestown, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Gainestown, 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, Gainestown's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Gainestown
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Gainestown,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Gainestown at $24
per
month. At $7013 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Gainestown.
As young drivers face the highest rates in Gainestown, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Gainestown,
Cincinnati is
the cheapest car insurance provider. At $186 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
Gainestown is Farmers, offering
rates of around $3269 for six
months.
Save up to $971/yr on car insurance rates in Gainestown.
Car Insurance Rates with An Accident in Gainestown
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 Gainestown, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Gainestown
The cheapest car insurance companies after an at-fault accident in
Gainestown include Cincinnati
and AutoOwners Insurance Co, offering $204
and $318,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2802.
Here is a list of driving violations that can increase your car
insurance rates in Gainestown AL. For example, the car
insurance in Gainestown
after a DUI increases to $816 for a six
month policy. While the rate increases by $234 for a six-month policy in the case of
a speeding ticket.
Gainestown auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$984
$164
One Med/PIP claim
$984
$168
One comp claim
$1014
$169
Two Med/PIP claims
$1014
$173
Not-at-fault accident
$1020
$170
Two comp claims
$1068
$182
Driving without lights
$1170
$195
Failure to wear a seat belt
$1182
$201
Failure to show documents
$1188
$198
Child safety restraint
$1194
$203
Cell phone violation
$1212
$202
Driving with expired registration
$1212
$206
Driving too slowly
$1218
$203
Speeding 6 - 10 MPH over limit
$1218
$207
Speeding in school zone
$1218
$203
Texting while driving
$1218
$207
Speeding 11 - 15 MPH over limit
$1230
$205
Wrong way/wrong lane
$1230
$209
Failure to yield
$1236
$206
Following too closely
$1236
$210
Illegal turn
$1236
$206
Speeding 16 - 20 MPH over limit
$1236
$210
Failure to stop at a red light
$1242
$207
Improper passing
$1242
$211
Passing school bus
$1284
$214
Speeding 21 - 25 MPH over limit
$1290
$219
At-fault accident - less than $1000
$1302
$217
In 65 MPH zone
$1320
$224
At-fault accident - $1000-$2000
$1422
$237
Operating a vehicle without permission
$1451
$246
At-fault accident - greater than $2000
$1463
$244
Open container
$1494
$254
Reckless driving
$1655
$276
Driving with a suspended license
$1728
$294
Racing
$1751
$292
Refusal to submit to a chemical test
$1763
$300
DUI
$1800
$300
Leaving scene of an accident/hit and run
$1872
$318
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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 Gainestown 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 Gainestown.
The cheapest car insurance premiums in
Gainestown are
offered by Cincinnati at $276 for a six-month policy.
However, it can be as
expensive as $2694 with companies
like Farmers.
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 Gainestown are offered by Cincinnati
at $138. However,
it can be as expensive as $2586
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Gainestown after Speeding ticket
Car insurance rates in Gainestown have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gainestown rose by
$200 in December
compared to $197 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Gainestown rose to $51 in December,
compared to $49 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Gainestown by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Gainestown. At $1890 for a
six-month policy, insuring
your car at 36540 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Gainestown?
The car insurance in Gainestown is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Gainestown?
The cheapest car insurance in Gainestown
is $85 per month
for full coverage.
How much is car insurance in Gainestown for teenagers?
Car insurance for teenagers costs $144 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
Gainestown?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $159 per month to insure your
car in Gainestown.
Is car insurance expensive in Gainestown?
Car insurance can be expensive in Gainestown if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Gainestown can be
affordable.
What is the best car insurance in Gainestown,
AL?
The best car insurance company in Gainestown
AL is
AutoOwners Insurance Co, offering $510 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Gainestown, AL
Car Insurance Rates by State in the USA (2025 Update)
Gainestown Car Insurance
