Cheapest Car Insurance Quotes in Geneva

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Geneva Car Insurance

^$ 20

/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 Geneva

The car insurance rate in Geneva is $833 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Geneva 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 Geneva

$833

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Geneva

1st place: AutoOwners Insurance Co

At $449 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 $587 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $635 for six months, making it the third cheapest auto insurance company in Geneva.

Geneva Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Geneva, AL is AutoOwners Insurance Co, offering policies at just $449 for a six-month term. This is followed by State Farm, which has an average six-month premium of $587.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1782 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Geneva drivers find the best deals.

Cheap Car Insurance Companies in Geneva, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$75
State Farm	$587	$99
Travelers	$635	$107
Country Financial	$651	$109
Cincinnati	$671	$113
USAA	$692	$117
Auto-Owners	$740	$125
Nationwide	$935	$159
Allstate	$951	$160
Progressive	$1073	$181
Farmers	$1782	$297

Key Takeaways

Way's key takeaways about car insurance in Geneva

The auto insurance costs in Geneva fall around $449 for six months.
The cheapest auto insurance company in Geneva is Cincinnati.
Teen drivers pay the highest rate in Geneva at $1040 per month.

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

Cheapest Minimum Liability Car Insurance in Geneva

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 Geneva are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Geneva. Their Average 6 Month Premium is $117. Farmers is the most expensive at $676 for the same period.

Cheapest Liability Coverage in Geneva, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$117	$20
Mercury	$127	$21
Country Financial	$196	$33
Auto-Owners Insurance Co	$201	$34
USAA	$201	$34
State Farm	$206	$35
Travelers	$222	$37
Auto-Owners	$254	$43
Progressive	$360	$61
Nationwide	$381	$63
Allstate	$417	$70
Farmers	$676	$113

Cheapest Full Coverage Car Insurance in Geneva

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 Geneva is AutoOwners Insurance Co at $75 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Geneva, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$75
State Farm	$587	$99
Travelers	$635	$107
Country Financial	$651	$109
Cincinnati	$671	$113
USAA	$692	$117
Auto-Owners	$740	$125
Nationwide	$935	$159
Allstate	$951	$160
Progressive	$1073	$181
Farmers	$1782	$297

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Average Car Insurance in Geneva 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 Geneva, AL increasing?

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

Car Insurance Premiums by Age in Geneva

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 Geneva,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Geneva at $21 per month. At $6180 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$127	$21
Country Financial	$201	$34
Travelers	$1242	$209
USAA	$1507	$254
State Farm	$1570	$264
Auto-Owners	$2395	$408
Allstate	$3093	$521
Nationwide	$3764	$640
Progressive	$5419	$912
Farmers	$6180	$1040

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 Geneva, Cincinnati is the cheapest car insurance provider. At $164 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 Geneva is Farmers, offering rates of around $2881 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$164	$28
Country Financial	$280	$48
Nationwide	$381	$63
Travelers	$798	$134
USAA	$957	$159
Progressive	$1142	$192
Allstate	$1808	$302
State Farm	$2077	$353
Auto-Owners	$2294	$383
Farmers	$2881	$490

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Car Insurance Rates with An Accident in Geneva

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

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

The cheapest car insurance companies after an at-fault accident in Geneva include Cincinnati and AutoOwners Insurance Co, offering $180 and $280, respectively. Farmers is an expensive provider with an average six-month premium of $2469.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$180	$30
Auto-Owners Insurance Co	$280	$48
Country Financial	$280	$47
Safeway	$349	$59
Travelers	$507	$85
State Farm	$566	$95
USAA	$703	$118
Auto-Owners	$750	$126
Allstate	$1190	$200
Progressive	$1728	$291
Nationwide	$1771	$295
Farmers	$2469	$420

Geneva Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Geneva AL. For example, the car insurance in Geneva after a DUI increases to $719 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Geneva auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$867	$144
One Med/PIP claim	$867	$148
One comp claim	$894	$149
Two Med/PIP claims	$894	$152
Not-at-fault accident	$899	$150
Two comp claims	$941	$160
Driving without lights	$1031	$172
Failure to wear a seat belt	$1041	$177
Failure to show documents	$1047	$174
Child safety restraint	$1052	$179
Cell phone violation	$1068	$178
Driving with expired registration	$1068	$182
Driving too slowly	$1073	$179
Speeding 6 - 10 MPH over limit	$1073	$182
Speeding in school zone	$1073	$179
Texting while driving	$1073	$182
Speeding 11 - 15 MPH over limit	$1084	$181
Wrong way/wrong lane	$1084	$184
Failure to yield	$1089	$182
Following too closely	$1089	$185
Illegal turn	$1089	$182
Speeding 16 - 20 MPH over limit	$1089	$185
Failure to stop at a red light	$1095	$182
Improper passing	$1095	$186
Passing school bus	$1131	$189
Speeding 21 - 25 MPH over limit	$1137	$193
At-fault accident - less than $1000	$1147	$191
In 65 MPH zone	$1163	$198
At-fault accident - $1000-$2000	$1253	$209
Operating a vehicle without permission	$1279	$217
At-fault accident - greater than $2000	$1290	$215
Open container	$1316	$223
Reckless driving	$1459	$243
Driving with a suspended license	$1523	$259
Racing	$1543	$257
Refusal to submit to a chemical test	$1554	$264
DUI	$1586	$264
Leaving scene of an accident/hit and run	$1649	$280

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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 Geneva 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 Geneva.

The cheapest car insurance premiums in Geneva are offered by Cincinnati at $243 for a six-month policy. However, it can be as expensive as $2374 with companies like Farmers.

Geneva car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$243	$41
Country Financial	$328	$55
Travelers	$624	$105
State Farm	$935	$158
USAA	$1047	$176
Allstate	$1104	$186
Progressive	$1110	$187
Auto-Owners	$1406	$237
Nationwide	$2363	$394
Farmers	$2374	$403

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 Geneva are offered by Cincinnati at $122. However, it can be as expensive as $2278 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Geneva after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$122	$20
Country Financial	$174	$29
Auto-Owners Insurance Co	$232	$39
State Farm	$392	$66
Travelers	$603	$101
USAA	$640	$109
Auto-Owners	$777	$130
Allstate	$1169	$198
Progressive	$1618	$270
Farmers	$2278	$387

Car Insurance Price Trends in Geneva, Alabama

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

The average cost of full coverage in the Geneva rose by $176 in December compared to $174 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Geneva rose to $45 in December, compared to $44 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Geneva?

The car insurance in Geneva is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Geneva?

The cheapest car insurance in Geneva is $75 per month for full coverage.

How much is car insurance in Geneva for teenagers?

Car insurance for teenagers costs $127 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 Geneva?

The average cost of car insurance is $936 for a six-month policy. It will cost around $140 per month to insure your car in Geneva.

Is car insurance expensive in Geneva?

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

Cheapest Car Insurance Quotes in Geneva

Why you can trust Way?

How Much Is Car Insurance in Geneva

Avg. Car Insurance in Geneva

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Geneva

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Geneva Car Insurance Rates by Company

Cheap Car Insurance Companies in Geneva, AL

Way's key takeaways about car insurance in Geneva

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Geneva

Cheapest Liability Coverage in Geneva, AL

Cheapest Full Coverage Car Insurance in Geneva

Cheapest Full Coverage Car Insurance Quotes in Geneva, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Geneva by Rating Factor

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

Car Insurance Premiums by Age in Geneva

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Geneva,AL

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

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 Geneva

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

Geneva Car Insurance Rates by Violation

Geneva auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Geneva after a DUI

Geneva car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Geneva after Speeding ticket

Car Insurance Price Trends in Geneva, Alabama

Average Car Insurance Cost in Geneva by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Geneva, AL

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

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