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Gilbertown Car Insurance
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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.
The car insurance rate in the Gilbertown is $905, which is $18 higher than the state average. Cincinnati offers the cheapest insurance rates in the city at $400 for a six-month policy.
$905
$887
$1146
At $400 for a six month policy, Cincinnati offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $515 for a six-month policy, making it one of the cheapest to insure with.
Country Financial offers auto insurance rates at $630 for six months, making it the third cheapest auto insurance company in Gilbertown.
Based on our research, the cheapest car insurance companies in Gilbertown AL include Cincinnati, offering $400 for a six-month policy. This is followed by AutoOwners Insurance Co, with an average six-month premium of $515. Farmers is the most expensive, at $2042.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $400 | $66 |
| Auto-Owners Insurance Co | $515 | $88 |
| Country Financial | $630 | $106 |
| Travelers | $678 | $114 |
| State Farm | $684 | $115 |
| USAA | $806 | $136 |
| Auto-Owners | $830 | $140 |
| Allstate | $1072 | $181 |
| Nationwide | $1072 | $179 |
| Progressive | $1224 | $206 |
| Farmers | $2042 | $341 |
Save up to $971/yr with our auto insurance quotes
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 Gilbertown are given below.
Cincinnati provides the cheapest minimum car insurance coverage in Gilbertown. Their Average 6 Month Premium is $134. Farmers is the most expensive at $775 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $134 | $22 |
| Mercury | $146 | $24 |
| USAA | $212 | $36 |
| Country Financial | $224 | $38 |
| Auto-Owners Insurance Co | $231 | $39 |
| State Farm | $237 | $40 |
| Travelers | $237 | $40 |
| Auto-Owners | $272 | $46 |
| Progressive | $363 | $61 |
| Nationwide | $437 | $72 |
| Allstate | $606 | $102 |
| Farmers | $775 | $130 |
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 Gilbertown is Cincinnati at $66 per month and $400 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $400 | $66 |
| Auto-Owners Insurance Co | $515 | $88 |
| Country Financial | $630 | $106 |
| Travelers | $678 | $114 |
| State Farm | $684 | $115 |
| USAA | $806 | $136 |
| Auto-Owners | $830 | $140 |
| Allstate | $1072 | $181 |
| Nationwide | $1072 | $179 |
| Progressive | $1224 | $206 |
| Farmers | $2042 | $341 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Gilbertown, 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, Gilbertown's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Gilbertown at $24 per month. At $7083 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $146 | $24 |
| Country Financial | $231 | $39 |
| Travelers | $1424 | $240 |
| USAA | $1727 | $291 |
| State Farm | $1799 | $303 |
| Auto-Owners | $2745 | $467 |
| Allstate | $3545 | $597 |
| Nationwide | $4314 | $733 |
| Progressive | $6211 | $1046 |
| Farmers | $7083 | $1192 |
Teen Car Insurance Rates in AL by Age
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.
For those with poor credit scores in Gilbertown, Cincinnati is the cheapest car insurance provider. At $188 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 Gilbertown is Farmers, offering rates of around $3302 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $188 | $32 |
| Country Financial | $321 | $55 |
| Nationwide | $437 | $72 |
| Travelers | $915 | $154 |
| USAA | $1097 | $183 |
| Progressive | $1309 | $220 |
| Allstate | $2072 | $346 |
| State Farm | $2381 | $405 |
| Auto-Owners | $2630 | $439 |
| Farmers | $3302 | $561 |
Save up to $971/yr on car insurance rates in Gilbertown.
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 Gilbertown, AL, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Gilbertown include Cincinnati and Country Financial, offering $206 and $315, respectively. Farmers is an expensive provider with an average six-month premium of $2829.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $206 | $35 |
| Country Financial | $315 | $53 |
| Auto-Owners Insurance Co | $321 | $53 |
| Safeway | $430 | $73 |
| Travelers | $581 | $98 |
| State Farm | $643 | $108 |
| USAA | $684 | $115 |
| Auto-Owners | $1066 | $180 |
| Allstate | $1364 | $230 |
| Progressive | $1981 | $334 |
| Nationwide | $2030 | $339 |
| Farmers | $2829 | $481 |
Here is a list of driving violations that can increase your car insurance rates in Gilbertown AL. For example, the car insurance in Gilbertown after a DUI increases to $825 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $993 | $165 |
| One Med/PIP claim | $993 | $169 |
| One comp claim | $1024 | $170 |
| Two Med/PIP claims | $1024 | $174 |
| Not-at-fault accident | $1030 | $171 |
| Two comp claims | $1078 | $184 |
| Driving without lights | $1181 | $197 |
| Failure to wear a seat belt | $1193 | $203 |
| Failure to show documents | $1200 | $200 |
| Child safety restraint | $1206 | $205 |
| Cell phone violation | $1224 | $204 |
| Driving with expired registration | $1224 | $208 |
| Driving too slowly | $1230 | $205 |
| Speeding 6 - 10 MPH over limit | $1230 | $209 |
| Speeding in school zone | $1230 | $205 |
| Texting while driving | $1230 | $209 |
| Speeding 11 - 15 MPH over limit | $1242 | $207 |
| Wrong way/wrong lane | $1242 | $211 |
| Failure to yield | $1248 | $208 |
| Following too closely | $1248 | $212 |
| Illegal turn | $1248 | $208 |
| Speeding 16 - 20 MPH over limit | $1248 | $212 |
| Failure to stop at a red light | $1255 | $209 |
| Improper passing | $1255 | $213 |
| Passing school bus | $1296 | $216 |
| Speeding 21 - 25 MPH over limit | $1303 | $221 |
| At-fault accident - less than $1000 | $1315 | $219 |
| In 65 MPH zone | $1333 | $226 |
| At-fault accident - $1000-$2000 | $1436 | $240 |
| Operating a vehicle without permission | $1466 | $249 |
| At-fault accident - greater than $2000 | $1478 | $247 |
| Open container | $1509 | $256 |
| Reckless driving | $1672 | $278 |
| Driving with a suspended license | $1745 | $297 |
| Racing | $1769 | $295 |
| Refusal to submit to a chemical test | $1781 | $303 |
| DUI | $1818 | $303 |
| Leaving scene of an accident/hit and run | $1890 | $321 |
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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.
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 Gilbertown.
The cheapest car insurance premiums in Gilbertown are offered by Cincinnati at $278 for a six-month policy. However, it can be as expensive as $2720 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $278 | $47 |
| Country Financial | $369 | $62 |
| Travelers | $715 | $120 |
| Progressive | $1066 | $180 |
| State Farm | $1072 | $181 |
| USAA | $1200 | $202 |
| Auto-Owners | $1612 | $271 |
| Allstate | $1684 | $284 |
| Nationwide | $2708 | $452 |
| Farmers | $2720 | $462 |
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 Gilbertown are offered by Cincinnati at $140. However, it can be as expensive as $2611 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $140 | $23 |
| Country Financial | $200 | $34 |
| Auto-Owners Insurance Co | $266 | $45 |
| State Farm | $449 | $75 |
| Travelers | $691 | $116 |
| USAA | $733 | $124 |
| Auto-Owners | $890 | $149 |
| Allstate | $1339 | $227 |
| Progressive | $1854 | $309 |
| Farmers | $2611 | $444 |
Car insurance rates in Gilbertown have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gilbertown dipped by $199 in August compared to $200 of July. In other words, there has been an decrease by $1 when you compare August and July.
The average cost of liability insurance in the Gilbertown remained steady at $50 in both August and July, indicating no change over the two month period.
How much is car insurance in Gilbertown?
The car insurance in Gilbertown is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Gilbertown?
The cheapest car insurance in Gilbertown is $66 per month for full coverage.
How much is car insurance in Gilbertown for teenagers?
Car insurance for teenagers costs $146 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 Gilbertown?
The average cost of car insurance is $887 for a six-month policy. It will cost around $151 per month to insure your car in Gilbertown.
Is car insurance expensive in Gilbertown?
Car insurance can be expensive in Gilbertown if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Gilbertown can be affordable.
What is the best car insurance in Gilbertown, AL?
The best car insurance company in Gilbertown AL is Cincinnati, offering $400 for a six-month policy.
Cut auto insurance costs in Gilbertown right now.