Cheapest Car Insurance Quotes in Grayson Valley

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Grayson Valley 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 Grayson Valley

The car insurance rate in Grayson Valley is $1048 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $566, making it a popular choice for budget-conscious drivers. Rates in Grayson Valley 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 Grayson Valley

$1048

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Grayson Valley

1st place: AutoOwners Insurance Co

At $566 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 $738 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $799 for six months, making it the third cheapest auto insurance company in Grayson Valley.

Grayson Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grayson Valley, AL is AutoOwners Insurance Co, offering policies at just $566 for a six-month term. This is followed by State Farm, which has an average six-month premium of $738.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2242 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grayson Valley drivers find the best deals.

Cheap Car Insurance Companies in Grayson Valley, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$566	$94
State Farm	$738	$124
Travelers	$799	$134
Country Financial	$819	$138
Cincinnati	$844	$142
USAA	$871	$147
Auto-Owners	$932	$157
Nationwide	$1177	$200
Allstate	$1197	$202
Progressive	$1351	$227
Farmers	$2242	$374

Key Takeaways

Way's key takeaways about car insurance in Grayson Valley

The auto insurance costs in Grayson Valley fall around $566 for six months.
The cheapest auto insurance company in Grayson Valley is Cincinnati.
Teen drivers pay the highest rate in Grayson Valley at $1309 per month.

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

Cheapest Minimum Liability Car Insurance in Grayson Valley

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 Grayson Valley are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Grayson Valley. Their Average 6 Month Premium is $147. Farmers is the most expensive at $851 for the same period.

Cheapest Liability Coverage in Grayson Valley, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$147	$25
Mercury	$160	$27
Country Financial	$246	$41
Auto-Owners Insurance Co	$253	$43
USAA	$253	$43
State Farm	$260	$44
Travelers	$279	$47
Auto-Owners	$319	$54
Progressive	$452	$76
Nationwide	$479	$80
Allstate	$525	$88
Farmers	$851	$142

Cheapest Full Coverage Car Insurance in Grayson Valley

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 Grayson Valley is AutoOwners Insurance Co at $94 per month and $566 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grayson Valley, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$566	$94
State Farm	$738	$124
Travelers	$799	$134
Country Financial	$819	$138
Cincinnati	$844	$142
USAA	$871	$147
Auto-Owners	$932	$157
Nationwide	$1177	$200
Allstate	$1197	$202
Progressive	$1351	$227
Farmers	$2242	$374

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Average Car Insurance in Grayson Valley 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 Grayson Valley, AL increasing?

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

Car Insurance Premiums by Age in Grayson Valley

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 Grayson Valley,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Grayson Valley at $27 per month. At $7777 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$160	$27
Country Financial	$253	$43
Travelers	$1564	$263
USAA	$1896	$319
State Farm	$1976	$333
Auto-Owners	$3014	$513
Allstate	$3892	$655
Nationwide	$4736	$805
Progressive	$6820	$1148
Farmers	$7777	$1309

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 Grayson Valley, Cincinnati is the cheapest car insurance provider. At $206 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 Grayson Valley is Farmers, offering rates of around $3625 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$206	$35
Country Financial	$353	$60
Nationwide	$479	$80
Travelers	$1005	$169
USAA	$1204	$200
Progressive	$1437	$242
Allstate	$2275	$380
State Farm	$2614	$445
Auto-Owners	$2887	$482
Farmers	$3625	$616

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Car Insurance Rates with An Accident in Grayson Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Grayson Valley

The cheapest car insurance companies after an at-fault accident in Grayson Valley include Cincinnati and AutoOwners Insurance Co, offering $226 and $353, respectively. Farmers is an expensive provider with an average six-month premium of $3107.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$226	$38
Auto-Owners Insurance Co	$353	$60
Country Financial	$353	$59
Safeway	$439	$74
Travelers	$638	$108
State Farm	$712	$120
USAA	$885	$149
Auto-Owners	$944	$159
Allstate	$1497	$252
Progressive	$2175	$366
Nationwide	$2229	$372
Farmers	$3107	$529

Grayson Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grayson Valley AL. For example, the car insurance in Grayson Valley after a DUI increases to $905 for a six month policy. While the rate increases by $260 for a six-month policy in the case of a speeding ticket.

Grayson Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1091	$181
One Med/PIP claim	$1091	$186
One comp claim	$1124	$187
Two Med/PIP claims	$1124	$192
Not-at-fault accident	$1131	$188
Two comp claims	$1184	$202
Driving without lights	$1297	$216
Failure to wear a seat belt	$1310	$223
Failure to show documents	$1317	$220
Child safety restraint	$1324	$225
Cell phone violation	$1344	$224
Driving with expired registration	$1344	$228
Driving too slowly	$1351	$225
Speeding 6 - 10 MPH over limit	$1351	$230
Speeding in school zone	$1351	$225
Texting while driving	$1351	$230
Speeding 11 - 15 MPH over limit	$1364	$227
Wrong way/wrong lane	$1364	$232
Failure to yield	$1371	$228
Following too closely	$1371	$233
Illegal turn	$1371	$228
Speeding 16 - 20 MPH over limit	$1371	$233
Failure to stop at a red light	$1378	$230
Improper passing	$1378	$234
Passing school bus	$1424	$237
Speeding 21 - 25 MPH over limit	$1430	$243
At-fault accident - less than $1000	$1444	$241
In 65 MPH zone	$1464	$249
At-fault accident - $1000-$2000	$1577	$263
Operating a vehicle without permission	$1609	$273
At-fault accident - greater than $2000	$1623	$271
Open container	$1656	$281
Reckless driving	$1836	$306
Driving with a suspended license	$1916	$326
Racing	$1942	$324
Refusal to submit to a chemical test	$1956	$333
DUI	$1996	$333
Leaving scene of an accident/hit and run	$2075	$353

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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 Grayson Valley 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 Grayson Valley.

The cheapest car insurance premiums in Grayson Valley are offered by Cincinnati at $306 for a six-month policy. However, it can be as expensive as $2987 with companies like Farmers.

Grayson Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$306	$52
Country Financial	$412	$69
Travelers	$785	$132
State Farm	$1177	$198
USAA	$1317	$222
Allstate	$1390	$234
Progressive	$1397	$235
Auto-Owners	$1770	$298
Nationwide	$2974	$496
Farmers	$2987	$507

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 Grayson Valley are offered by Cincinnati at $153. However, it can be as expensive as $2867 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grayson Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$153	$26
Country Financial	$220	$37
Auto-Owners Insurance Co	$292	$49
State Farm	$493	$83
Travelers	$758	$128
USAA	$805	$137
Auto-Owners	$978	$164
Allstate	$1471	$250
Progressive	$2036	$339
Farmers	$2867	$487

Car Insurance Price Trends in Grayson Valley, Alabama

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

The average cost of full coverage in the Grayson Valley rose by $222 in December compared to $218 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Grayson Valley rose to $56 in December, compared to $55 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 Grayson Valley?

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

What is the cheapest car insurance in Grayson Valley?

The cheapest car insurance in Grayson Valley is $94 per month for full coverage.

How much is car insurance in Grayson Valley for teenagers?

Car insurance for teenagers costs $160 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 Grayson Valley?

The average cost of car insurance is $936 for a six-month policy. It will cost around $176 per month to insure your car in Grayson Valley.

Is car insurance expensive in Grayson Valley?

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

Cheapest Car Insurance Quotes in Grayson Valley

Why you can trust Way?

How Much Is Car Insurance in Grayson Valley

Avg. Car Insurance in Grayson Valley

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Grayson Valley

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Grayson Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Grayson Valley, AL

Way's key takeaways about car insurance in Grayson Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grayson Valley

Cheapest Liability Coverage in Grayson Valley, AL

Cheapest Full Coverage Car Insurance in Grayson Valley

Cheapest Full Coverage Car Insurance Quotes in Grayson Valley, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grayson Valley by Rating Factor

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

Car Insurance Premiums by Age in Grayson Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grayson Valley,AL

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

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 Grayson Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Grayson Valley

Grayson Valley Car Insurance Rates by Violation

Grayson Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grayson Valley after a DUI

Grayson Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grayson Valley after Speeding ticket

Car Insurance Price Trends in Grayson Valley, Alabama

Average Car Insurance Cost in Grayson Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grayson Valley, AL

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

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Data Sources