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 $1099 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $571, 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

$1099

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Grayson Valley

1st place: AutoOwners Insurance Co

At $571 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 $792 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $852 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 $571 for a six-month term. This is followed by Travelers, which has an average six-month premium of $792.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2262 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	$571	$97
Travelers	$792	$133
Cincinnati	$852	$144
Country Financial	$859	$145
State Farm	$859	$145
USAA	$913	$154
Auto-Owners	$927	$156
Allstate	$1155	$194
Progressive	$1302	$219
Nationwide	$1605	$270
Farmers	$2262	$377

Key Takeaways

Way's key takeaways about car insurance in Grayson Valley

The auto insurance costs in Grayson Valley fall around $571 for six months.
The cheapest auto insurance company in Grayson Valley is Cincinnati.
Teen drivers pay the highest rate in Grayson Valley at $1229 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 $148. Farmers is the most expensive at $859 for the same period.

Cheapest Liability Coverage in Grayson Valley, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$148	$25
Mercury	$162	$27
Auto-Owners Insurance Co	$255	$43
Travelers	$269	$45
USAA	$269	$45
State Farm	$288	$49
Auto-Owners	$308	$52
Country Financial	$322	$54
Progressive	$416	$70
Allstate	$477	$80
Nationwide	$598	$101
Farmers	$859	$144

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 $97 per month and $571 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	$571	$97
Travelers	$792	$133
Cincinnati	$852	$144
Country Financial	$859	$145
State Farm	$859	$145
USAA	$913	$154
Auto-Owners	$927	$156
Allstate	$1155	$194
Progressive	$1302	$219
Nationwide	$1605	$270
Farmers	$2262	$377

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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 $7229 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Country Financial	$1074	$181
Travelers	$1584	$267
USAA	$2014	$339
State Farm	$2356	$397
Auto-Owners	$2712	$461
Allstate	$3530	$594
Progressive	$6148	$1035
Nationwide	$6283	$1058
Farmers	$7229	$1229

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 $208 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 $3658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$208	$35
Country Financial	$840	$141
Travelers	$953	$160
Progressive	$1302	$219
USAA	$1376	$229
Nationwide	$1745	$294
Allstate	$1954	$325
Auto-Owners	$2819	$479
State Farm	$4007	$668
Farmers	$3658	$621

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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 $228 and $356, respectively. Farmers is an expensive provider with an average six-month premium of $3135.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$228	$38
Auto-Owners Insurance Co	$356	$61
Safeway	$443	$75
Travelers	$631	$106
Country Financial	$664	$112
State Farm	$826	$139
USAA	$940	$158
Auto-Owners	$1020	$172
Allstate	$1383	$233
Progressive	$2141	$360
Nationwide	$2920	$492
Farmers	$3135	$533

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 $913 for a six month policy. While the rate increases by $262 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	$1101	$183
One Med/PIP claim	$1101	$188
One comp claim	$1135	$189
Two Med/PIP claims	$1135	$193
Not-at-fault accident	$1141	$190
Two comp claims	$1194	$203
Driving without lights	$1309	$218
Failure to wear a seat belt	$1322	$225
Failure to show documents	$1329	$221
Child safety restraint	$1336	$227
Cell phone violation	$1356	$226
Driving with expired registration	$1356	$231
Driving too slowly	$1363	$227
Speeding 6 - 10 MPH over limit	$1363	$232
Speeding in school zone	$1363	$227
Texting while driving	$1363	$232
Speeding 11 - 15 MPH over limit	$1376	$229
Wrong way/wrong lane	$1376	$234
Failure to yield	$1383	$231
Following too closely	$1383	$235
Illegal turn	$1383	$231
Speeding 16 - 20 MPH over limit	$1383	$235
Failure to stop at a red light	$1390	$232
Improper passing	$1390	$236
Passing school bus	$1436	$240
Speeding 21 - 25 MPH over limit	$1443	$245
At-fault accident - less than $1000	$1457	$243
In 65 MPH zone	$1477	$251
At-fault accident - $1000-$2000	$1591	$266
Operating a vehicle without permission	$1624	$276
At-fault accident - greater than $2000	$1637	$273
Open container	$1671	$284
Reckless driving	$1852	$308
Driving with a suspended license	$1933	$329
Racing	$1959	$327
Refusal to submit to a chemical test	$1973	$336
DUI	$2014	$336
Leaving scene of an accident/hit and run	$2094	$356

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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 $308 for a six-month policy. However, it can be as expensive as $3014 with companies like Farmers.

Grayson Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$308	$52
Travelers	$772	$130
Country Financial	$906	$153
Allstate	$1288	$217
Progressive	$1302	$219
USAA	$1397	$235
State Farm	$1463	$246
Auto-Owners	$1940	$327
Nationwide	$3934	$662
Farmers	$3014	$512

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 $155. However, it can be as expensive as $2893 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	$155	$26
Auto-Owners Insurance Co	$295	$50
State Farm	$692	$116
Country Financial	$698	$118
Travelers	$731	$123
USAA	$920	$156
Auto-Owners	$966	$162
Allstate	$1242	$211
Progressive	$1906	$318
Nationwide	$2947	$501
Farmers	$2893	$492

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 dipped by $217 in January compared to $224 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 Grayson Valley dipped to $54 in January, compared to $56 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 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 $97 per month for full coverage.

How much is car insurance in Grayson Valley for teenagers?

Car insurance for teenagers costs $162 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 $973 for a six-month policy. It will cost around $184 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: Travelers

3rd place: Cincinnati

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