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Finding the cheapest car insurance quotes in Groveoak 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 Groveoak
The car insurance rate in Groveoak is $870 for a six-month policy, which is $66 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, making it a popular choice for budget-conscious drivers. Rates in Groveoak 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 $470 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 $613 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $663
for six months, making it
the third cheapest auto insurance company in Groveoak.
Groveoak Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Groveoak, AL is AutoOwners Insurance Co, offering policies at just $470 for a six-month term. This is followed by State Farm, which has an average six-month premium of $613.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1862 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Groveoak drivers find the best deals.
Way's key takeaways about car insurance in Groveoak
The auto insurance costs in Groveoak fall around $470 for six
months.
The cheapest auto insurance company in Groveoak is Cincinnati.
Teen drivers pay the highest rate in Groveoak at $1087 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 Groveoak
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 Groveoak are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Groveoak. Their Average 6 Month Premium is $122.
Farmers is the most
expensive at $707 for the same
period.
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 Groveoak is AutoOwners Insurance Co
at $78 per month and $470
for six months.
Cheapest Full Coverage Car Insurance Quotes in Groveoak,
AL
Get Your Car Insurance Quote in Groveoak
Instantly!
Average Car Insurance in Groveoak 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 Groveoak, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Groveoak, 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, Groveoak's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Groveoak
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
Groveoak,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Groveoak at $22
per
month. At $6458 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 Groveoak.
As young drivers face the highest rates in Groveoak, 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 Groveoak,
Cincinnati is
the cheapest car insurance provider. At $171 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
Groveoak is Farmers, offering
rates of around $3010 for six
months.
Save up to $971/yr on car insurance rates in Groveoak.
Car Insurance Rates with An Accident in Groveoak
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 Groveoak, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Groveoak
The cheapest car insurance companies after an at-fault accident in
Groveoak include Cincinnati
and AutoOwners Insurance Co, offering $188
and $293,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2580.
Here is a list of driving violations that can increase your car
insurance rates in Groveoak AL. For example, the car
insurance in Groveoak
after a DUI increases to $751 for a six
month policy. While the rate increases by $216 for a six-month policy in the case of
a speeding ticket.
Groveoak auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$906
$151
One Med/PIP claim
$906
$154
One comp claim
$934
$155
Two Med/PIP claims
$934
$159
Not-at-fault accident
$939
$156
Two comp claims
$983
$167
Driving without lights
$1077
$179
Failure to wear a seat belt
$1088
$185
Failure to show documents
$1094
$182
Child safety restraint
$1099
$187
Cell phone violation
$1116
$186
Driving with expired registration
$1116
$190
Driving too slowly
$1122
$187
Speeding 6 - 10 MPH over limit
$1122
$191
Speeding in school zone
$1122
$187
Texting while driving
$1122
$191
Speeding 11 - 15 MPH over limit
$1133
$189
Wrong way/wrong lane
$1133
$193
Failure to yield
$1138
$190
Following too closely
$1138
$193
Illegal turn
$1138
$190
Speeding 16 - 20 MPH over limit
$1138
$193
Failure to stop at a red light
$1144
$191
Improper passing
$1144
$194
Passing school bus
$1182
$197
Speeding 21 - 25 MPH over limit
$1188
$202
At-fault accident - less than $1000
$1199
$200
In 65 MPH zone
$1216
$206
At-fault accident - $1000-$2000
$1309
$219
Operating a vehicle without permission
$1336
$227
At-fault accident - greater than $2000
$1348
$225
Open container
$1375
$233
Reckless driving
$1524
$254
Driving with a suspended license
$1591
$271
Racing
$1613
$269
Refusal to submit to a chemical test
$1624
$276
DUI
$1657
$276
Leaving scene of an accident/hit and run
$1723
$293
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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 Groveoak 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 Groveoak.
The cheapest car insurance premiums in
Groveoak are
offered by Cincinnati at $254 for a six-month policy.
However, it can be as
expensive as $2480 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 Groveoak are offered by Cincinnati
at $127. However,
it can be as expensive as $2381
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Groveoak after Speeding ticket
Car insurance rates in Groveoak have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Groveoak rose by
$184 in December
compared to $181 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 Groveoak rose to $47 in December,
compared to $46 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Groveoak 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
Groveoak. At $1740 for a
six-month policy, insuring
your car at 35975 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 Groveoak?
The car insurance in Groveoak is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Groveoak?
The cheapest car insurance in Groveoak
is $78 per month
for full coverage.
How much is car insurance in Groveoak for teenagers?
Car insurance for teenagers costs $133 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
Groveoak?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $146 per month to insure your
car in Groveoak.
Is car insurance expensive in Groveoak?
Car insurance can be expensive in Groveoak if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Groveoak can be
affordable.
What is the best car insurance in Groveoak,
AL?
The best car insurance company in Groveoak
AL is
AutoOwners Insurance Co, offering $470 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Groveoak, AL
Car Insurance Rates by State in the USA (2025 Update)
Groveoak Car Insurance
