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Finding the cheapest car insurance quotes in Hardaway 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 Hardaway
The car insurance rate in Hardaway is $992 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Hardaway 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 $535 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 $699 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $756
for six months, making it
the third cheapest auto insurance company in Hardaway.
Hardaway Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hardaway, AL is AutoOwners Insurance Co, offering policies at just $535 for a six-month term. This is followed by State Farm, which has an average six-month premium of $699.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hardaway drivers find the best deals.
Way's key takeaways about car insurance in Hardaway
The auto insurance costs in Hardaway fall around $535 for six
months.
The cheapest auto insurance company in Hardaway is Cincinnati.
Teen drivers pay the highest rate in Hardaway at $1239 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 Hardaway
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 Hardaway are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Hardaway. Their Average 6 Month Premium is $139.
Farmers is the most
expensive at $806 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 Hardaway is AutoOwners Insurance Co
at $89 per month and $535
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hardaway,
AL
Get Your Car Insurance Quote in Hardaway
Instantly!
Average Car Insurance in Hardaway 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 Hardaway, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hardaway, 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, Hardaway's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hardaway
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
Hardaway,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Hardaway at $25
per
month. At $7361 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 Hardaway.
As young drivers face the highest rates in Hardaway, 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 Hardaway,
Cincinnati is
the cheapest car insurance provider. At $195 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
Hardaway is Farmers, offering
rates of around $3431 for six
months.
Save up to $971/yr on car insurance rates in Hardaway.
Car Insurance Rates with An Accident in Hardaway
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 Hardaway, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hardaway
The cheapest car insurance companies after an at-fault accident in
Hardaway include Cincinnati
and AutoOwners Insurance Co, offering $214
and $334,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2940.
Here is a list of driving violations that can increase your car
insurance rates in Hardaway AL. For example, the car
insurance in Hardaway
after a DUI increases to $857 for a six
month policy. While the rate increases by $246 for a six-month policy in the case of
a speeding ticket.
Hardaway auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1032
$172
One Med/PIP claim
$1032
$176
One comp claim
$1064
$177
Two Med/PIP claims
$1064
$181
Not-at-fault accident
$1071
$178
Two comp claims
$1120
$191
Driving without lights
$1227
$205
Failure to wear a seat belt
$1240
$211
Failure to show documents
$1247
$208
Child safety restraint
$1253
$213
Cell phone violation
$1272
$212
Driving with expired registration
$1272
$216
Driving too slowly
$1278
$213
Speeding 6 - 10 MPH over limit
$1278
$217
Speeding in school zone
$1278
$213
Texting while driving
$1278
$217
Speeding 11 - 15 MPH over limit
$1291
$215
Wrong way/wrong lane
$1291
$219
Failure to yield
$1297
$216
Following too closely
$1297
$220
Illegal turn
$1297
$216
Speeding 16 - 20 MPH over limit
$1297
$220
Failure to stop at a red light
$1304
$217
Improper passing
$1304
$222
Passing school bus
$1347
$225
Speeding 21 - 25 MPH over limit
$1354
$230
At-fault accident - less than $1000
$1366
$228
In 65 MPH zone
$1385
$235
At-fault accident - $1000-$2000
$1492
$249
Operating a vehicle without permission
$1523
$259
At-fault accident - greater than $2000
$1536
$257
Open container
$1568
$266
Reckless driving
$1737
$289
Driving with a suspended license
$1814
$308
Racing
$1838
$306
Refusal to submit to a chemical test
$1851
$315
DUI
$1889
$315
Leaving scene of an accident/hit and run
$1964
$334
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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 Hardaway 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 Hardaway.
The cheapest car insurance premiums in
Hardaway are
offered by Cincinnati at $289 for a six-month policy.
However, it can be as
expensive as $2827 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 Hardaway are offered by Cincinnati
at $145. However,
it can be as expensive as $2714
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Hardaway after Speeding ticket
Car insurance rates in Hardaway have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hardaway rose by
$210 in December
compared to $207 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 Hardaway rose to $53 in December,
compared to $52 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Hardaway 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
Hardaway. At $1984 for a
six-month policy, insuring
your car at 36039 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 Hardaway?
The car insurance in Hardaway is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Hardaway?
The cheapest car insurance in Hardaway
is $89 per month
for full coverage.
How much is car insurance in Hardaway for teenagers?
Car insurance for teenagers costs $152 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
Hardaway?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $166 per month to insure your
car in Hardaway.
Is car insurance expensive in Hardaway?
Car insurance can be expensive in Hardaway if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hardaway can be
affordable.
What is the best car insurance in Hardaway,
AL?
The best car insurance company in Hardaway
AL is
AutoOwners Insurance Co, offering $535 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hardaway, AL
Car Insurance Rates by State in the USA (2025 Update)
Hardaway Car Insurance
