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Finding the cheapest car insurance quotes in Jefferson 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 Jefferson
The car insurance rate in Jefferson is $983 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $530, making it a popular choice for budget-conscious drivers. Rates in Jefferson 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 $530 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 $692 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $749
for six months, making it
the third cheapest auto insurance company in Jefferson.
Jefferson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Jefferson, AL is AutoOwners Insurance Co, offering policies at just $530 for a six-month term. This is followed by State Farm, which has an average six-month premium of $692.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2102 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jefferson drivers find the best deals.
Way's key takeaways about car insurance in Jefferson
The auto insurance costs in Jefferson fall around $530 for six
months.
The cheapest auto insurance company in Jefferson is Cincinnati.
Teen drivers pay the highest rate in Jefferson at $1227 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 Jefferson
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 Jefferson are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Jefferson. Their Average 6 Month Premium is $138.
Farmers is the most
expensive at $798 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 Jefferson is AutoOwners Insurance Co
at $88 per month and $530
for six months.
Cheapest Full Coverage Car Insurance Quotes in Jefferson,
AL
Get Your Car Insurance Quote in Jefferson
Instantly!
Average Car Insurance in Jefferson 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 Jefferson, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Jefferson, 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, Jefferson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Jefferson
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
Jefferson,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Jefferson at $25
per
month. At $7291 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 Jefferson.
As young drivers face the highest rates in Jefferson, 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 Jefferson,
Cincinnati is
the cheapest car insurance provider. At $193 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
Jefferson is Farmers, offering
rates of around $3399 for six
months.
Save up to $971/yr on car insurance rates in Jefferson.
Car Insurance Rates with An Accident in Jefferson
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 Jefferson, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Jefferson
The cheapest car insurance companies after an at-fault accident in
Jefferson include Cincinnati
and AutoOwners Insurance Co, offering $212
and $331,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2913.
Here is a list of driving violations that can increase your car
insurance rates in Jefferson AL. For example, the car
insurance in Jefferson
after a DUI increases to $848 for a six
month policy. While the rate increases by $243 for a six-month policy in the case of
a speeding ticket.
Jefferson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1023
$170
One Med/PIP claim
$1023
$174
One comp claim
$1054
$175
Two Med/PIP claims
$1054
$180
Not-at-fault accident
$1061
$176
Two comp claims
$1110
$189
Driving without lights
$1216
$203
Failure to wear a seat belt
$1229
$209
Failure to show documents
$1235
$206
Child safety restraint
$1241
$211
Cell phone violation
$1260
$210
Driving with expired registration
$1260
$214
Driving too slowly
$1266
$211
Speeding 6 - 10 MPH over limit
$1266
$215
Speeding in school zone
$1266
$211
Texting while driving
$1266
$215
Speeding 11 - 15 MPH over limit
$1279
$213
Wrong way/wrong lane
$1279
$217
Failure to yield
$1285
$214
Following too closely
$1285
$218
Illegal turn
$1285
$214
Speeding 16 - 20 MPH over limit
$1285
$218
Failure to stop at a red light
$1292
$215
Improper passing
$1292
$219
Passing school bus
$1335
$223
Speeding 21 - 25 MPH over limit
$1341
$228
At-fault accident - less than $1000
$1353
$226
In 65 MPH zone
$1372
$233
At-fault accident - $1000-$2000
$1478
$247
Operating a vehicle without permission
$1509
$256
At-fault accident - greater than $2000
$1521
$254
Open container
$1553
$264
Reckless driving
$1721
$287
Driving with a suspended license
$1797
$306
Racing
$1821
$303
Refusal to submit to a chemical test
$1833
$312
DUI
$1871
$312
Leaving scene of an accident/hit and run
$1946
$331
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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 Jefferson 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 Jefferson.
The cheapest car insurance premiums in
Jefferson are
offered by Cincinnati at $287 for a six-month policy.
However, it can be as
expensive as $2800 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 Jefferson are offered by Cincinnati
at $144. However,
it can be as expensive as $2688
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Jefferson after Speeding ticket
Car insurance rates in Jefferson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Jefferson rose by
$208 in December
compared to $205 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 Jefferson rose to $53 in December,
compared to $51 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Jefferson 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
Jefferson. At $N/A for a
six-month policy, insuring
your car at N/A 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 Jefferson?
The car insurance in Jefferson is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Jefferson?
The cheapest car insurance in Jefferson
is $88 per month
for full coverage.
How much is car insurance in Jefferson for teenagers?
Car insurance for teenagers costs $150 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
Jefferson?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $165 per month to insure your
car in Jefferson.
Is car insurance expensive in Jefferson?
Car insurance can be expensive in Jefferson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Jefferson can be
affordable.
What is the best car insurance in Jefferson,
AL?
The best car insurance company in Jefferson
AL is
AutoOwners Insurance Co, offering $530 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Jefferson, AL
Car Insurance Rates by State in the USA (2025 Update)
Jefferson Car Insurance
