Cheapest Car Insurance Quotes in Level Plains

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Level Plains Car Insurance

^$ 20

/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 Level Plains

The car insurance rate in Level Plains is $842 for a six-month policy, which is $94 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Level Plains 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 Level Plains

$842

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Level Plains

1st place: AutoOwners Insurance Co

At $455 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 $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $642 for six months, making it the third cheapest auto insurance company in Level Plains.

Level Plains Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Level Plains, AL is AutoOwners Insurance Co, offering policies at just $455 for a six-month term. This is followed by State Farm, which has an average six-month premium of $593.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1802 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Level Plains drivers find the best deals.

Cheap Car Insurance Companies in Level Plains, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$455	$76
State Farm	$593	$100
Travelers	$642	$108
Country Financial	$658	$111
Cincinnati	$679	$114
USAA	$700	$118
Auto-Owners	$749	$126
Nationwide	$946	$161
Allstate	$962	$162
Progressive	$1085	$183
Farmers	$1802	$301

Key Takeaways

Way's key takeaways about car insurance in Level Plains

The auto insurance costs in Level Plains fall around $455 for six months.
The cheapest auto insurance company in Level Plains is Cincinnati.
Teen drivers pay the highest rate in Level Plains at $1052 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 Level Plains

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 Level Plains are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Level Plains. Their Average 6 Month Premium is $118. Farmers is the most expensive at $684 for the same period.

Cheapest Liability Coverage in Level Plains, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$118	$20
Mercury	$129	$22
Country Financial	$198	$33
Auto-Owners Insurance Co	$203	$34
USAA	$203	$34
State Farm	$209	$35
Travelers	$224	$38
Auto-Owners	$257	$43
Progressive	$364	$61
Nationwide	$385	$64
Allstate	$422	$71
Farmers	$684	$114

Cheapest Full Coverage Car Insurance in Level Plains

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 Level Plains is AutoOwners Insurance Co at $76 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Level Plains, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$455	$76
State Farm	$593	$100
Travelers	$642	$108
Country Financial	$658	$111
Cincinnati	$679	$114
USAA	$700	$118
Auto-Owners	$749	$126
Nationwide	$946	$161
Allstate	$962	$162
Progressive	$1085	$183
Farmers	$1802	$301

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Average Car Insurance in Level Plains 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 Level Plains, AL increasing?

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

Car Insurance Premiums by Age in Level Plains

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 Level Plains,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Level Plains at $22 per month. At $6250 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$129	$22
Country Financial	$203	$34
Travelers	$1256	$212
USAA	$1524	$257
State Farm	$1588	$267
Auto-Owners	$2422	$412
Allstate	$3128	$527
Nationwide	$3806	$647
Progressive	$5480	$923
Farmers	$6250	$1052

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 Level Plains, Cincinnati is the cheapest car insurance provider. At $166 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 Level Plains is Farmers, offering rates of around $2913 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$166	$28
Country Financial	$284	$49
Nationwide	$385	$64
Travelers	$807	$136
USAA	$968	$161
Progressive	$1155	$194
Allstate	$1828	$305
State Farm	$2101	$357
Auto-Owners	$2320	$387
Farmers	$2913	$495

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Save up to $971/yr on car insurance rates in Level Plains.

Car Insurance Rates with An Accident in Level Plains

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 Level Plains, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Level Plains

The cheapest car insurance companies after an at-fault accident in Level Plains include Cincinnati and AutoOwners Insurance Co, offering $182 and $284, respectively. Farmers is an expensive provider with an average six-month premium of $2497.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$182	$31
Auto-Owners Insurance Co	$284	$49
Country Financial	$284	$48
Safeway	$353	$59
Travelers	$513	$86
State Farm	$572	$96
USAA	$711	$120
Auto-Owners	$759	$128
Allstate	$1203	$203
Progressive	$1748	$294
Nationwide	$1791	$299
Farmers	$2497	$425

Level Plains Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Level Plains AL. For example, the car insurance in Level Plains after a DUI increases to $727 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Level Plains auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$877	$146
One Med/PIP claim	$877	$149
One comp claim	$904	$150
Two Med/PIP claims	$904	$154
Not-at-fault accident	$909	$151
Two comp claims	$951	$162
Driving without lights	$1042	$174
Failure to wear a seat belt	$1053	$179
Failure to show documents	$1058	$176
Child safety restraint	$1064	$181
Cell phone violation	$1080	$180
Driving with expired registration	$1080	$184
Driving too slowly	$1085	$181
Speeding 6 - 10 MPH over limit	$1085	$185
Speeding in school zone	$1085	$181
Texting while driving	$1085	$185
Speeding 11 - 15 MPH over limit	$1096	$183
Wrong way/wrong lane	$1096	$186
Failure to yield	$1102	$184
Following too closely	$1102	$187
Illegal turn	$1102	$184
Speeding 16 - 20 MPH over limit	$1102	$187
Failure to stop at a red light	$1107	$185
Improper passing	$1107	$188
Passing school bus	$1144	$191
Speeding 21 - 25 MPH over limit	$1149	$195
At-fault accident - less than $1000	$1160	$194
In 65 MPH zone	$1176	$200
At-fault accident - $1000-$2000	$1267	$212
Operating a vehicle without permission	$1293	$220
At-fault accident - greater than $2000	$1304	$218
Open container	$1331	$226
Reckless driving	$1475	$246
Driving with a suspended license	$1540	$262
Racing	$1561	$260
Refusal to submit to a chemical test	$1571	$267
DUI	$1604	$267
Leaving scene of an accident/hit and run	$1668	$284

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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 Level Plains 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 Level Plains.

The cheapest car insurance premiums in Level Plains are offered by Cincinnati at $246 for a six-month policy. However, it can be as expensive as $2400 with companies like Farmers.

Level Plains car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$246	$41
Country Financial	$331	$56
Travelers	$631	$106
State Farm	$946	$159
USAA	$1058	$178
Allstate	$1117	$188
Progressive	$1122	$189
Auto-Owners	$1422	$239
Nationwide	$2390	$399
Farmers	$2400	$408

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 Level Plains are offered by Cincinnati at $123. However, it can be as expensive as $2304 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Level Plains after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$123	$21
Country Financial	$176	$30
Auto-Owners Insurance Co	$235	$40
State Farm	$396	$67
Travelers	$609	$103
USAA	$647	$110
Auto-Owners	$786	$131
Allstate	$1182	$201
Progressive	$1636	$273
Farmers	$2304	$392

Car Insurance Price Trends in Level Plains, Alabama

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

The average cost of full coverage in the Level Plains rose by $178 in December compared to $176 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Level Plains rose to $45 in December, compared to $44 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 Level Plains?

The car insurance in Level Plains is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Level Plains?

The cheapest car insurance in Level Plains is $76 per month for full coverage.

How much is car insurance in Level Plains for teenagers?

Car insurance for teenagers costs $129 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 Level Plains?

The average cost of car insurance is $936 for a six-month policy. It will cost around $141 per month to insure your car in Level Plains.

Is car insurance expensive in Level Plains?

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

Cheapest Car Insurance Quotes in Level Plains

Why you can trust Way?

How Much Is Car Insurance in Level Plains

Avg. Car Insurance in Level Plains

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Level Plains

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Level Plains Car Insurance Rates by Company

Cheap Car Insurance Companies in Level Plains, AL

Way's key takeaways about car insurance in Level Plains

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Level Plains

Cheapest Liability Coverage in Level Plains, AL

Cheapest Full Coverage Car Insurance in Level Plains

Cheapest Full Coverage Car Insurance Quotes in Level Plains, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Level Plains by Rating Factor

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

Car Insurance Premiums by Age in Level Plains

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Level Plains,AL

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

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 Level Plains

Cheapest Car Insurance Companies after an At-Fault Accident in Level Plains

Level Plains Car Insurance Rates by Violation

Level Plains auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Level Plains after a DUI

Level Plains car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Level Plains after Speeding ticket

Car Insurance Price Trends in Level Plains, Alabama

Average Car Insurance Cost in Level Plains by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Level Plains, AL

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

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