Cheapest Car Insurance Quotes in Loachapoka

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Loachapoka Car Insurance

^$ 22

/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 Loachapoka

The car insurance rate in Loachapoka is $927 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $500, making it a popular choice for budget-conscious drivers. Rates in Loachapoka 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 Loachapoka

$927

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Loachapoka

1st place: AutoOwners Insurance Co

At $500 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 $652 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $706 for six months, making it the third cheapest auto insurance company in Loachapoka.

Loachapoka Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Loachapoka, AL is AutoOwners Insurance Co, offering policies at just $500 for a six-month term. This is followed by State Farm, which has an average six-month premium of $652.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1982 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Loachapoka drivers find the best deals.

Cheap Car Insurance Companies in Loachapoka, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$83
State Farm	$652	$110
Travelers	$706	$119
Country Financial	$724	$122
Cincinnati	$746	$126
USAA	$770	$130
Auto-Owners	$824	$139
Nationwide	$1040	$177
Allstate	$1058	$178
Progressive	$1194	$201
Farmers	$1982	$331

Key Takeaways

Way's key takeaways about car insurance in Loachapoka

The auto insurance costs in Loachapoka fall around $500 for six months.
The cheapest auto insurance company in Loachapoka is Cincinnati.
Teen drivers pay the highest rate in Loachapoka at $1157 per month.

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Cheapest Minimum Liability Car Insurance in Loachapoka

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 Loachapoka are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Loachapoka. Their Average 6 Month Premium is $130. Farmers is the most expensive at $752 for the same period.

Cheapest Liability Coverage in Loachapoka, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$130	$22
Mercury	$142	$24
Country Financial	$218	$37
Auto-Owners Insurance Co	$224	$38
USAA	$224	$38
State Farm	$230	$39
Travelers	$247	$42
Auto-Owners	$282	$48
Progressive	$400	$67
Nationwide	$424	$70
Allstate	$464	$78
Farmers	$752	$126

Cheapest Full Coverage Car Insurance in Loachapoka

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 Loachapoka is AutoOwners Insurance Co at $83 per month and $500 for six months.

Cheapest Full Coverage Car Insurance Quotes in Loachapoka, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$83
State Farm	$652	$110
Travelers	$706	$119
Country Financial	$724	$122
Cincinnati	$746	$126
USAA	$770	$130
Auto-Owners	$824	$139
Nationwide	$1040	$177
Allstate	$1058	$178
Progressive	$1194	$201
Farmers	$1982	$331

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Average Car Insurance in Loachapoka 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 Loachapoka, AL increasing?

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

Car Insurance Premiums by Age in Loachapoka

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 Loachapoka,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Loachapoka at $24 per month. At $6875 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$142	$24
Country Financial	$224	$38
Travelers	$1382	$233
USAA	$1676	$282
State Farm	$1746	$294
Auto-Owners	$2664	$453
Allstate	$3440	$579
Nationwide	$4187	$712
Progressive	$6028	$1015
Farmers	$6875	$1157

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 Loachapoka, Cincinnati is the cheapest car insurance provider. At $182 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 Loachapoka is Farmers, offering rates of around $3205 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$182	$31
Country Financial	$312	$53
Nationwide	$424	$70
Travelers	$888	$149
USAA	$1064	$177
Progressive	$1270	$214
Allstate	$2011	$336
State Farm	$2311	$393
Auto-Owners	$2552	$426
Farmers	$3205	$545

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

Car Insurance Rates with An Accident in Loachapoka

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

Cheapest Car Insurance Companies after an At-Fault Accident in Loachapoka

The cheapest car insurance companies after an at-fault accident in Loachapoka include Cincinnati and AutoOwners Insurance Co, offering $200 and $312, respectively. Farmers is an expensive provider with an average six-month premium of $2746.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$200	$34
Auto-Owners Insurance Co	$312	$53
Country Financial	$312	$52
Safeway	$388	$65
Travelers	$564	$95
State Farm	$630	$106
USAA	$782	$132
Auto-Owners	$835	$141
Allstate	$1324	$223
Progressive	$1923	$324
Nationwide	$1970	$329
Farmers	$2746	$467

Loachapoka Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Loachapoka AL. For example, the car insurance in Loachapoka after a DUI increases to $800 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Loachapoka auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$964	$160
One Med/PIP claim	$964	$164
One comp claim	$994	$165
Two Med/PIP claims	$994	$169
Not-at-fault accident	$1000	$166
Two comp claims	$1046	$178
Driving without lights	$1146	$191
Failure to wear a seat belt	$1158	$197
Failure to show documents	$1164	$194
Child safety restraint	$1170	$199
Cell phone violation	$1188	$198
Driving with expired registration	$1188	$202
Driving too slowly	$1194	$199
Speeding 6 - 10 MPH over limit	$1194	$203
Speeding in school zone	$1194	$199
Texting while driving	$1194	$203
Speeding 11 - 15 MPH over limit	$1206	$201
Wrong way/wrong lane	$1206	$205
Failure to yield	$1212	$202
Following too closely	$1212	$206
Illegal turn	$1212	$202
Speeding 16 - 20 MPH over limit	$1212	$206
Failure to stop at a red light	$1218	$203
Improper passing	$1218	$207
Passing school bus	$1258	$210
Speeding 21 - 25 MPH over limit	$1264	$215
At-fault accident - less than $1000	$1276	$213
In 65 MPH zone	$1294	$220
At-fault accident - $1000-$2000	$1394	$233
Operating a vehicle without permission	$1423	$242
At-fault accident - greater than $2000	$1435	$240
Open container	$1464	$248
Reckless driving	$1623	$270
Driving with a suspended license	$1694	$288
Racing	$1717	$286
Refusal to submit to a chemical test	$1729	$294
DUI	$1764	$294
Leaving scene of an accident/hit and run	$1834	$312

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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 Loachapoka 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 Loachapoka.

The cheapest car insurance premiums in Loachapoka are offered by Cincinnati at $270 for a six-month policy. However, it can be as expensive as $2640 with companies like Farmers.

Loachapoka car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$270	$46
Country Financial	$364	$61
Travelers	$694	$117
State Farm	$1040	$175
USAA	$1164	$196
Allstate	$1229	$207
Progressive	$1235	$208
Auto-Owners	$1564	$263
Nationwide	$2628	$439
Farmers	$2640	$448

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 Loachapoka are offered by Cincinnati at $136. However, it can be as expensive as $2534 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Loachapoka after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$136	$23
Country Financial	$194	$33
Auto-Owners Insurance Co	$258	$44
State Farm	$436	$73
Travelers	$670	$113
USAA	$712	$121
Auto-Owners	$864	$145
Allstate	$1300	$221
Progressive	$1800	$300
Farmers	$2534	$431

Car Insurance Price Trends in Loachapoka, Alabama

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

The average cost of full coverage in the Loachapoka rose by $196 in December compared to $193 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 Loachapoka rose to $50 in December, compared to $49 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 Loachapoka?

The car insurance in Loachapoka is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Loachapoka?

The cheapest car insurance in Loachapoka is $83 per month for full coverage.

How much is car insurance in Loachapoka for teenagers?

Car insurance for teenagers costs $142 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 Loachapoka?

The average cost of car insurance is $936 for a six-month policy. It will cost around $155 per month to insure your car in Loachapoka.

Is car insurance expensive in Loachapoka?

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

Cheapest Car Insurance Quotes in Loachapoka

Why you can trust Way?

How Much Is Car Insurance in Loachapoka

Avg. Car Insurance in Loachapoka

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Loachapoka

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Loachapoka Car Insurance Rates by Company

Cheap Car Insurance Companies in Loachapoka, AL

Way's key takeaways about car insurance in Loachapoka

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Loachapoka

Cheapest Liability Coverage in Loachapoka, AL

Cheapest Full Coverage Car Insurance in Loachapoka

Cheapest Full Coverage Car Insurance Quotes in Loachapoka, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Loachapoka by Rating Factor

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

Car Insurance Premiums by Age in Loachapoka

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Loachapoka,AL

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

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 Loachapoka

Cheapest Car Insurance Companies after an At-Fault Accident in Loachapoka

Loachapoka Car Insurance Rates by Violation

Loachapoka auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Loachapoka after a DUI

Loachapoka car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Loachapoka after Speeding ticket

Car Insurance Price Trends in Loachapoka, Alabama

Average Car Insurance Cost in Loachapoka by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Loachapoka, AL

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

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Data Sources