Cheapest Car Insurance Quotes in Magnolia Springs

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Magnolia Springs Car Insurance

^$ 21

/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 Magnolia Springs

The car insurance rate in Magnolia Springs is $899 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $485, making it a popular choice for budget-conscious drivers. Rates in Magnolia Springs 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 Magnolia Springs

$899

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Magnolia Springs

1st place: AutoOwners Insurance Co

At $485 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 $633 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $684 for six months, making it the third cheapest auto insurance company in Magnolia Springs.

Magnolia Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Magnolia Springs, AL is AutoOwners Insurance Co, offering policies at just $485 for a six-month term. This is followed by State Farm, which has an average six-month premium of $633.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1922 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Magnolia Springs drivers find the best deals.

Cheap Car Insurance Companies in Magnolia Springs, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$485	$81
State Farm	$633	$107
Travelers	$684	$115
Country Financial	$702	$118
Cincinnati	$724	$122
USAA	$747	$126
Auto-Owners	$799	$134
Nationwide	$1009	$172
Allstate	$1026	$173
Progressive	$1158	$195
Farmers	$1922	$321

Key Takeaways

Way's key takeaways about car insurance in Magnolia Springs

The auto insurance costs in Magnolia Springs fall around $485 for six months.
The cheapest auto insurance company in Magnolia Springs is Cincinnati.
Teen drivers pay the highest rate in Magnolia Springs at $1122 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Magnolia Springs

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 Magnolia Springs are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Magnolia Springs. Their Average 6 Month Premium is $126. Farmers is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Magnolia Springs, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$126	$21
Mercury	$137	$23
Country Financial	$211	$36
Auto-Owners Insurance Co	$217	$36
USAA	$217	$36
State Farm	$223	$37
Travelers	$239	$40
Auto-Owners	$274	$46
Progressive	$388	$65
Nationwide	$411	$68
Allstate	$450	$76
Farmers	$730	$122

Cheapest Full Coverage Car Insurance in Magnolia Springs

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 Magnolia Springs is AutoOwners Insurance Co at $81 per month and $485 for six months.

Cheapest Full Coverage Car Insurance Quotes in Magnolia Springs, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$485	$81
State Farm	$633	$107
Travelers	$684	$115
Country Financial	$702	$118
Cincinnati	$724	$122
USAA	$747	$126
Auto-Owners	$799	$134
Nationwide	$1009	$172
Allstate	$1026	$173
Progressive	$1158	$195
Farmers	$1922	$321

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Average Car Insurance in Magnolia Springs 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 Magnolia Springs, AL increasing?

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

Car Insurance Premiums by Age in Magnolia Springs

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 Magnolia Springs,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Magnolia Springs at $23 per month. At $6666 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Country Financial	$217	$36
Travelers	$1340	$226
USAA	$1625	$274
State Farm	$1693	$285
Auto-Owners	$2583	$440
Allstate	$3336	$562
Nationwide	$4060	$690
Progressive	$5845	$984
Farmers	$6666	$1122

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 Magnolia Springs, Cincinnati is the cheapest car insurance provider. At $177 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 Magnolia Springs is Farmers, offering rates of around $3108 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$177	$30
Country Financial	$302	$52
Nationwide	$411	$68
Travelers	$861	$145
USAA	$1032	$172
Progressive	$1232	$207
Allstate	$1950	$325
State Farm	$2241	$381
Auto-Owners	$2475	$413
Farmers	$3108	$528

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Car Insurance Rates with An Accident in Magnolia Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Magnolia Springs

The cheapest car insurance companies after an at-fault accident in Magnolia Springs include Cincinnati and AutoOwners Insurance Co, offering $194 and $302, respectively. Farmers is an expensive provider with an average six-month premium of $2663.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$194	$33
Auto-Owners Insurance Co	$302	$52
Country Financial	$302	$51
Safeway	$376	$63
Travelers	$547	$92
State Farm	$611	$103
USAA	$758	$128
Auto-Owners	$809	$136
Allstate	$1284	$216
Progressive	$1864	$314
Nationwide	$1910	$319
Farmers	$2663	$453

Magnolia Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Magnolia Springs AL. For example, the car insurance in Magnolia Springs after a DUI increases to $776 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

Magnolia Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$935	$156
One Med/PIP claim	$935	$159
One comp claim	$964	$160
Two Med/PIP claims	$964	$164
Not-at-fault accident	$970	$161
Two comp claims	$1015	$173
Driving without lights	$1112	$185
Failure to wear a seat belt	$1123	$191
Failure to show documents	$1129	$188
Child safety restraint	$1135	$193
Cell phone violation	$1152	$192
Driving with expired registration	$1152	$196
Driving too slowly	$1158	$193
Speeding 6 - 10 MPH over limit	$1158	$197
Speeding in school zone	$1158	$193
Texting while driving	$1158	$197
Speeding 11 - 15 MPH over limit	$1169	$195
Wrong way/wrong lane	$1169	$199
Failure to yield	$1175	$196
Following too closely	$1175	$200
Illegal turn	$1175	$196
Speeding 16 - 20 MPH over limit	$1175	$200
Failure to stop at a red light	$1181	$197
Improper passing	$1181	$201
Passing school bus	$1220	$204
Speeding 21 - 25 MPH over limit	$1226	$208
At-fault accident - less than $1000	$1237	$206
In 65 MPH zone	$1255	$213
At-fault accident - $1000-$2000	$1352	$226
Operating a vehicle without permission	$1380	$234
At-fault accident - greater than $2000	$1391	$232
Open container	$1420	$241
Reckless driving	$1573	$262
Driving with a suspended license	$1643	$279
Racing	$1665	$277
Refusal to submit to a chemical test	$1676	$285
DUI	$1711	$285
Leaving scene of an accident/hit and run	$1779	$302

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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 Magnolia Springs 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 Magnolia Springs.

The cheapest car insurance premiums in Magnolia Springs are offered by Cincinnati at $262 for a six-month policy. However, it can be as expensive as $2560 with companies like Farmers.

Magnolia Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$262	$44
Country Financial	$353	$60
Travelers	$673	$113
State Farm	$1009	$170
USAA	$1129	$190
Allstate	$1191	$201
Progressive	$1197	$202
Auto-Owners	$1517	$255
Nationwide	$2549	$425
Farmers	$2560	$435

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 Magnolia Springs are offered by Cincinnati at $132. However, it can be as expensive as $2458 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Magnolia Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$132	$22
Country Financial	$188	$32
Auto-Owners Insurance Co	$251	$42
State Farm	$422	$71
Travelers	$650	$109
USAA	$690	$117
Auto-Owners	$838	$140
Allstate	$1260	$214
Progressive	$1745	$291
Farmers	$2458	$418

Car Insurance Price Trends in Magnolia Springs, Alabama

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

The average cost of full coverage in the Magnolia Springs rose by $190 in December compared to $187 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 Magnolia Springs rose to $48 in December, compared to $47 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 Magnolia Springs?

The car insurance in Magnolia Springs is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Magnolia Springs?

The cheapest car insurance in Magnolia Springs is $81 per month for full coverage.

How much is car insurance in Magnolia Springs for teenagers?

Car insurance for teenagers costs $137 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 Magnolia Springs?

The average cost of car insurance is $936 for a six-month policy. It will cost around $151 per month to insure your car in Magnolia Springs.

Is car insurance expensive in Magnolia Springs?

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

Cheapest Car Insurance Quotes in Magnolia Springs

Why you can trust Way?

How Much Is Car Insurance in Magnolia Springs

Avg. Car Insurance in Magnolia Springs

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Magnolia Springs

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Magnolia Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Magnolia Springs, AL

Way's key takeaways about car insurance in Magnolia Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Magnolia Springs

Cheapest Liability Coverage in Magnolia Springs, AL

Cheapest Full Coverage Car Insurance in Magnolia Springs

Cheapest Full Coverage Car Insurance Quotes in Magnolia Springs, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Magnolia Springs by Rating Factor

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

Car Insurance Premiums by Age in Magnolia Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Magnolia Springs,AL

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

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 Magnolia Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Magnolia Springs

Magnolia Springs Car Insurance Rates by Violation

Magnolia Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Magnolia Springs after a DUI

Magnolia Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Magnolia Springs after Speeding ticket

Car Insurance Price Trends in Magnolia Springs, Alabama

Average Car Insurance Cost in Magnolia Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Magnolia Springs, AL

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

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