Cheapest Car Insurance Quotes in Megargel

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Megargel Car Insurance

^$ 24

/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 Megargel

The car insurance rate in Megargel is $1041 for a six-month policy, which is $68 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $540, making it a popular choice for budget-conscious drivers. Rates in Megargel 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 Megargel

$1041

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Megargel

1st place: AutoOwners Insurance Co

At $540 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $750 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $807 for six months, making it the third cheapest auto insurance company in Megargel.

Megargel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Megargel, AL is AutoOwners Insurance Co, offering policies at just $540 for a six-month term. This is followed by Travelers, which has an average six-month premium of $750.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2142 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Megargel drivers find the best deals.

Cheap Car Insurance Companies in Megargel, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$540	$92
Travelers	$750	$126
Cincinnati	$807	$136
Country Financial	$813	$137
State Farm	$813	$137
USAA	$865	$146
Auto-Owners	$877	$148
Allstate	$1094	$184
Progressive	$1233	$208
Nationwide	$1519	$256
Farmers	$2142	$357

Key Takeaways

Way's key takeaways about car insurance in Megargel

The auto insurance costs in Megargel fall around $540 for six months.
The cheapest auto insurance company in Megargel is Cincinnati.
Teen drivers pay the highest rate in Megargel at $1164 per month.

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Cheapest Minimum Liability Car Insurance in Megargel

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 Megargel are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Megargel. Their Average 6 Month Premium is $140. Farmers is the most expensive at $813 for the same period.

Cheapest Liability Coverage in Megargel, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$24
Mercury	$153	$26
Auto-Owners Insurance Co	$242	$41
Travelers	$255	$43
USAA	$255	$43
State Farm	$273	$46
Auto-Owners	$292	$49
Country Financial	$305	$51
Progressive	$394	$66
Allstate	$452	$76
Nationwide	$566	$95
Farmers	$813	$136

Cheapest Full Coverage Car Insurance in Megargel

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 Megargel is AutoOwners Insurance Co at $92 per month and $540 for six months.

Cheapest Full Coverage Car Insurance Quotes in Megargel, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$540	$92
Travelers	$750	$126
Cincinnati	$807	$136
Country Financial	$813	$137
State Farm	$813	$137
USAA	$865	$146
Auto-Owners	$877	$148
Allstate	$1094	$184
Progressive	$1233	$208
Nationwide	$1519	$256
Farmers	$2142	$357

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Average Car Insurance in Megargel 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 Megargel, AL increasing?

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

Car Insurance Premiums by Age in Megargel

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 Megargel,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Megargel at $26 per month. At $6845 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$153	$26
Country Financial	$1017	$171
Travelers	$1500	$253
USAA	$1907	$321
State Farm	$2231	$376
Auto-Owners	$2568	$437
Allstate	$3343	$563
Progressive	$5822	$980
Nationwide	$5949	$1002
Farmers	$6845	$1164

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 Megargel, Cincinnati is the cheapest car insurance provider. At $197 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 Megargel is Farmers, offering rates of around $3464 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$197	$33
Country Financial	$795	$134
Travelers	$902	$152
Progressive	$1233	$208
USAA	$1303	$217
Nationwide	$1652	$278
Allstate	$1850	$308
Auto-Owners	$2670	$454
State Farm	$3794	$632
Farmers	$3464	$589

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Car Insurance Rates with An Accident in Megargel

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

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

The cheapest car insurance companies after an at-fault accident in Megargel include Cincinnati and AutoOwners Insurance Co, offering $216 and $337, respectively. Farmers is an expensive provider with an average six-month premium of $2968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$216	$36
Auto-Owners Insurance Co	$337	$58
Safeway	$419	$71
Travelers	$597	$101
Country Financial	$629	$106
State Farm	$782	$132
USAA	$890	$150
Auto-Owners	$966	$163
Allstate	$1310	$220
Progressive	$2028	$341
Nationwide	$2765	$465
Farmers	$2968	$505

Megargel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Megargel AL. For example, the car insurance in Megargel after a DUI increases to $865 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Megargel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1042	$178
One comp claim	$1074	$179
Two Med/PIP claims	$1074	$183
Not-at-fault accident	$1081	$180
Two comp claims	$1131	$193
Driving without lights	$1239	$207
Failure to wear a seat belt	$1252	$213
Failure to show documents	$1258	$210
Child safety restraint	$1265	$215
Cell phone violation	$1284	$214
Driving with expired registration	$1284	$218
Driving too slowly	$1290	$215
Speeding 6 - 10 MPH over limit	$1290	$219
Speeding in school zone	$1290	$215
Texting while driving	$1290	$219
Speeding 11 - 15 MPH over limit	$1303	$217
Wrong way/wrong lane	$1303	$221
Failure to yield	$1310	$218
Following too closely	$1310	$223
Illegal turn	$1310	$218
Speeding 16 - 20 MPH over limit	$1310	$223
Failure to stop at a red light	$1316	$219
Improper passing	$1316	$224
Passing school bus	$1360	$227
Speeding 21 - 25 MPH over limit	$1366	$232
At-fault accident - less than $1000	$1379	$230
In 65 MPH zone	$1398	$238
At-fault accident - $1000-$2000	$1507	$251
Operating a vehicle without permission	$1538	$261
At-fault accident - greater than $2000	$1550	$259
Open container	$1583	$269
Reckless driving	$1754	$292
Driving with a suspended license	$1831	$311
Racing	$1855	$309
Refusal to submit to a chemical test	$1868	$318
DUI	$1907	$318
Leaving scene of an accident/hit and run	$1983	$337

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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 Megargel 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 Megargel.

The cheapest car insurance premiums in Megargel are offered by Cincinnati at $292 for a six-month policy. However, it can be as expensive as $2854 with companies like Farmers.

Megargel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$292	$49
Travelers	$731	$123
Country Financial	$858	$144
Allstate	$1220	$205
Progressive	$1233	$208
USAA	$1323	$223
State Farm	$1386	$233
Auto-Owners	$1837	$309
Nationwide	$3725	$627
Farmers	$2854	$485

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 Megargel are offered by Cincinnati at $147. However, it can be as expensive as $2739 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Megargel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$147	$25
Auto-Owners Insurance Co	$279	$47
State Farm	$655	$110
Country Financial	$661	$111
Travelers	$692	$117
USAA	$871	$148
Auto-Owners	$915	$153
Allstate	$1176	$200
Progressive	$1805	$301
Nationwide	$2791	$474
Farmers	$2739	$465

Car Insurance Price Trends in Megargel, Alabama

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

The average cost of full coverage in the Megargel dipped by $205 in January compared to $212 of December. In other words, there has been an decrease by $7 when you compare January and December.

The average cost of liability insurance in the Megargel dipped to $51 in January, compared to $54 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Megargel?

The car insurance in Megargel is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Megargel?

The cheapest car insurance in Megargel is $92 per month for full coverage.

How much is car insurance in Megargel for teenagers?

Car insurance for teenagers costs $153 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 Megargel?

The average cost of car insurance is $973 for a six-month policy. It will cost around $174 per month to insure your car in Megargel.

Is car insurance expensive in Megargel?

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

Cheapest Car Insurance Quotes in Megargel

Why you can trust Way?

How Much Is Car Insurance in Megargel

Avg. Car Insurance in Megargel

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Megargel

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Megargel Car Insurance Rates by Company

Cheap Car Insurance Companies in Megargel, AL

Way's key takeaways about car insurance in Megargel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Megargel

Cheapest Liability Coverage in Megargel, AL

Cheapest Full Coverage Car Insurance in Megargel

Cheapest Full Coverage Car Insurance Quotes in Megargel, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Megargel by Rating Factor

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

Car Insurance Premiums by Age in Megargel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Megargel,AL

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

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 Megargel

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

Megargel Car Insurance Rates by Violation

Megargel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Megargel after a DUI

Megargel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Megargel after Speeding ticket

Car Insurance Price Trends in Megargel, Alabama

Average Car Insurance Cost in Megargel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Megargel, AL

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

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