Cheapest Car Insurance Quotes in Muscle Shoals

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Muscle Shoals 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 Muscle Shoals

The car insurance rate in Muscle Shoals is $852 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $460, making it a popular choice for budget-conscious drivers. Rates in Muscle Shoals 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 Muscle Shoals

$852

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Muscle Shoals

1st place: AutoOwners Insurance Co

At $460 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 $600 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $649 for six months, making it the third cheapest auto insurance company in Muscle Shoals.

Muscle Shoals Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Muscle Shoals, AL is AutoOwners Insurance Co, offering policies at just $460 for a six-month term. This is followed by State Farm, which has an average six-month premium of $600.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1822 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Muscle Shoals drivers find the best deals.

Cheap Car Insurance Companies in Muscle Shoals, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$460	$76
State Farm	$600	$101
Travelers	$649	$109
Country Financial	$665	$112
Cincinnati	$686	$116
USAA	$708	$119
Auto-Owners	$757	$127
Nationwide	$956	$163
Allstate	$973	$164
Progressive	$1097	$185
Farmers	$1822	$304

Key Takeaways

Way's key takeaways about car insurance in Muscle Shoals

The auto insurance costs in Muscle Shoals fall around $460 for six months.
The cheapest auto insurance company in Muscle Shoals is Cincinnati.
Teen drivers pay the highest rate in Muscle Shoals at $1064 per month.

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

Cheapest Minimum Liability Car Insurance in Muscle Shoals

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 Muscle Shoals are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Muscle Shoals. Their Average 6 Month Premium is $119. Farmers is the most expensive at $692 for the same period.

Cheapest Liability Coverage in Muscle Shoals, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$119	$20
Mercury	$130	$22
Country Financial	$200	$34
Auto-Owners Insurance Co	$206	$35
USAA	$206	$35
State Farm	$211	$35
Travelers	$227	$38
Auto-Owners	$259	$44
Progressive	$368	$62
Nationwide	$389	$65
Allstate	$427	$72
Farmers	$692	$116

Cheapest Full Coverage Car Insurance in Muscle Shoals

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 Muscle Shoals is AutoOwners Insurance Co at $76 per month and $460 for six months.

Cheapest Full Coverage Car Insurance Quotes in Muscle Shoals, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$460	$76
State Farm	$600	$101
Travelers	$649	$109
Country Financial	$665	$112
Cincinnati	$686	$116
USAA	$708	$119
Auto-Owners	$757	$127
Nationwide	$956	$163
Allstate	$973	$164
Progressive	$1097	$185
Farmers	$1822	$304

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Average Car Insurance in Muscle Shoals 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 Muscle Shoals, AL increasing?

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

Car Insurance Premiums by Age in Muscle Shoals

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 Muscle Shoals,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Muscle Shoals at $22 per month. At $6319 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$130	$22
Country Financial	$206	$35
Travelers	$1270	$214
USAA	$1541	$259
State Farm	$1605	$270
Auto-Owners	$2449	$417
Allstate	$3162	$532
Nationwide	$3848	$654
Progressive	$5541	$933
Farmers	$6319	$1064

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 Muscle Shoals, Cincinnati is the cheapest car insurance provider. At $167 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 Muscle Shoals is Farmers, offering rates of around $2946 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$167	$28
Country Financial	$287	$49
Nationwide	$389	$65
Travelers	$816	$137
USAA	$978	$163
Progressive	$1168	$197
Allstate	$1848	$308
State Farm	$2124	$361
Auto-Owners	$2346	$391
Farmers	$2946	$501

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Car Insurance Rates with An Accident in Muscle Shoals

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

Cheapest Car Insurance Companies after an At-Fault Accident in Muscle Shoals

The cheapest car insurance companies after an at-fault accident in Muscle Shoals include Cincinnati and AutoOwners Insurance Co, offering $184 and $287, respectively. Farmers is an expensive provider with an average six-month premium of $2524.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$184	$31
Auto-Owners Insurance Co	$287	$49
Country Financial	$287	$48
Safeway	$357	$60
Travelers	$519	$87
State Farm	$579	$97
USAA	$719	$121
Auto-Owners	$767	$129
Allstate	$1217	$205
Progressive	$1767	$298
Nationwide	$1811	$302
Farmers	$2524	$430

Muscle Shoals Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Muscle Shoals AL. For example, the car insurance in Muscle Shoals after a DUI increases to $736 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Muscle Shoals auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$886	$147
One Med/PIP claim	$886	$151
One comp claim	$914	$152
Two Med/PIP claims	$914	$156
Not-at-fault accident	$919	$153
Two comp claims	$962	$164
Driving without lights	$1054	$176
Failure to wear a seat belt	$1065	$181
Failure to show documents	$1070	$178
Child safety restraint	$1076	$183
Cell phone violation	$1092	$182
Driving with expired registration	$1092	$186
Driving too slowly	$1097	$183
Speeding 6 - 10 MPH over limit	$1097	$187
Speeding in school zone	$1097	$183
Texting while driving	$1097	$187
Speeding 11 - 15 MPH over limit	$1108	$185
Wrong way/wrong lane	$1108	$188
Failure to yield	$1114	$186
Following too closely	$1114	$189
Illegal turn	$1114	$186
Speeding 16 - 20 MPH over limit	$1114	$189
Failure to stop at a red light	$1119	$187
Improper passing	$1119	$190
Passing school bus	$1157	$193
Speeding 21 - 25 MPH over limit	$1162	$197
At-fault accident - less than $1000	$1173	$196
In 65 MPH zone	$1189	$202
At-fault accident - $1000-$2000	$1281	$214
Operating a vehicle without permission	$1308	$222
At-fault accident - greater than $2000	$1319	$220
Open container	$1346	$228
Reckless driving	$1491	$248
Driving with a suspended license	$1557	$265
Racing	$1578	$263
Refusal to submit to a chemical test	$1589	$270
DUI	$1622	$270
Leaving scene of an accident/hit and run	$1686	$287

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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 Muscle Shoals 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 Muscle Shoals.

The cheapest car insurance premiums in Muscle Shoals are offered by Cincinnati at $248 for a six-month policy. However, it can be as expensive as $2427 with companies like Farmers.

Muscle Shoals car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$248	$42
Country Financial	$335	$56
Travelers	$638	$107
State Farm	$956	$161
USAA	$1070	$180
Allstate	$1129	$190
Progressive	$1135	$191
Auto-Owners	$1438	$242
Nationwide	$2416	$403
Farmers	$2427	$412

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 Muscle Shoals are offered by Cincinnati at $125. However, it can be as expensive as $2330 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Muscle Shoals after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$125	$21
Country Financial	$178	$30
Auto-Owners Insurance Co	$238	$40
State Farm	$400	$67
Travelers	$616	$104
USAA	$654	$111
Auto-Owners	$794	$133
Allstate	$1195	$203
Progressive	$1654	$276
Farmers	$2330	$396

Car Insurance Price Trends in Muscle Shoals, Alabama

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

The average cost of full coverage in the Muscle Shoals rose by $180 in December compared to $177 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 Muscle Shoals rose to $46 in December, compared to $45 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 Muscle Shoals?

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

What is the cheapest car insurance in Muscle Shoals?

The cheapest car insurance in Muscle Shoals is $76 per month for full coverage.

How much is car insurance in Muscle Shoals for teenagers?

Car insurance for teenagers costs $130 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 Muscle Shoals?

The average cost of car insurance is $936 for a six-month policy. It will cost around $143 per month to insure your car in Muscle Shoals.

Is car insurance expensive in Muscle Shoals?

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

Cheapest Car Insurance Quotes in Muscle Shoals

Why you can trust Way?

How Much Is Car Insurance in Muscle Shoals

Avg. Car Insurance in Muscle Shoals

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Muscle Shoals

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Muscle Shoals Car Insurance Rates by Company

Cheap Car Insurance Companies in Muscle Shoals, AL

Way's key takeaways about car insurance in Muscle Shoals

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Muscle Shoals

Cheapest Liability Coverage in Muscle Shoals, AL

Cheapest Full Coverage Car Insurance in Muscle Shoals

Cheapest Full Coverage Car Insurance Quotes in Muscle Shoals, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Muscle Shoals by Rating Factor

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

Car Insurance Premiums by Age in Muscle Shoals

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Muscle Shoals,AL

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

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 Muscle Shoals

Cheapest Car Insurance Companies after an At-Fault Accident in Muscle Shoals

Muscle Shoals Car Insurance Rates by Violation

Muscle Shoals auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Muscle Shoals after a DUI

Muscle Shoals car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Muscle Shoals after Speeding ticket

Car Insurance Price Trends in Muscle Shoals, Alabama

Average Car Insurance Cost in Muscle Shoals by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Muscle Shoals, AL

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

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