Cheapest Car Insurance Quotes in Orange Beach

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Orange Beach 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 Orange Beach

The car insurance rate in Orange Beach is $924 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $480, making it a popular choice for budget-conscious drivers. Rates in Orange Beach 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 Orange Beach

$924

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Orange Beach

1st place: AutoOwners Insurance Co

At $480 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 $666 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $716 for six months, making it the third cheapest auto insurance company in Orange Beach.

Orange Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orange Beach, AL is AutoOwners Insurance Co, offering policies at just $480 for a six-month term. This is followed by Travelers, which has an average six-month premium of $666.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1902 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orange Beach drivers find the best deals.

Cheap Car Insurance Companies in Orange Beach, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$480	$82
Travelers	$666	$112
Cincinnati	$716	$121
Country Financial	$722	$122
State Farm	$722	$122
USAA	$768	$129
Auto-Owners	$779	$131
Allstate	$971	$163
Progressive	$1094	$184
Nationwide	$1349	$227
Farmers	$1902	$317

Key Takeaways

Way's key takeaways about car insurance in Orange Beach

The auto insurance costs in Orange Beach fall around $480 for six months.
The cheapest auto insurance company in Orange Beach is Cincinnati.
Teen drivers pay the highest rate in Orange Beach at $1034 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 Orange Beach

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 Orange Beach are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Orange Beach. Their Average 6 Month Premium is $124. Farmers is the most expensive at $722 for the same period.

Cheapest Liability Coverage in Orange Beach, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$124	$21
Mercury	$136	$23
Auto-Owners Insurance Co	$215	$36
Travelers	$226	$38
USAA	$226	$38
State Farm	$242	$41
Auto-Owners	$259	$44
Country Financial	$271	$46
Progressive	$350	$59
Allstate	$401	$67
Nationwide	$503	$85
Farmers	$722	$121

Cheapest Full Coverage Car Insurance in Orange Beach

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 Orange Beach is AutoOwners Insurance Co at $82 per month and $480 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orange Beach, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$480	$82
Travelers	$666	$112
Cincinnati	$716	$121
Country Financial	$722	$122
State Farm	$722	$122
USAA	$768	$129
Auto-Owners	$779	$131
Allstate	$971	$163
Progressive	$1094	$184
Nationwide	$1349	$227
Farmers	$1902	$317

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Average Car Insurance in Orange Beach 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 Orange Beach, AL increasing?

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

Car Insurance Premiums by Age in Orange Beach

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 Orange Beach,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Orange Beach at $23 per month. At $6077 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$136	$23
Country Financial	$903	$152
Travelers	$1332	$224
USAA	$1693	$285
State Farm	$1981	$333
Auto-Owners	$2280	$388
Allstate	$2968	$500
Progressive	$5169	$870
Nationwide	$5282	$889
Farmers	$6077	$1034

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 Orange Beach, Cincinnati is the cheapest car insurance provider. At $175 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 Orange Beach is Farmers, offering rates of around $3075 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$175	$29
Country Financial	$706	$119
Travelers	$801	$135
Progressive	$1094	$184
USAA	$1157	$193
Nationwide	$1467	$247
Allstate	$1643	$274
Auto-Owners	$2370	$403
State Farm	$3369	$561
Farmers	$3075	$523

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Car Insurance Rates with An Accident in Orange Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Orange Beach

The cheapest car insurance companies after an at-fault accident in Orange Beach include Cincinnati and AutoOwners Insurance Co, offering $192 and $299, respectively. Farmers is an expensive provider with an average six-month premium of $2635.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$192	$32
Auto-Owners Insurance Co	$299	$51
Safeway	$372	$63
Travelers	$530	$89
Country Financial	$559	$94
State Farm	$694	$117
USAA	$790	$133
Auto-Owners	$858	$144
Allstate	$1163	$196
Progressive	$1800	$303
Nationwide	$2455	$413
Farmers	$2635	$448

Orange Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orange Beach AL. For example, the car insurance in Orange Beach after a DUI increases to $768 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Orange Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$925	$154
One Med/PIP claim	$925	$158
One comp claim	$954	$159
Two Med/PIP claims	$954	$162
Not-at-fault accident	$960	$160
Two comp claims	$1004	$171
Driving without lights	$1100	$183
Failure to wear a seat belt	$1112	$189
Failure to show documents	$1117	$186
Child safety restraint	$1123	$191
Cell phone violation	$1140	$190
Driving with expired registration	$1140	$194
Driving too slowly	$1146	$191
Speeding 6 - 10 MPH over limit	$1146	$195
Speeding in school zone	$1146	$191
Texting while driving	$1146	$195
Speeding 11 - 15 MPH over limit	$1157	$193
Wrong way/wrong lane	$1157	$197
Failure to yield	$1163	$194
Following too closely	$1163	$198
Illegal turn	$1163	$194
Speeding 16 - 20 MPH over limit	$1163	$198
Failure to stop at a red light	$1169	$195
Improper passing	$1169	$199
Passing school bus	$1207	$201
Speeding 21 - 25 MPH over limit	$1213	$206
At-fault accident - less than $1000	$1225	$204
In 65 MPH zone	$1242	$211
At-fault accident - $1000-$2000	$1338	$223
Operating a vehicle without permission	$1365	$232
At-fault accident - greater than $2000	$1377	$230
Open container	$1405	$238
Reckless driving	$1557	$259
Driving with a suspended license	$1625	$276
Racing	$1647	$275
Refusal to submit to a chemical test	$1659	$282
DUI	$1693	$282
Leaving scene of an accident/hit and run	$1760	$299

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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 Orange Beach 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 Orange Beach.

The cheapest car insurance premiums in Orange Beach are offered by Cincinnati at $259 for a six-month policy. However, it can be as expensive as $2534 with companies like Farmers.

Orange Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$259	$44
Travelers	$649	$109
Country Financial	$762	$128
Allstate	$1083	$182
Progressive	$1094	$184
USAA	$1174	$198
State Farm	$1230	$207
Auto-Owners	$1631	$275
Nationwide	$3307	$557
Farmers	$2534	$430

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 Orange Beach are offered by Cincinnati at $130. However, it can be as expensive as $2432 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Orange Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$130	$22
Auto-Owners Insurance Co	$248	$42
State Farm	$581	$98
Country Financial	$587	$99
Travelers	$615	$104
USAA	$773	$131
Auto-Owners	$812	$136
Allstate	$1044	$178
Progressive	$1603	$267
Nationwide	$2478	$421
Farmers	$2432	$413

Car Insurance Price Trends in Orange Beach, Alabama

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

The average cost of full coverage in the Orange Beach dipped by $182 in January compared to $188 of December. In other words, there has been an decrease by $6 when you compare January and December.

The average cost of liability insurance in the Orange Beach dipped to $46 in January, compared to $48 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Orange Beach?

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

What is the cheapest car insurance in Orange Beach?

The cheapest car insurance in Orange Beach is $82 per month for full coverage.

How much is car insurance in Orange Beach for teenagers?

Car insurance for teenagers costs $136 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 Orange Beach?

The average cost of car insurance is $973 for a six-month policy. It will cost around $155 per month to insure your car in Orange Beach.

Is car insurance expensive in Orange Beach?

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

Cheapest Car Insurance Quotes in Orange Beach

Why you can trust Way?

How Much Is Car Insurance in Orange Beach

Avg. Car Insurance in Orange Beach

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Orange Beach

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Orange Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Orange Beach, AL

Way's key takeaways about car insurance in Orange Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orange Beach

Cheapest Liability Coverage in Orange Beach, AL

Cheapest Full Coverage Car Insurance in Orange Beach

Cheapest Full Coverage Car Insurance Quotes in Orange Beach, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orange Beach by Rating Factor

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

Car Insurance Premiums by Age in Orange Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orange Beach,AL

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

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 Orange Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Orange Beach

Orange Beach Car Insurance Rates by Violation

Orange Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orange Beach after a DUI

Orange Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orange Beach after Speeding ticket

Car Insurance Price Trends in Orange Beach, Alabama

Average Car Insurance Cost in Orange Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orange Beach, AL

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

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