Cheapest Car Insurance Quotes in Paint Rock

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Paint Rock 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 Paint Rock

The car insurance rate in Paint Rock is $992 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $515, making it a popular choice for budget-conscious drivers. Rates in Paint Rock 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 Paint Rock

$992

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Paint Rock

1st place: AutoOwners Insurance Co

At $515 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 $715 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $769 for six months, making it the third cheapest auto insurance company in Paint Rock.

Paint Rock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paint Rock, AL is AutoOwners Insurance Co, offering policies at just $515 for a six-month term. This is followed by Travelers, which has an average six-month premium of $715.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paint Rock drivers find the best deals.

Cheap Car Insurance Companies in Paint Rock, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$515	$88
Travelers	$715	$120
Cincinnati	$769	$130
Country Financial	$775	$131
State Farm	$775	$131
USAA	$824	$139
Auto-Owners	$836	$141
Allstate	$1042	$175
Progressive	$1175	$198
Nationwide	$1448	$244
Farmers	$2042	$341

Key Takeaways

Way's key takeaways about car insurance in Paint Rock

The auto insurance costs in Paint Rock fall around $515 for six months.
The cheapest auto insurance company in Paint Rock is Cincinnati.
Teen drivers pay the highest rate in Paint Rock at $1110 per month.

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Cheapest Minimum Liability Car Insurance in Paint Rock

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 Paint Rock are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Paint Rock. Their Average 6 Month Premium is $134. Farmers is the most expensive at $775 for the same period.

Cheapest Liability Coverage in Paint Rock, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$22
Mercury	$146	$24
Auto-Owners Insurance Co	$231	$39
Travelers	$243	$41
USAA	$243	$41
State Farm	$260	$44
Auto-Owners	$278	$47
Country Financial	$291	$49
Progressive	$375	$63
Allstate	$430	$72
Nationwide	$540	$91
Farmers	$775	$130

Cheapest Full Coverage Car Insurance in Paint Rock

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 Paint Rock is AutoOwners Insurance Co at $88 per month and $515 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paint Rock, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$515	$88
Travelers	$715	$120
Cincinnati	$769	$130
Country Financial	$775	$131
State Farm	$775	$131
USAA	$824	$139
Auto-Owners	$836	$141
Allstate	$1042	$175
Progressive	$1175	$198
Nationwide	$1448	$244
Farmers	$2042	$341

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Average Car Insurance in Paint Rock 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 Paint Rock, AL increasing?

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

Car Insurance Premiums by Age in Paint Rock

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 Paint Rock,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Paint Rock at $24 per month. At $6525 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$146	$24
Country Financial	$969	$163
Travelers	$1430	$241
USAA	$1818	$306
State Farm	$2127	$358
Auto-Owners	$2448	$416
Allstate	$3186	$537
Progressive	$5550	$934
Nationwide	$5671	$955
Farmers	$6525	$1110

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 Paint Rock, Cincinnati is the cheapest car insurance provider. At $188 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 Paint Rock is Farmers, offering rates of around $3302 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$188	$32
Country Financial	$758	$128
Travelers	$860	$145
Progressive	$1175	$198
USAA	$1242	$207
Nationwide	$1575	$265
Allstate	$1764	$294
Auto-Owners	$2545	$432
State Farm	$3617	$603
Farmers	$3302	$561

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Car Insurance Rates with An Accident in Paint Rock

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

Cheapest Car Insurance Companies after an At-Fault Accident in Paint Rock

The cheapest car insurance companies after an at-fault accident in Paint Rock include Cincinnati and AutoOwners Insurance Co, offering $206 and $321, respectively. Farmers is an expensive provider with an average six-month premium of $2829.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$206	$35
Auto-Owners Insurance Co	$321	$55
Safeway	$400	$67
Travelers	$569	$96
Country Financial	$600	$101
State Farm	$746	$125
USAA	$849	$143
Auto-Owners	$921	$155
Allstate	$1248	$210
Progressive	$1933	$325
Nationwide	$2636	$444
Farmers	$2829	$481

Paint Rock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paint Rock AL. For example, the car insurance in Paint Rock after a DUI increases to $825 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Paint Rock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$993	$165
One Med/PIP claim	$993	$169
One comp claim	$1024	$170
Two Med/PIP claims	$1024	$174
Not-at-fault accident	$1030	$171
Two comp claims	$1078	$184
Driving without lights	$1181	$197
Failure to wear a seat belt	$1193	$203
Failure to show documents	$1200	$200
Child safety restraint	$1206	$205
Cell phone violation	$1224	$204
Driving with expired registration	$1224	$208
Driving too slowly	$1230	$205
Speeding 6 - 10 MPH over limit	$1230	$209
Speeding in school zone	$1230	$205
Texting while driving	$1230	$209
Speeding 11 - 15 MPH over limit	$1242	$207
Wrong way/wrong lane	$1242	$211
Failure to yield	$1248	$208
Following too closely	$1248	$212
Illegal turn	$1248	$208
Speeding 16 - 20 MPH over limit	$1248	$212
Failure to stop at a red light	$1255	$209
Improper passing	$1255	$213
Passing school bus	$1296	$216
Speeding 21 - 25 MPH over limit	$1303	$221
At-fault accident - less than $1000	$1315	$219
In 65 MPH zone	$1333	$226
At-fault accident - $1000-$2000	$1436	$240
Operating a vehicle without permission	$1466	$249
At-fault accident - greater than $2000	$1478	$247
Open container	$1509	$256
Reckless driving	$1672	$278
Driving with a suspended license	$1745	$297
Racing	$1769	$295
Refusal to submit to a chemical test	$1781	$303
DUI	$1818	$303
Leaving scene of an accident/hit and run	$1890	$321

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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 Paint Rock 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 Paint Rock.

The cheapest car insurance premiums in Paint Rock are offered by Cincinnati at $278 for a six-month policy. However, it can be as expensive as $2720 with companies like Farmers.

Paint Rock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$278	$47
Travelers	$697	$117
Country Financial	$818	$138
Allstate	$1163	$196
Progressive	$1175	$198
USAA	$1261	$212
State Farm	$1321	$222
Auto-Owners	$1751	$295
Nationwide	$3551	$598
Farmers	$2720	$462

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 Paint Rock are offered by Cincinnati at $140. However, it can be as expensive as $2611 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Paint Rock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$23
Auto-Owners Insurance Co	$266	$45
State Farm	$624	$105
Country Financial	$630	$106
Travelers	$660	$111
USAA	$830	$141
Auto-Owners	$872	$146
Allstate	$1121	$191
Progressive	$1721	$287
Nationwide	$2660	$452
Farmers	$2611	$444

Car Insurance Price Trends in Paint Rock, Alabama

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

The average cost of full coverage in the Paint Rock dipped by $196 in January compared to $202 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 Paint Rock dipped to $49 in January, compared to $51 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 Paint Rock?

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

What is the cheapest car insurance in Paint Rock?

The cheapest car insurance in Paint Rock is $88 per month for full coverage.

How much is car insurance in Paint Rock for teenagers?

Car insurance for teenagers costs $146 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 Paint Rock?

The average cost of car insurance is $973 for a six-month policy. It will cost around $166 per month to insure your car in Paint Rock.

Is car insurance expensive in Paint Rock?

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

Cheapest Car Insurance Quotes in Paint Rock

Why you can trust Way?

How Much Is Car Insurance in Paint Rock

Avg. Car Insurance in Paint Rock

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Paint Rock

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Paint Rock Car Insurance Rates by Company

Cheap Car Insurance Companies in Paint Rock, AL

Way's key takeaways about car insurance in Paint Rock

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Paint Rock

Cheapest Liability Coverage in Paint Rock, AL

Cheapest Full Coverage Car Insurance in Paint Rock

Cheapest Full Coverage Car Insurance Quotes in Paint Rock, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Paint Rock by Rating Factor

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

Car Insurance Premiums by Age in Paint Rock

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Paint Rock,AL

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

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 Paint Rock

Cheapest Car Insurance Companies after an At-Fault Accident in Paint Rock

Paint Rock Car Insurance Rates by Violation

Paint Rock auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Paint Rock after a DUI

Paint Rock car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Paint Rock after Speeding ticket

Car Insurance Price Trends in Paint Rock, Alabama

Average Car Insurance Cost in Paint Rock by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Paint Rock, AL

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

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