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Finding the cheapest car insurance quotes in Pansey shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Pansey
The car insurance rate in Pansey is $861 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $465, making it a popular choice for budget-conscious drivers. Rates in Pansey 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.
At $465 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 $606 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $656
for six months, making it
the third cheapest auto insurance company in Pansey.
Pansey Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pansey, AL is AutoOwners Insurance Co, offering policies at just $465 for a six-month term. This is followed by State Farm, which has an average six-month premium of $606.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pansey drivers find the best deals.
The auto insurance costs in Pansey fall around $465 for six
months.
The cheapest auto insurance company in Pansey is Cincinnati.
Teen drivers pay the highest rate in Pansey at $1075 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 Pansey
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 Pansey are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Pansey. Their Average 6 Month Premium is $121.
Farmers is the most
expensive at $699 for the same
period.
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 Pansey is AutoOwners Insurance Co
at $77 per month and $465
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pansey,
AL
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 Pansey, AL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pansey, 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, Pansey's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pansey
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Pansey,AL
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Pansey at $22
per
month. At $6388 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Pansey.
As young drivers face the highest rates in Pansey, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Pansey,
Cincinnati is
the cheapest car insurance provider. At $169 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
Pansey is Farmers, offering
rates of around $2978 for six
months.
Save up to $971/yr on car insurance rates in Pansey.
Car Insurance Rates with An Accident in Pansey
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 Pansey, AL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pansey
The cheapest car insurance companies after an at-fault accident in
Pansey include Cincinnati
and AutoOwners Insurance Co, offering $186
and $290,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2552.
Here is a list of driving violations that can increase your car
insurance rates in Pansey AL. For example, the car
insurance in Pansey
after a DUI increases to $743 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
Pansey auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$896
$149
One Med/PIP claim
$896
$153
One comp claim
$924
$154
Two Med/PIP claims
$924
$157
Not-at-fault accident
$929
$155
Two comp claims
$972
$166
Driving without lights
$1065
$178
Failure to wear a seat belt
$1076
$183
Failure to show documents
$1082
$180
Child safety restraint
$1087
$185
Cell phone violation
$1104
$184
Driving with expired registration
$1104
$188
Driving too slowly
$1110
$185
Speeding 6 - 10 MPH over limit
$1110
$189
Speeding in school zone
$1110
$185
Texting while driving
$1110
$189
Speeding 11 - 15 MPH over limit
$1121
$187
Wrong way/wrong lane
$1121
$190
Failure to yield
$1126
$188
Following too closely
$1126
$191
Illegal turn
$1126
$188
Speeding 16 - 20 MPH over limit
$1126
$191
Failure to stop at a red light
$1132
$189
Improper passing
$1132
$192
Passing school bus
$1169
$195
Speeding 21 - 25 MPH over limit
$1175
$200
At-fault accident - less than $1000
$1186
$198
In 65 MPH zone
$1202
$204
At-fault accident - $1000-$2000
$1295
$216
Operating a vehicle without permission
$1322
$224
At-fault accident - greater than $2000
$1333
$223
Open container
$1361
$231
Reckless driving
$1508
$251
Driving with a suspended license
$1574
$268
Racing
$1595
$266
Refusal to submit to a chemical test
$1606
$273
DUI
$1639
$273
Leaving scene of an accident/hit and run
$1705
$290
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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 Pansey 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 Pansey.
The cheapest car insurance premiums in
Pansey are
offered by Cincinnati at $251 for a six-month policy.
However, it can be as
expensive as $2454 with companies
like Farmers.
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 Pansey are offered by Cincinnati
at $126. However,
it can be as expensive as $2355
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Pansey after Speeding ticket
Car insurance rates in Pansey have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pansey rose by
$182 in December
compared to $179 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 Pansey rose to $46 in December,
compared to $45 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pansey. At $1722 for a
six-month policy, insuring
your car at 36370 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Pansey?
The car insurance in Pansey is $20 per month, which is lower than the national average.
What is the cheapest car insurance in Pansey?
The cheapest car insurance in Pansey
is $77 per month
for full coverage.
How much is car insurance in Pansey for teenagers?
Car insurance for teenagers costs $132 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
Pansey?
The average cost of car insurance is $936 for a six-month
policy. It will cost around $144 per month to insure your
car in Pansey.
Is car insurance expensive in Pansey?
Car insurance can be expensive in Pansey if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pansey can be
affordable.
What is the best car insurance in Pansey,
AL?
The best car insurance company in Pansey
AL is
AutoOwners Insurance Co, offering $465 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pansey, AL
Car Insurance Rates by State in the USA (2025 Update)
Pansey Car Insurance
