Cheapest Car Insurance Quotes in Pell City

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Pell City 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 Pell City

The car insurance rate in Pell City is $936 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $505, making it a popular choice for budget-conscious drivers. Rates in Pell City 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 Pell City

$936

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Pell City

1st place: AutoOwners Insurance Co

At $505 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 $659 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $713 for six months, making it the third cheapest auto insurance company in Pell City.

Pell City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pell City, AL is AutoOwners Insurance Co, offering policies at just $505 for a six-month term. This is followed by State Farm, which has an average six-month premium of $659.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pell City drivers find the best deals.

Cheap Car Insurance Companies in Pell City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$505	$84
State Farm	$659	$111
Travelers	$713	$120
Country Financial	$731	$123
Cincinnati	$754	$127
USAA	$778	$131
Auto-Owners	$832	$140
Nationwide	$1051	$179
Allstate	$1069	$180
Progressive	$1206	$203
Farmers	$2002	$334

Key Takeaways

Way's key takeaways about car insurance in Pell City

The auto insurance costs in Pell City fall around $505 for six months.
The cheapest auto insurance company in Pell City is Cincinnati.
Teen drivers pay the highest rate in Pell City at $1169 per month.

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Cheapest Minimum Liability Car Insurance in Pell City

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 Pell City are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Pell City. Their Average 6 Month Premium is $131. Farmers is the most expensive at $760 for the same period.

Cheapest Liability Coverage in Pell City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$131	$22
Mercury	$143	$24
Country Financial	$220	$37
Auto-Owners Insurance Co	$226	$38
USAA	$226	$38
State Farm	$232	$39
Travelers	$249	$42
Auto-Owners	$285	$48
Progressive	$404	$68
Nationwide	$428	$71
Allstate	$469	$79
Farmers	$760	$127

Cheapest Full Coverage Car Insurance in Pell City

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 Pell City is AutoOwners Insurance Co at $84 per month and $505 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pell City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$505	$84
State Farm	$659	$111
Travelers	$713	$120
Country Financial	$731	$123
Cincinnati	$754	$127
USAA	$778	$131
Auto-Owners	$832	$140
Nationwide	$1051	$179
Allstate	$1069	$180
Progressive	$1206	$203
Farmers	$2002	$334

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Average Car Insurance in Pell City 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 Pell City, AL increasing?

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

Car Insurance Premiums by Age in Pell City

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 Pell City,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Pell City at $24 per month. At $6944 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$143	$24
Country Financial	$226	$38
Travelers	$1396	$235
USAA	$1693	$285
State Farm	$1764	$297
Auto-Owners	$2691	$458
Allstate	$3475	$585
Nationwide	$4229	$719
Progressive	$6089	$1025
Farmers	$6944	$1169

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 Pell City, Cincinnati is the cheapest car insurance provider. At $184 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 Pell City is Farmers, offering rates of around $3237 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$184	$31
Country Financial	$315	$54
Nationwide	$428	$71
Travelers	$897	$151
USAA	$1075	$179
Progressive	$1283	$216
Allstate	$2031	$339
State Farm	$2334	$397
Auto-Owners	$2578	$430
Farmers	$3237	$550

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Car Insurance Rates with An Accident in Pell City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pell City

The cheapest car insurance companies after an at-fault accident in Pell City include Cincinnati and AutoOwners Insurance Co, offering $202 and $315, respectively. Farmers is an expensive provider with an average six-month premium of $2774.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$202	$34
Auto-Owners Insurance Co	$315	$54
Country Financial	$315	$53
Safeway	$392	$66
Travelers	$570	$96
State Farm	$636	$107
USAA	$790	$133
Auto-Owners	$843	$142
Allstate	$1337	$225
Progressive	$1942	$327
Nationwide	$1990	$332
Farmers	$2774	$472

Pell City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pell City AL. For example, the car insurance in Pell City after a DUI increases to $808 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Pell City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$974	$162
One Med/PIP claim	$974	$166
One comp claim	$1004	$167
Two Med/PIP claims	$1004	$171
Not-at-fault accident	$1010	$168
Two comp claims	$1057	$180
Driving without lights	$1158	$193
Failure to wear a seat belt	$1170	$199
Failure to show documents	$1176	$196
Child safety restraint	$1182	$201
Cell phone violation	$1200	$200
Driving with expired registration	$1200	$204
Driving too slowly	$1206	$201
Speeding 6 - 10 MPH over limit	$1206	$205
Speeding in school zone	$1206	$201
Texting while driving	$1206	$205
Speeding 11 - 15 MPH over limit	$1218	$203
Wrong way/wrong lane	$1218	$207
Failure to yield	$1224	$204
Following too closely	$1224	$208
Illegal turn	$1224	$204
Speeding 16 - 20 MPH over limit	$1224	$208
Failure to stop at a red light	$1230	$205
Improper passing	$1230	$209
Passing school bus	$1271	$212
Speeding 21 - 25 MPH over limit	$1277	$217
At-fault accident - less than $1000	$1289	$215
In 65 MPH zone	$1307	$222
At-fault accident - $1000-$2000	$1408	$235
Operating a vehicle without permission	$1437	$244
At-fault accident - greater than $2000	$1449	$242
Open container	$1479	$251
Reckless driving	$1639	$273
Driving with a suspended license	$1711	$291
Racing	$1734	$289
Refusal to submit to a chemical test	$1746	$297
DUI	$1782	$297
Leaving scene of an accident/hit and run	$1853	$315

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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 Pell City 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 Pell City.

The cheapest car insurance premiums in Pell City are offered by Cincinnati at $273 for a six-month policy. However, it can be as expensive as $2667 with companies like Farmers.

Pell City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$273	$46
Country Financial	$368	$62
Travelers	$701	$118
State Farm	$1051	$177
USAA	$1176	$198
Allstate	$1241	$209
Progressive	$1247	$210
Auto-Owners	$1580	$266
Nationwide	$2655	$443
Farmers	$2667	$453

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 Pell City are offered by Cincinnati at $137. However, it can be as expensive as $2560 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pell City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$137	$23
Country Financial	$196	$33
Auto-Owners Insurance Co	$261	$44
State Farm	$440	$74
Travelers	$677	$114
USAA	$719	$122
Auto-Owners	$873	$146
Allstate	$1313	$223
Progressive	$1818	$303
Farmers	$2560	$435

Car Insurance Price Trends in Pell City, Alabama

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

The average cost of full coverage in the Pell City rose by $198 in December compared to $195 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 Pell City rose to $50 in December, compared to $49 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 Pell City?

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

What is the cheapest car insurance in Pell City?

The cheapest car insurance in Pell City is $84 per month for full coverage.

How much is car insurance in Pell City for teenagers?

Car insurance for teenagers costs $143 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 Pell City?

The average cost of car insurance is $936 for a six-month policy. It will cost around $157 per month to insure your car in Pell City.

Is car insurance expensive in Pell City?

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

Cheapest Car Insurance Quotes in Pell City

Why you can trust Way?

How Much Is Car Insurance in Pell City

Avg. Car Insurance in Pell City

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Pell City

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Pell City Car Insurance Rates by Company

Cheap Car Insurance Companies in Pell City, AL

Way's key takeaways about car insurance in Pell City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pell City

Cheapest Liability Coverage in Pell City, AL

Cheapest Full Coverage Car Insurance in Pell City

Cheapest Full Coverage Car Insurance Quotes in Pell City, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pell City by Rating Factor

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

Car Insurance Premiums by Age in Pell City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pell City,AL

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

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 Pell City

Cheapest Car Insurance Companies after an At-Fault Accident in Pell City

Pell City Car Insurance Rates by Violation

Pell City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pell City after a DUI

Pell City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pell City after Speeding ticket

Car Insurance Price Trends in Pell City, Alabama

Average Car Insurance Cost in Pell City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pell City, AL

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

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