Cheapest Car Insurance Quotes in Pine Level

Finding the cheapest car insurance quotes in Pine Level 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Pine Level 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 Pine Level

The car insurance rate in Pine Level 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 Pine Level 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 Pine Level

$936

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Pine Level

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 Pine Level.

Pine Level Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Level, 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 Pine Level drivers find the best deals.

Cheap Car Insurance Companies in Pine Level, 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 Pine Level

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

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 Pine Level are given below.

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

Cheapest Liability Coverage in Pine Level, 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 Pine Level

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 Pine Level is AutoOwners Insurance Co at $84 per month and $505 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Level, 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

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Pine Level Instantly!

Average Car Insurance in Pine Level 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 Pine Level, AL increasing?

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

Car Insurance Premiums by Age in Pine Level

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Pine Level,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Pine Level 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 Pine Level, 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 Pine Level 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

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Pine Level.

Car Insurance Rates with An Accident in Pine Level

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 Pine Level, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Level

The cheapest car insurance companies after an at-fault accident in Pine Level 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

Pine Level Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Level AL. For example, the car insurance in Pine Level 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.

Pine Level 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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Pine Level 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 Pine Level.

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

Pine Level 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 Pine Level 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 Pine Level 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 Pine Level, Alabama

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

The average cost of full coverage in the Pine Level 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 Pine Level rose to $50 in December, compared to $49 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Pine Level?

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

What is the cheapest car insurance in Pine Level?

The cheapest car insurance in Pine Level is $84 per month for full coverage.

How much is car insurance in Pine Level 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 Pine Level?

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 Pine Level.

Is car insurance expensive in Pine Level?

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

Cheapest Car Insurance Quotes in Pine Level

Why you can trust Way?

How Much Is Car Insurance in Pine Level

Avg. Car Insurance in Pine Level

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Pine Level

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Pine Level Car Insurance Rates by Company

Cheap Car Insurance Companies in Pine Level, AL

Way's key takeaways about car insurance in Pine Level

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pine Level

Cheapest Liability Coverage in Pine Level, AL

Cheapest Full Coverage Car Insurance in Pine Level

Cheapest Full Coverage Car Insurance Quotes in Pine Level, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pine Level by Rating Factor

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

Car Insurance Premiums by Age in Pine Level

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pine Level,AL

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

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 Pine Level

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Level

Pine Level Car Insurance Rates by Violation

Pine Level auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pine Level after a DUI

Pine Level car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pine Level after Speeding ticket

Car Insurance Price Trends in Pine Level, Alabama

Average Car Insurance Cost in Pine Level by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pine Level, AL

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

Featured Blogs

Data Sources