Cheapest Car Insurance Quotes in Rainbow City

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Rainbow City Car Insurance

^$ 23

/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 Rainbow City

The car insurance rate in Rainbow City is $964 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $520, making it a popular choice for budget-conscious drivers. Rates in Rainbow 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 Rainbow City

$964

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Rainbow City

1st place: AutoOwners Insurance Co

At $520 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 $679 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $734 for six months, making it the third cheapest auto insurance company in Rainbow City.

Rainbow City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rainbow City, AL is AutoOwners Insurance Co, offering policies at just $520 for a six-month term. This is followed by State Farm, which has an average six-month premium of $679.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2062 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rainbow City drivers find the best deals.

Cheap Car Insurance Companies in Rainbow City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$520	$87
State Farm	$679	$114
Travelers	$734	$124
Country Financial	$753	$127
Cincinnati	$777	$131
USAA	$801	$135
Auto-Owners	$857	$144
Nationwide	$1083	$184
Allstate	$1101	$185
Progressive	$1242	$209
Farmers	$2062	$344

Key Takeaways

Way's key takeaways about car insurance in Rainbow City

The auto insurance costs in Rainbow City fall around $520 for six months.
The cheapest auto insurance company in Rainbow City is Cincinnati.
Teen drivers pay the highest rate in Rainbow City at $1204 per month.

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Cheapest Minimum Liability Car Insurance in Rainbow 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 Rainbow City are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Rainbow City. Their Average 6 Month Premium is $135. Farmers is the most expensive at $783 for the same period.

Cheapest Liability Coverage in Rainbow City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$135	$23
Mercury	$147	$25
Country Financial	$227	$38
Auto-Owners Insurance Co	$233	$39
USAA	$233	$39
State Farm	$239	$40
Travelers	$256	$43
Auto-Owners	$294	$49
Progressive	$416	$70
Nationwide	$441	$73
Allstate	$483	$81
Farmers	$783	$131

Cheapest Full Coverage Car Insurance in Rainbow 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 Rainbow City is AutoOwners Insurance Co at $87 per month and $520 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rainbow City, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$520	$87
State Farm	$679	$114
Travelers	$734	$124
Country Financial	$753	$127
Cincinnati	$777	$131
USAA	$801	$135
Auto-Owners	$857	$144
Nationwide	$1083	$184
Allstate	$1101	$185
Progressive	$1242	$209
Farmers	$2062	$344

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Average Car Insurance in Rainbow 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 Rainbow City, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Rainbow 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, Rainbow 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 Rainbow 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 Rainbow City,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Rainbow City at $25 per month. At $7152 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$147	$25
Country Financial	$233	$39
Travelers	$1438	$242
USAA	$1744	$294
State Farm	$1817	$306
Auto-Owners	$2772	$472
Allstate	$3579	$603
Nationwide	$4356	$741
Progressive	$6272	$1056
Farmers	$7152	$1204

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 Rainbow City, Cincinnati is the cheapest car insurance provider. At $190 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 Rainbow City is Farmers, offering rates of around $3334 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$190	$32
Country Financial	$324	$56
Nationwide	$441	$73
Travelers	$924	$156
USAA	$1107	$184
Progressive	$1321	$222
Allstate	$2092	$349
State Farm	$2404	$409
Auto-Owners	$2655	$443
Farmers	$3334	$567

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Car Insurance Rates with An Accident in Rainbow 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 Rainbow City, AL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Rainbow City include Cincinnati and AutoOwners Insurance Co, offering $208 and $324, respectively. Farmers is an expensive provider with an average six-month premium of $2857.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$208	$35
Auto-Owners Insurance Co	$324	$56
Country Financial	$324	$55
Safeway	$404	$68
Travelers	$587	$99
State Farm	$655	$110
USAA	$814	$137
Auto-Owners	$868	$146
Allstate	$1377	$232
Progressive	$2000	$337
Nationwide	$2050	$342
Farmers	$2857	$486

Rainbow City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rainbow City AL. For example, the car insurance in Rainbow City after a DUI increases to $832 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Rainbow City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1003	$167
One Med/PIP claim	$1003	$171
One comp claim	$1034	$172
Two Med/PIP claims	$1034	$176
Not-at-fault accident	$1040	$173
Two comp claims	$1089	$185
Driving without lights	$1193	$199
Failure to wear a seat belt	$1205	$205
Failure to show documents	$1211	$202
Child safety restraint	$1217	$207
Cell phone violation	$1236	$206
Driving with expired registration	$1236	$210
Driving too slowly	$1242	$207
Speeding 6 - 10 MPH over limit	$1242	$211
Speeding in school zone	$1242	$207
Texting while driving	$1242	$211
Speeding 11 - 15 MPH over limit	$1255	$209
Wrong way/wrong lane	$1255	$213
Failure to yield	$1261	$210
Following too closely	$1261	$214
Illegal turn	$1261	$210
Speeding 16 - 20 MPH over limit	$1261	$214
Failure to stop at a red light	$1267	$211
Improper passing	$1267	$215
Passing school bus	$1309	$218
Speeding 21 - 25 MPH over limit	$1315	$224
At-fault accident - less than $1000	$1328	$221
In 65 MPH zone	$1346	$229
At-fault accident - $1000-$2000	$1450	$242
Operating a vehicle without permission	$1480	$251
At-fault accident - greater than $2000	$1492	$249
Open container	$1523	$259
Reckless driving	$1688	$281
Driving with a suspended license	$1762	$300
Racing	$1786	$298
Refusal to submit to a chemical test	$1798	$306
DUI	$1835	$306
Leaving scene of an accident/hit and run	$1909	$324

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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 Rainbow 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 Rainbow City.

The cheapest car insurance premiums in Rainbow City are offered by Cincinnati at $281 for a six-month policy. However, it can be as expensive as $2747 with companies like Farmers.

Rainbow City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$281	$47
Country Financial	$379	$64
Travelers	$722	$122
State Farm	$1083	$182
USAA	$1211	$204
Allstate	$1278	$215
Progressive	$1284	$216
Auto-Owners	$1627	$274
Nationwide	$2735	$456
Farmers	$2747	$467

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 Rainbow City are offered by Cincinnati at $141. However, it can be as expensive as $2637 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rainbow City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$141	$24
Country Financial	$202	$34
Auto-Owners Insurance Co	$269	$45
State Farm	$453	$76
Travelers	$697	$117
USAA	$741	$126
Auto-Owners	$899	$150
Allstate	$1352	$230
Progressive	$1873	$312
Farmers	$2637	$448

Car Insurance Price Trends in Rainbow City, Alabama

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

The average cost of full coverage in the Rainbow City rose by $204 in December compared to $201 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 Rainbow City rose to $52 in December, compared to $50 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Rainbow City?

The car insurance in Rainbow City is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Rainbow City?

The cheapest car insurance in Rainbow City is $87 per month for full coverage.

How much is car insurance in Rainbow City for teenagers?

Car insurance for teenagers costs $147 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 Rainbow City?

The average cost of car insurance is $936 for a six-month policy. It will cost around $162 per month to insure your car in Rainbow City.

Is car insurance expensive in Rainbow City?

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

Cheapest Car Insurance Quotes in Rainbow City

Why you can trust Way?

How Much Is Car Insurance in Rainbow City

Avg. Car Insurance in Rainbow City

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Rainbow City

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Rainbow City Car Insurance Rates by Company

Cheap Car Insurance Companies in Rainbow City, AL

Way's key takeaways about car insurance in Rainbow City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rainbow City

Cheapest Liability Coverage in Rainbow City, AL

Cheapest Full Coverage Car Insurance in Rainbow City

Cheapest Full Coverage Car Insurance Quotes in Rainbow City, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rainbow City by Rating Factor

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

Car Insurance Premiums by Age in Rainbow City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Rainbow City Car Insurance Rates by Violation

Rainbow City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rainbow City after a DUI

Rainbow City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rainbow City after Speeding ticket

Car Insurance Price Trends in Rainbow City, Alabama

Average Car Insurance Cost in Rainbow City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rainbow City, AL

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

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