Cheapest Car Insurance Quotes in Red Bay

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Red Bay Car Insurance

^$ 21

/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 Red Bay

The car insurance rate in Red Bay is $889 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $480, making it a popular choice for budget-conscious drivers. Rates in Red Bay 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 Red Bay

$889

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Red Bay

1st place: AutoOwners Insurance Co

At $480 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 $626 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $677 for six months, making it the third cheapest auto insurance company in Red Bay.

Red Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Bay, AL is AutoOwners Insurance Co, offering policies at just $480 for a six-month term. This is followed by State Farm, which has an average six-month premium of $626.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1902 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Bay drivers find the best deals.

Cheap Car Insurance Companies in Red Bay, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$480	$80
State Farm	$626	$105
Travelers	$677	$114
Country Financial	$694	$117
Cincinnati	$716	$121
USAA	$739	$124
Auto-Owners	$790	$133
Nationwide	$998	$170
Allstate	$1016	$171
Progressive	$1146	$193
Farmers	$1902	$317

Key Takeaways

Way's key takeaways about car insurance in Red Bay

The auto insurance costs in Red Bay fall around $480 for six months.
The cheapest auto insurance company in Red Bay is Cincinnati.
Teen drivers pay the highest rate in Red Bay at $1111 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Red Bay

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 Red Bay are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Red Bay. Their Average 6 Month Premium is $124. Farmers is the most expensive at $722 for the same period.

Cheapest Liability Coverage in Red Bay, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$124	$21
Mercury	$136	$23
Country Financial	$209	$35
Auto-Owners Insurance Co	$215	$36
USAA	$215	$36
State Farm	$220	$37
Travelers	$237	$40
Auto-Owners	$271	$46
Progressive	$384	$65
Nationwide	$407	$67
Allstate	$446	$75
Farmers	$722	$121

Cheapest Full Coverage Car Insurance in Red Bay

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 Red Bay is AutoOwners Insurance Co at $80 per month and $480 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Bay, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$480	$80
State Farm	$626	$105
Travelers	$677	$114
Country Financial	$694	$117
Cincinnati	$716	$121
USAA	$739	$124
Auto-Owners	$790	$133
Nationwide	$998	$170
Allstate	$1016	$171
Progressive	$1146	$193
Farmers	$1902	$317

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Average Car Insurance in Red Bay 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 Red Bay, AL increasing?

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

Car Insurance Premiums by Age in Red Bay

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 Red Bay,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Red Bay at $23 per month. At $6597 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$136	$23
Country Financial	$215	$36
Travelers	$1326	$223
USAA	$1608	$271
State Farm	$1676	$282
Auto-Owners	$2556	$435
Allstate	$3301	$556
Nationwide	$4018	$683
Progressive	$5785	$974
Farmers	$6597	$1111

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 Red Bay, Cincinnati is the cheapest car insurance provider. At $175 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 Red Bay is Farmers, offering rates of around $3075 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$175	$29
Country Financial	$299	$51
Nationwide	$407	$67
Travelers	$852	$143
USAA	$1021	$170
Progressive	$1219	$205
Allstate	$1929	$322
State Farm	$2217	$377
Auto-Owners	$2449	$409
Farmers	$3075	$523

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Car Insurance Rates with An Accident in Red Bay

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 Red Bay, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Red Bay

The cheapest car insurance companies after an at-fault accident in Red Bay include Cincinnati and AutoOwners Insurance Co, offering $192 and $299, respectively. Farmers is an expensive provider with an average six-month premium of $2635.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$192	$32
Auto-Owners Insurance Co	$299	$51
Country Financial	$299	$50
Safeway	$372	$63
Travelers	$542	$91
State Farm	$604	$102
USAA	$751	$126
Auto-Owners	$801	$135
Allstate	$1270	$214
Progressive	$1845	$311
Nationwide	$1891	$315
Farmers	$2635	$448

Red Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Bay AL. For example, the car insurance in Red Bay after a DUI increases to $768 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Red Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$925	$154
One Med/PIP claim	$925	$158
One comp claim	$954	$159
Two Med/PIP claims	$954	$162
Not-at-fault accident	$960	$160
Two comp claims	$1004	$171
Driving without lights	$1100	$183
Failure to wear a seat belt	$1112	$189
Failure to show documents	$1117	$186
Child safety restraint	$1123	$191
Cell phone violation	$1140	$190
Driving with expired registration	$1140	$194
Driving too slowly	$1146	$191
Speeding 6 - 10 MPH over limit	$1146	$195
Speeding in school zone	$1146	$191
Texting while driving	$1146	$195
Speeding 11 - 15 MPH over limit	$1157	$193
Wrong way/wrong lane	$1157	$197
Failure to yield	$1163	$194
Following too closely	$1163	$198
Illegal turn	$1163	$194
Speeding 16 - 20 MPH over limit	$1163	$198
Failure to stop at a red light	$1169	$195
Improper passing	$1169	$199
Passing school bus	$1207	$201
Speeding 21 - 25 MPH over limit	$1213	$206
At-fault accident - less than $1000	$1225	$204
In 65 MPH zone	$1242	$211
At-fault accident - $1000-$2000	$1338	$223
Operating a vehicle without permission	$1365	$232
At-fault accident - greater than $2000	$1377	$230
Open container	$1405	$238
Reckless driving	$1557	$259
Driving with a suspended license	$1625	$276
Racing	$1647	$275
Refusal to submit to a chemical test	$1659	$282
DUI	$1693	$282
Leaving scene of an accident/hit and run	$1760	$299

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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 Red Bay 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 Red Bay.

The cheapest car insurance premiums in Red Bay are offered by Cincinnati at $259 for a six-month policy. However, it can be as expensive as $2534 with companies like Farmers.

Red Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$259	$44
Country Financial	$350	$59
Travelers	$666	$112
State Farm	$998	$168
USAA	$1117	$188
Allstate	$1179	$199
Progressive	$1185	$200
Auto-Owners	$1501	$253
Nationwide	$2522	$421
Farmers	$2534	$430

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 Red Bay are offered by Cincinnati at $130. However, it can be as expensive as $2432 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Red Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$130	$22
Country Financial	$186	$31
Auto-Owners Insurance Co	$248	$42
State Farm	$418	$70
Travelers	$643	$108
USAA	$683	$116
Auto-Owners	$829	$139
Allstate	$1247	$212
Progressive	$1727	$288
Farmers	$2432	$413

Car Insurance Price Trends in Red Bay, Alabama

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

The average cost of full coverage in the Red Bay rose by $188 in December compared to $185 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 Red Bay rose to $48 in December, compared to $47 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 Red Bay?

The car insurance in Red Bay is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Red Bay?

The cheapest car insurance in Red Bay is $80 per month for full coverage.

How much is car insurance in Red Bay for teenagers?

Car insurance for teenagers costs $136 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 Red Bay?

The average cost of car insurance is $936 for a six-month policy. It will cost around $149 per month to insure your car in Red Bay.

Is car insurance expensive in Red Bay?

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

Cheapest Car Insurance Quotes in Red Bay

Why you can trust Way?

How Much Is Car Insurance in Red Bay

Avg. Car Insurance in Red Bay

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Red Bay

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Red Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Bay, AL

Way's key takeaways about car insurance in Red Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Bay

Cheapest Liability Coverage in Red Bay, AL

Cheapest Full Coverage Car Insurance in Red Bay

Cheapest Full Coverage Car Insurance Quotes in Red Bay, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Bay by Rating Factor

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

Car Insurance Premiums by Age in Red Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Bay,AL

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

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 Red Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Red Bay

Red Bay Car Insurance Rates by Violation

Red Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Bay after a DUI

Red Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Bay after Speeding ticket

Car Insurance Price Trends in Red Bay, Alabama

Average Car Insurance Cost in Red Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Bay, AL

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

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