Cheapest Car Insurance Quotes in Rock Mills

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Rock Mills 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 Rock Mills

The car insurance rate in Rock Mills is $992 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $515, making it a popular choice for budget-conscious drivers. Rates in Rock Mills 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 Rock Mills

$992

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Rock Mills

1st place: AutoOwners Insurance Co

At $515 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $715 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $769 for six months, making it the third cheapest auto insurance company in Rock Mills.

Rock Mills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rock Mills, AL is AutoOwners Insurance Co, offering policies at just $515 for a six-month term. This is followed by Travelers, which has an average six-month premium of $715.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rock Mills drivers find the best deals.

Cheap Car Insurance Companies in Rock Mills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$515	$88
Travelers	$715	$120
Cincinnati	$769	$130
Country Financial	$775	$131
State Farm	$775	$131
USAA	$824	$139
Auto-Owners	$836	$141
Allstate	$1042	$175
Progressive	$1175	$198
Nationwide	$1448	$244
Farmers	$2042	$341

Key Takeaways

Way's key takeaways about car insurance in Rock Mills

The auto insurance costs in Rock Mills fall around $515 for six months.
The cheapest auto insurance company in Rock Mills is Cincinnati.
Teen drivers pay the highest rate in Rock Mills at $1110 per month.

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Cheapest Minimum Liability Car Insurance in Rock Mills

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 Rock Mills are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Rock Mills. Their Average 6 Month Premium is $134. Farmers is the most expensive at $775 for the same period.

Cheapest Liability Coverage in Rock Mills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$22
Mercury	$146	$24
Auto-Owners Insurance Co	$231	$39
Travelers	$243	$41
USAA	$243	$41
State Farm	$260	$44
Auto-Owners	$278	$47
Country Financial	$291	$49
Progressive	$375	$63
Allstate	$430	$72
Nationwide	$540	$91
Farmers	$775	$130

Cheapest Full Coverage Car Insurance in Rock Mills

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 Rock Mills is AutoOwners Insurance Co at $88 per month and $515 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rock Mills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$515	$88
Travelers	$715	$120
Cincinnati	$769	$130
Country Financial	$775	$131
State Farm	$775	$131
USAA	$824	$139
Auto-Owners	$836	$141
Allstate	$1042	$175
Progressive	$1175	$198
Nationwide	$1448	$244
Farmers	$2042	$341

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Average Car Insurance in Rock Mills 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 Rock Mills, AL increasing?

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

Car Insurance Premiums by Age in Rock Mills

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 Rock Mills,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Rock Mills at $24 per month. At $6525 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$146	$24
Country Financial	$969	$163
Travelers	$1430	$241
USAA	$1818	$306
State Farm	$2127	$358
Auto-Owners	$2448	$416
Allstate	$3186	$537
Progressive	$5550	$934
Nationwide	$5671	$955
Farmers	$6525	$1110

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 Rock Mills, Cincinnati is the cheapest car insurance provider. At $188 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 Rock Mills is Farmers, offering rates of around $3302 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$188	$32
Country Financial	$758	$128
Travelers	$860	$145
Progressive	$1175	$198
USAA	$1242	$207
Nationwide	$1575	$265
Allstate	$1764	$294
Auto-Owners	$2545	$432
State Farm	$3617	$603
Farmers	$3302	$561

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Car Insurance Rates with An Accident in Rock Mills

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 Rock Mills, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rock Mills

The cheapest car insurance companies after an at-fault accident in Rock Mills include Cincinnati and AutoOwners Insurance Co, offering $206 and $321, respectively. Farmers is an expensive provider with an average six-month premium of $2829.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$206	$35
Auto-Owners Insurance Co	$321	$55
Safeway	$400	$67
Travelers	$569	$96
Country Financial	$600	$101
State Farm	$746	$125
USAA	$849	$143
Auto-Owners	$921	$155
Allstate	$1248	$210
Progressive	$1933	$325
Nationwide	$2636	$444
Farmers	$2829	$481

Rock Mills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rock Mills AL. For example, the car insurance in Rock Mills after a DUI increases to $825 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.

Rock Mills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$993	$165
One Med/PIP claim	$993	$169
One comp claim	$1024	$170
Two Med/PIP claims	$1024	$174
Not-at-fault accident	$1030	$171
Two comp claims	$1078	$184
Driving without lights	$1181	$197
Failure to wear a seat belt	$1193	$203
Failure to show documents	$1200	$200
Child safety restraint	$1206	$205
Cell phone violation	$1224	$204
Driving with expired registration	$1224	$208
Driving too slowly	$1230	$205
Speeding 6 - 10 MPH over limit	$1230	$209
Speeding in school zone	$1230	$205
Texting while driving	$1230	$209
Speeding 11 - 15 MPH over limit	$1242	$207
Wrong way/wrong lane	$1242	$211
Failure to yield	$1248	$208
Following too closely	$1248	$212
Illegal turn	$1248	$208
Speeding 16 - 20 MPH over limit	$1248	$212
Failure to stop at a red light	$1255	$209
Improper passing	$1255	$213
Passing school bus	$1296	$216
Speeding 21 - 25 MPH over limit	$1303	$221
At-fault accident - less than $1000	$1315	$219
In 65 MPH zone	$1333	$226
At-fault accident - $1000-$2000	$1436	$240
Operating a vehicle without permission	$1466	$249
At-fault accident - greater than $2000	$1478	$247
Open container	$1509	$256
Reckless driving	$1672	$278
Driving with a suspended license	$1745	$297
Racing	$1769	$295
Refusal to submit to a chemical test	$1781	$303
DUI	$1818	$303
Leaving scene of an accident/hit and run	$1890	$321

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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 Rock Mills 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 Rock Mills.

The cheapest car insurance premiums in Rock Mills are offered by Cincinnati at $278 for a six-month policy. However, it can be as expensive as $2720 with companies like Farmers.

Rock Mills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$278	$47
Travelers	$697	$117
Country Financial	$818	$138
Allstate	$1163	$196
Progressive	$1175	$198
USAA	$1261	$212
State Farm	$1321	$222
Auto-Owners	$1751	$295
Nationwide	$3551	$598
Farmers	$2720	$462

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 Rock Mills are offered by Cincinnati at $140. However, it can be as expensive as $2611 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rock Mills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$23
Auto-Owners Insurance Co	$266	$45
State Farm	$624	$105
Country Financial	$630	$106
Travelers	$660	$111
USAA	$830	$141
Auto-Owners	$872	$146
Allstate	$1121	$191
Progressive	$1721	$287
Nationwide	$2660	$452
Farmers	$2611	$444

Car Insurance Price Trends in Rock Mills, Alabama

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

The average cost of full coverage in the Rock Mills dipped by $196 in January compared to $202 of December. In other words, there has been an decrease by $6 when you compare January and December.

The average cost of liability insurance in the Rock Mills dipped to $49 in January, compared to $51 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rock Mills?

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

What is the cheapest car insurance in Rock Mills?

The cheapest car insurance in Rock Mills is $88 per month for full coverage.

How much is car insurance in Rock Mills for teenagers?

Car insurance for teenagers costs $146 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 Rock Mills?

The average cost of car insurance is $973 for a six-month policy. It will cost around $166 per month to insure your car in Rock Mills.

Is car insurance expensive in Rock Mills?

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

Cheapest Car Insurance Quotes in Rock Mills

Why you can trust Way?

How Much Is Car Insurance in Rock Mills

Avg. Car Insurance in Rock Mills

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Rock Mills

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Rock Mills Car Insurance Rates by Company

Cheap Car Insurance Companies in Rock Mills, AL

Way's key takeaways about car insurance in Rock Mills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rock Mills

Cheapest Liability Coverage in Rock Mills, AL

Cheapest Full Coverage Car Insurance in Rock Mills

Cheapest Full Coverage Car Insurance Quotes in Rock Mills, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rock Mills by Rating Factor

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

Car Insurance Premiums by Age in Rock Mills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rock Mills,AL

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

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 Rock Mills

Cheapest Car Insurance Companies after an At-Fault Accident in Rock Mills

Rock Mills Car Insurance Rates by Violation

Rock Mills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rock Mills after a DUI

Rock Mills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rock Mills after Speeding ticket

Car Insurance Price Trends in Rock Mills, Alabama

Average Car Insurance Cost in Rock Mills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rock Mills, AL

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

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