Cheapest Car Insurance Quotes in Russellville

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Russellville 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 Russellville

The car insurance rate in Russellville is $880 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Russellville 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 Russellville

$880

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Russellville

1st place: AutoOwners Insurance Co

At $475 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 $619 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $670 for six months, making it the third cheapest auto insurance company in Russellville.

Russellville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Russellville, AL is AutoOwners Insurance Co, offering policies at just $475 for a six-month term. This is followed by State Farm, which has an average six-month premium of $619.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1882 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Russellville drivers find the best deals.

Cheap Car Insurance Companies in Russellville, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$475	$79
State Farm	$619	$104
Travelers	$670	$113
Country Financial	$687	$116
Cincinnati	$709	$119
USAA	$731	$123
Auto-Owners	$782	$132
Nationwide	$988	$168
Allstate	$1005	$169
Progressive	$1134	$191
Farmers	$1882	$314

Key Takeaways

Way's key takeaways about car insurance in Russellville

The auto insurance costs in Russellville fall around $475 for six months.
The cheapest auto insurance company in Russellville is Cincinnati.
Teen drivers pay the highest rate in Russellville at $1099 per month.

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Cheapest Minimum Liability Car Insurance in Russellville

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 Russellville are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Russellville. Their Average 6 Month Premium is $123. Farmers is the most expensive at $714 for the same period.

Cheapest Liability Coverage in Russellville, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$123	$21
Mercury	$134	$23
Country Financial	$207	$35
Auto-Owners Insurance Co	$212	$36
USAA	$212	$36
State Farm	$218	$37
Travelers	$234	$39
Auto-Owners	$268	$45
Progressive	$380	$64
Nationwide	$402	$67
Allstate	$441	$74
Farmers	$714	$119

Cheapest Full Coverage Car Insurance in Russellville

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 Russellville is AutoOwners Insurance Co at $79 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Russellville, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$475	$79
State Farm	$619	$104
Travelers	$670	$113
Country Financial	$687	$116
Cincinnati	$709	$119
USAA	$731	$123
Auto-Owners	$782	$132
Nationwide	$988	$168
Allstate	$1005	$169
Progressive	$1134	$191
Farmers	$1882	$314

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Average Car Insurance in Russellville 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 Russellville, AL increasing?

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

Car Insurance Premiums by Age in Russellville

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 Russellville,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Russellville at $23 per month. At $6527 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$23
Country Financial	$212	$36
Travelers	$1312	$221
USAA	$1591	$268
State Farm	$1658	$279
Auto-Owners	$2530	$431
Allstate	$3267	$550
Nationwide	$3975	$676
Progressive	$5724	$964
Farmers	$6527	$1099

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 Russellville, Cincinnati is the cheapest car insurance provider. At $173 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 Russellville is Farmers, offering rates of around $3043 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Country Financial	$296	$51
Nationwide	$402	$67
Travelers	$843	$142
USAA	$1010	$168
Progressive	$1206	$203
Allstate	$1909	$319
State Farm	$2194	$373
Auto-Owners	$2423	$404
Farmers	$3043	$517

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Car Insurance Rates with An Accident in Russellville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Russellville

The cheapest car insurance companies after an at-fault accident in Russellville include Cincinnati and AutoOwners Insurance Co, offering $190 and $296, respectively. Farmers is an expensive provider with an average six-month premium of $2608.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$190	$32
Auto-Owners Insurance Co	$296	$51
Country Financial	$296	$50
Safeway	$368	$62
Travelers	$536	$90
State Farm	$598	$101
USAA	$743	$125
Auto-Owners	$792	$133
Allstate	$1257	$212
Progressive	$1825	$307
Nationwide	$1871	$312
Farmers	$2608	$444

Russellville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Russellville AL. For example, the car insurance in Russellville after a DUI increases to $759 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Russellville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$916	$152
One Med/PIP claim	$916	$156
One comp claim	$944	$157
Two Med/PIP claims	$944	$161
Not-at-fault accident	$949	$158
Two comp claims	$994	$169
Driving without lights	$1089	$181
Failure to wear a seat belt	$1100	$187
Failure to show documents	$1105	$184
Child safety restraint	$1111	$189
Cell phone violation	$1128	$188
Driving with expired registration	$1128	$192
Driving too slowly	$1134	$189
Speeding 6 - 10 MPH over limit	$1134	$193
Speeding in school zone	$1134	$189
Texting while driving	$1134	$193
Speeding 11 - 15 MPH over limit	$1145	$191
Wrong way/wrong lane	$1145	$195
Failure to yield	$1151	$192
Following too closely	$1151	$196
Illegal turn	$1151	$192
Speeding 16 - 20 MPH over limit	$1151	$196
Failure to stop at a red light	$1156	$193
Improper passing	$1156	$196
Passing school bus	$1195	$199
Speeding 21 - 25 MPH over limit	$1200	$204
At-fault accident - less than $1000	$1212	$202
In 65 MPH zone	$1229	$209
At-fault accident - $1000-$2000	$1324	$221
Operating a vehicle without permission	$1351	$229
At-fault accident - greater than $2000	$1362	$227
Open container	$1390	$236
Reckless driving	$1541	$257
Driving with a suspended license	$1608	$274
Racing	$1630	$272
Refusal to submit to a chemical test	$1641	$279
DUI	$1675	$279
Leaving scene of an accident/hit and run	$1742	$296

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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 Russellville 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 Russellville.

The cheapest car insurance premiums in Russellville are offered by Cincinnati at $257 for a six-month policy. However, it can be as expensive as $2507 with companies like Farmers.

Russellville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$257	$43
Country Financial	$346	$58
Travelers	$659	$111
State Farm	$988	$166
USAA	$1105	$186
Allstate	$1167	$196
Progressive	$1172	$197
Auto-Owners	$1485	$250
Nationwide	$2496	$416
Farmers	$2507	$426

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 Russellville are offered by Cincinnati at $129. However, it can be as expensive as $2406 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Russellville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$129	$22
Country Financial	$184	$31
Auto-Owners Insurance Co	$245	$41
State Farm	$414	$70
Travelers	$636	$107
USAA	$676	$115
Auto-Owners	$821	$137
Allstate	$1234	$210
Progressive	$1709	$285
Farmers	$2406	$409

Car Insurance Price Trends in Russellville, Alabama

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

The average cost of full coverage in the Russellville rose by $186 in December compared to $183 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 Russellville rose to $47 in December, compared to $46 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 Russellville?

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

What is the cheapest car insurance in Russellville?

The cheapest car insurance in Russellville is $79 per month for full coverage.

How much is car insurance in Russellville for teenagers?

Car insurance for teenagers costs $134 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 Russellville?

The average cost of car insurance is $936 for a six-month policy. It will cost around $148 per month to insure your car in Russellville.

Is car insurance expensive in Russellville?

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

Cheapest Car Insurance Quotes in Russellville

Why you can trust Way?

How Much Is Car Insurance in Russellville

Avg. Car Insurance in Russellville

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Russellville

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Russellville Car Insurance Rates by Company

Cheap Car Insurance Companies in Russellville, AL

Way's key takeaways about car insurance in Russellville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Russellville

Cheapest Liability Coverage in Russellville, AL

Cheapest Full Coverage Car Insurance in Russellville

Cheapest Full Coverage Car Insurance Quotes in Russellville, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Russellville by Rating Factor

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

Car Insurance Premiums by Age in Russellville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Russellville,AL

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

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 Russellville

Cheapest Car Insurance Companies after an At-Fault Accident in Russellville

Russellville Car Insurance Rates by Violation

Russellville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Russellville after a DUI

Russellville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Russellville after Speeding ticket

Car Insurance Price Trends in Russellville, Alabama

Average Car Insurance Cost in Russellville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Russellville, AL

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

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