Cheapest Car Insurance Quotes in Spanish Fort

Finding the cheapest car insurance quotes in Spanish Fort 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

406,175 Policies Sold

Spanish Fort 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 Spanish Fort

The car insurance rate in Spanish Fort is $915 for a six-month policy, which is $58 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 Spanish Fort 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 Spanish Fort

$915

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Spanish Fort

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: Travelers

Travelers offers auto insurance rates at $659 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $709 for six months, making it the third cheapest auto insurance company in Spanish Fort.

Spanish Fort Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spanish Fort, AL is AutoOwners Insurance Co, offering policies at just $475 for a six-month term. This is followed by Travelers, which has an average six-month premium of $659.

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 Spanish Fort drivers find the best deals.

Cheap Car Insurance Companies in Spanish Fort, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$475	$81
Travelers	$659	$111
Cincinnati	$709	$119
Country Financial	$714	$120
State Farm	$714	$120
USAA	$760	$128
Auto-Owners	$771	$130
Allstate	$961	$162
Progressive	$1083	$182
Nationwide	$1335	$225
Farmers	$1882	$314

Key Takeaways

Way's key takeaways about car insurance in Spanish Fort

The auto insurance costs in Spanish Fort fall around $475 for six months.
The cheapest auto insurance company in Spanish Fort is Cincinnati.
Teen drivers pay the highest rate in Spanish Fort at $1023 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 Spanish Fort

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 Spanish Fort are given below.

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

Cheapest Liability Coverage in Spanish Fort, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$123	$21
Mercury	$134	$23
Auto-Owners Insurance Co	$212	$36
Travelers	$224	$38
USAA	$224	$38
State Farm	$240	$40
Auto-Owners	$257	$43
Country Financial	$268	$45
Progressive	$346	$58
Allstate	$397	$67
Nationwide	$497	$84
Farmers	$714	$119

Cheapest Full Coverage Car Insurance in Spanish Fort

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 Spanish Fort is AutoOwners Insurance Co at $81 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spanish Fort, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$475	$81
Travelers	$659	$111
Cincinnati	$709	$119
Country Financial	$714	$120
State Farm	$714	$120
USAA	$760	$128
Auto-Owners	$771	$130
Allstate	$961	$162
Progressive	$1083	$182
Nationwide	$1335	$225
Farmers	$1882	$314

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Spanish Fort Instantly!

Average Car Insurance in Spanish Fort 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 Spanish Fort, AL increasing?

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

Car Insurance Premiums by Age in Spanish Fort

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 Spanish Fort,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Spanish Fort at $23 per month. At $6013 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	$893	$150
Travelers	$1318	$222
USAA	$1675	$282
State Farm	$1960	$330
Auto-Owners	$2256	$384
Allstate	$2937	$494
Progressive	$5115	$861
Nationwide	$5226	$880
Farmers	$6013	$1023

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 Spanish Fort, 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 Spanish Fort is Farmers, offering rates of around $3043 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$173	$29
Country Financial	$698	$118
Travelers	$792	$133
Progressive	$1083	$182
USAA	$1145	$191
Nationwide	$1451	$244
Allstate	$1625	$271
Auto-Owners	$2345	$399
State Farm	$3333	$556
Farmers	$3043	$517

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Spanish Fort.

Car Insurance Rates with An Accident in Spanish Fort

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

Cheapest Car Insurance Companies after an At-Fault Accident in Spanish Fort

The cheapest car insurance companies after an at-fault accident in Spanish Fort 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
Safeway	$368	$62
Travelers	$525	$88
Country Financial	$553	$93
State Farm	$687	$116
USAA	$782	$132
Auto-Owners	$849	$143
Allstate	$1151	$194
Progressive	$1781	$300
Nationwide	$2429	$409
Farmers	$2608	$444

Spanish Fort Car Insurance Rates by Violation

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

Spanish Fort 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

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 Spanish Fort 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 Spanish Fort.

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

Spanish Fort car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$257	$43
Travelers	$642	$108
Country Financial	$754	$127
Allstate	$1072	$180
Progressive	$1083	$182
USAA	$1162	$196
State Farm	$1217	$205
Auto-Owners	$1614	$272
Nationwide	$3272	$551
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 Spanish Fort 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 Spanish Fort after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$129	$22
Auto-Owners Insurance Co	$245	$41
State Farm	$575	$97
Country Financial	$581	$98
Travelers	$608	$102
USAA	$765	$130
Auto-Owners	$804	$134
Allstate	$1033	$176
Progressive	$1586	$264
Nationwide	$2452	$416
Farmers	$2406	$409

Car Insurance Price Trends in Spanish Fort, Alabama

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

The average cost of full coverage in the Spanish Fort dipped by $180 in January compared to $186 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 Spanish Fort dipped to $45 in January, compared to $47 in December. This represents an decrease of $2 when comparing January and December.

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 Spanish Fort?

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

What is the cheapest car insurance in Spanish Fort?

The cheapest car insurance in Spanish Fort is $81 per month for full coverage.

How much is car insurance in Spanish Fort 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 Spanish Fort?

The average cost of car insurance is $973 for a six-month policy. It will cost around $153 per month to insure your car in Spanish Fort.

Is car insurance expensive in Spanish Fort?

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

Cheapest Car Insurance Quotes in Spanish Fort

Why you can trust Way?

How Much Is Car Insurance in Spanish Fort

Avg. Car Insurance in Spanish Fort

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Spanish Fort

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Spanish Fort Car Insurance Rates by Company

Cheap Car Insurance Companies in Spanish Fort, AL

Way's key takeaways about car insurance in Spanish Fort

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spanish Fort

Cheapest Liability Coverage in Spanish Fort, AL

Cheapest Full Coverage Car Insurance in Spanish Fort

Cheapest Full Coverage Car Insurance Quotes in Spanish Fort, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spanish Fort by Rating Factor

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

Car Insurance Premiums by Age in Spanish Fort

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spanish Fort,AL

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

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 Spanish Fort

Cheapest Car Insurance Companies after an At-Fault Accident in Spanish Fort

Spanish Fort Car Insurance Rates by Violation

Spanish Fort auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spanish Fort after a DUI

Spanish Fort car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spanish Fort after Speeding ticket

Car Insurance Price Trends in Spanish Fort, Alabama

Average Car Insurance Cost in Spanish Fort by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spanish Fort, AL

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

Featured Blogs

Data Sources