Cheapest Car Insurance Quotes in Valley Grande

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Valley Grande 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 Valley Grande

The car insurance rate in Valley Grande is $973 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $525, making it a popular choice for budget-conscious drivers. Rates in Valley Grande 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 Valley Grande

$973

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Valley Grande

1st place: AutoOwners Insurance Co

At $525 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 $685 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $742 for six months, making it the third cheapest auto insurance company in Valley Grande.

Valley Grande Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valley Grande, AL is AutoOwners Insurance Co, offering policies at just $525 for a six-month term. This is followed by State Farm, which has an average six-month premium of $685.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2082 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valley Grande drivers find the best deals.

Cheap Car Insurance Companies in Valley Grande, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$525	$87
State Farm	$685	$115
Travelers	$742	$125
Country Financial	$760	$128
Cincinnati	$784	$132
USAA	$809	$136
Auto-Owners	$865	$146
Nationwide	$1093	$186
Allstate	$1112	$187
Progressive	$1254	$211
Farmers	$2082	$347

Key Takeaways

Way's key takeaways about car insurance in Valley Grande

The auto insurance costs in Valley Grande fall around $525 for six months.
The cheapest auto insurance company in Valley Grande is Cincinnati.
Teen drivers pay the highest rate in Valley Grande at $1216 per month.

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Cheapest Minimum Liability Car Insurance in Valley Grande

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 Valley Grande are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Valley Grande. Their Average 6 Month Premium is $136. Farmers is the most expensive at $790 for the same period.

Cheapest Liability Coverage in Valley Grande, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$136	$23
Mercury	$149	$25
Country Financial	$229	$38
Auto-Owners Insurance Co	$235	$40
USAA	$235	$40
State Farm	$241	$41
Travelers	$259	$44
Auto-Owners	$296	$50
Progressive	$420	$71
Nationwide	$445	$74
Allstate	$488	$82
Farmers	$790	$132

Cheapest Full Coverage Car Insurance in Valley Grande

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 Valley Grande is AutoOwners Insurance Co at $87 per month and $525 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valley Grande, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$525	$87
State Farm	$685	$115
Travelers	$742	$125
Country Financial	$760	$128
Cincinnati	$784	$132
USAA	$809	$136
Auto-Owners	$865	$146
Nationwide	$1093	$186
Allstate	$1112	$187
Progressive	$1254	$211
Farmers	$2082	$347

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Average Car Insurance in Valley Grande 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 Valley Grande, AL increasing?

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

Car Insurance Premiums by Age in Valley Grande

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 Valley Grande,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Valley Grande at $25 per month. At $7222 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$149	$25
Country Financial	$235	$40
Travelers	$1452	$244
USAA	$1761	$296
State Farm	$1835	$309
Auto-Owners	$2799	$476
Allstate	$3614	$608
Nationwide	$4398	$748
Progressive	$6333	$1066
Farmers	$7222	$1216

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 Valley Grande, Cincinnati is the cheapest car insurance provider. At $191 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 Valley Grande is Farmers, offering rates of around $3366 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$191	$32
Country Financial	$328	$56
Nationwide	$445	$74
Travelers	$933	$157
USAA	$1118	$186
Progressive	$1334	$225
Allstate	$2112	$353
State Farm	$2427	$413
Auto-Owners	$2681	$447
Farmers	$3366	$572

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Car Insurance Rates with An Accident in Valley Grande

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

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Grande

The cheapest car insurance companies after an at-fault accident in Valley Grande include Cincinnati and AutoOwners Insurance Co, offering $210 and $328, respectively. Farmers is an expensive provider with an average six-month premium of $2885.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$210	$35
Auto-Owners Insurance Co	$328	$56
Country Financial	$328	$55
Safeway	$408	$69
Travelers	$593	$100
State Farm	$661	$111
USAA	$822	$138
Auto-Owners	$877	$148
Allstate	$1390	$234
Progressive	$2020	$340
Nationwide	$2070	$345
Farmers	$2885	$491

Valley Grande Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valley Grande AL. For example, the car insurance in Valley Grande after a DUI increases to $840 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Valley Grande auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1013	$168
One Med/PIP claim	$1013	$173
One comp claim	$1044	$174
Two Med/PIP claims	$1044	$178
Not-at-fault accident	$1050	$175
Two comp claims	$1099	$187
Driving without lights	$1204	$201
Failure to wear a seat belt	$1217	$207
Failure to show documents	$1223	$204
Child safety restraint	$1229	$209
Cell phone violation	$1248	$208
Driving with expired registration	$1248	$212
Driving too slowly	$1254	$209
Speeding 6 - 10 MPH over limit	$1254	$213
Speeding in school zone	$1254	$209
Texting while driving	$1254	$213
Speeding 11 - 15 MPH over limit	$1267	$211
Wrong way/wrong lane	$1267	$215
Failure to yield	$1273	$212
Following too closely	$1273	$216
Illegal turn	$1273	$212
Speeding 16 - 20 MPH over limit	$1273	$216
Failure to stop at a red light	$1279	$213
Improper passing	$1279	$217
Passing school bus	$1322	$220
Speeding 21 - 25 MPH over limit	$1328	$226
At-fault accident - less than $1000	$1341	$224
In 65 MPH zone	$1359	$231
At-fault accident - $1000-$2000	$1464	$244
Operating a vehicle without permission	$1494	$254
At-fault accident - greater than $2000	$1507	$252
Open container	$1538	$261
Reckless driving	$1705	$284
Driving with a suspended license	$1779	$303
Racing	$1803	$301
Refusal to submit to a chemical test	$1816	$309
DUI	$1853	$309
Leaving scene of an accident/hit and run	$1927	$328

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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 Valley Grande 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 Valley Grande.

The cheapest car insurance premiums in Valley Grande are offered by Cincinnati at $284 for a six-month policy. However, it can be as expensive as $2774 with companies like Farmers.

Valley Grande car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$284	$48
Country Financial	$383	$64
Travelers	$729	$123
State Farm	$1093	$184
USAA	$1223	$206
Allstate	$1291	$217
Progressive	$1297	$218
Auto-Owners	$1643	$277
Nationwide	$2761	$461
Farmers	$2774	$471

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 Valley Grande are offered by Cincinnati at $142. However, it can be as expensive as $2662 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Valley Grande after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$142	$24
Country Financial	$204	$34
Auto-Owners Insurance Co	$271	$46
State Farm	$458	$77
Travelers	$704	$119
USAA	$748	$127
Auto-Owners	$908	$152
Allstate	$1366	$232
Progressive	$1891	$315
Farmers	$2662	$452

Car Insurance Price Trends in Valley Grande, Alabama

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

The average cost of full coverage in the Valley Grande rose by $206 in December compared to $203 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 Valley Grande rose to $52 in December, compared to $51 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 Valley Grande?

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

What is the cheapest car insurance in Valley Grande?

The cheapest car insurance in Valley Grande is $87 per month for full coverage.

How much is car insurance in Valley Grande for teenagers?

Car insurance for teenagers costs $149 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 Valley Grande?

The average cost of car insurance is $936 for a six-month policy. It will cost around $163 per month to insure your car in Valley Grande.

Is car insurance expensive in Valley Grande?

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

Cheapest Car Insurance Quotes in Valley Grande

Why you can trust Way?

How Much Is Car Insurance in Valley Grande

Avg. Car Insurance in Valley Grande

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Valley Grande

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Valley Grande Car Insurance Rates by Company

Cheap Car Insurance Companies in Valley Grande, AL

Way's key takeaways about car insurance in Valley Grande

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valley Grande

Cheapest Liability Coverage in Valley Grande, AL

Cheapest Full Coverage Car Insurance in Valley Grande

Cheapest Full Coverage Car Insurance Quotes in Valley Grande, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valley Grande by Rating Factor

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

Car Insurance Premiums by Age in Valley Grande

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valley Grande,AL

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

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 Valley Grande

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Grande

Valley Grande Car Insurance Rates by Violation

Valley Grande auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valley Grande after a DUI

Valley Grande car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valley Grande after Speeding ticket

Car Insurance Price Trends in Valley Grande, Alabama

Average Car Insurance Cost in Valley Grande by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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

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