Cheapest Car Insurance Quotes in Vestavia Hills

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Vestavia Hills 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 Vestavia Hills

The car insurance rate in Vestavia Hills is $1031 for a six-month policy, which is $58 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Vestavia Hills 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 Vestavia Hills

$1031

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Vestavia Hills

1st place: AutoOwners Insurance Co

At $535 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 $743 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $799 for six months, making it the third cheapest auto insurance company in Vestavia Hills.

Vestavia Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vestavia Hills, AL is AutoOwners Insurance Co, offering policies at just $535 for a six-month term. This is followed by Travelers, which has an average six-month premium of $743.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vestavia Hills drivers find the best deals.

Cheap Car Insurance Companies in Vestavia Hills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$91
Travelers	$743	$125
Cincinnati	$799	$135
Country Financial	$806	$136
State Farm	$806	$136
USAA	$856	$144
Auto-Owners	$869	$146
Allstate	$1083	$182
Progressive	$1221	$206
Nationwide	$1505	$253
Farmers	$2122	$354

Key Takeaways

Way's key takeaways about car insurance in Vestavia Hills

The auto insurance costs in Vestavia Hills fall around $535 for six months.
The cheapest auto insurance company in Vestavia Hills is Cincinnati.
Teen drivers pay the highest rate in Vestavia Hills at $1153 per month.

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Cheapest Minimum Liability Car Insurance in Vestavia Hills

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 Vestavia Hills are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Vestavia Hills. Their Average 6 Month Premium is $139. Farmers is the most expensive at $806 for the same period.

Cheapest Liability Coverage in Vestavia Hills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$139	$23
Mercury	$152	$25
Auto-Owners Insurance Co	$240	$40
Travelers	$252	$42
USAA	$252	$42
State Farm	$270	$46
Auto-Owners	$289	$49
Country Financial	$302	$51
Progressive	$390	$66
Allstate	$447	$75
Nationwide	$561	$94
Farmers	$806	$135

Cheapest Full Coverage Car Insurance in Vestavia Hills

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 Vestavia Hills is AutoOwners Insurance Co at $91 per month and $535 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vestavia Hills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$91
Travelers	$743	$125
Cincinnati	$799	$135
Country Financial	$806	$136
State Farm	$806	$136
USAA	$856	$144
Auto-Owners	$869	$146
Allstate	$1083	$182
Progressive	$1221	$206
Nationwide	$1505	$253
Farmers	$2122	$354

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Average Car Insurance in Vestavia Hills 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 Vestavia Hills, AL increasing?

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

Car Insurance Premiums by Age in Vestavia Hills

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 Vestavia Hills,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Vestavia Hills at $25 per month. At $6781 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$152	$25
Country Financial	$1007	$170
Travelers	$1486	$250
USAA	$1889	$318
State Farm	$2210	$372
Auto-Owners	$2544	$432
Allstate	$3311	$558
Progressive	$5767	$971
Nationwide	$5894	$992
Farmers	$6781	$1153

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 Vestavia Hills, Cincinnati is the cheapest car insurance provider. At $195 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 Vestavia Hills is Farmers, offering rates of around $3431 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$195	$33
Country Financial	$788	$133
Travelers	$894	$151
Progressive	$1221	$206
USAA	$1291	$215
Nationwide	$1637	$276
Allstate	$1833	$305
Auto-Owners	$2645	$449
State Farm	$3759	$626
Farmers	$3431	$583

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Car Insurance Rates with An Accident in Vestavia Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Vestavia Hills

The cheapest car insurance companies after an at-fault accident in Vestavia Hills include Cincinnati and AutoOwners Insurance Co, offering $214 and $334, respectively. Farmers is an expensive provider with an average six-month premium of $2940.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$214	$36
Auto-Owners Insurance Co	$334	$57
Safeway	$416	$70
Travelers	$591	$100
Country Financial	$623	$105
State Farm	$775	$130
USAA	$882	$148
Auto-Owners	$957	$161
Allstate	$1297	$218
Progressive	$2009	$338
Nationwide	$2739	$461
Farmers	$2940	$500

Vestavia Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vestavia Hills AL. For example, the car insurance in Vestavia Hills after a DUI increases to $857 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Vestavia Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1032	$176
One comp claim	$1064	$177
Two Med/PIP claims	$1064	$181
Not-at-fault accident	$1071	$178
Two comp claims	$1120	$191
Driving without lights	$1227	$205
Failure to wear a seat belt	$1240	$211
Failure to show documents	$1247	$208
Child safety restraint	$1253	$213
Cell phone violation	$1272	$212
Driving with expired registration	$1272	$216
Driving too slowly	$1278	$213
Speeding 6 - 10 MPH over limit	$1278	$217
Speeding in school zone	$1278	$213
Texting while driving	$1278	$217
Speeding 11 - 15 MPH over limit	$1291	$215
Wrong way/wrong lane	$1291	$219
Failure to yield	$1297	$216
Following too closely	$1297	$220
Illegal turn	$1297	$216
Speeding 16 - 20 MPH over limit	$1297	$220
Failure to stop at a red light	$1304	$217
Improper passing	$1304	$222
Passing school bus	$1347	$225
Speeding 21 - 25 MPH over limit	$1354	$230
At-fault accident - less than $1000	$1366	$228
In 65 MPH zone	$1385	$235
At-fault accident - $1000-$2000	$1492	$249
Operating a vehicle without permission	$1523	$259
At-fault accident - greater than $2000	$1536	$257
Open container	$1568	$266
Reckless driving	$1737	$289
Driving with a suspended license	$1814	$308
Racing	$1838	$306
Refusal to submit to a chemical test	$1851	$315
DUI	$1889	$315
Leaving scene of an accident/hit and run	$1964	$334

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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 Vestavia Hills 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 Vestavia Hills.

The cheapest car insurance premiums in Vestavia Hills are offered by Cincinnati at $289 for a six-month policy. However, it can be as expensive as $2827 with companies like Farmers.

Vestavia Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$289	$49
Travelers	$724	$122
Country Financial	$850	$143
Allstate	$1208	$204
Progressive	$1221	$206
USAA	$1310	$220
State Farm	$1373	$231
Auto-Owners	$1820	$306
Nationwide	$3690	$621
Farmers	$2827	$480

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 Vestavia Hills are offered by Cincinnati at $145. However, it can be as expensive as $2714 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vestavia Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$145	$24
Auto-Owners Insurance Co	$277	$47
State Farm	$649	$109
Country Financial	$655	$110
Travelers	$686	$116
USAA	$863	$146
Auto-Owners	$906	$152
Allstate	$1165	$198
Progressive	$1788	$298
Nationwide	$2764	$470
Farmers	$2714	$461

Car Insurance Price Trends in Vestavia Hills, Alabama

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

The average cost of full coverage in the Vestavia Hills dipped by $204 in January compared to $210 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 Vestavia Hills dipped to $51 in January, compared to $53 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 Vestavia Hills?

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

What is the cheapest car insurance in Vestavia Hills?

The cheapest car insurance in Vestavia Hills is $91 per month for full coverage.

How much is car insurance in Vestavia Hills for teenagers?

Car insurance for teenagers costs $152 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 Vestavia Hills?

The average cost of car insurance is $973 for a six-month policy. It will cost around $173 per month to insure your car in Vestavia Hills.

Is car insurance expensive in Vestavia Hills?

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

Cheapest Car Insurance Quotes in Vestavia Hills

Why you can trust Way?

How Much Is Car Insurance in Vestavia Hills

Avg. Car Insurance in Vestavia Hills

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Vestavia Hills

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Vestavia Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Vestavia Hills, AL

Way's key takeaways about car insurance in Vestavia Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vestavia Hills

Cheapest Liability Coverage in Vestavia Hills, AL

Cheapest Full Coverage Car Insurance in Vestavia Hills

Cheapest Full Coverage Car Insurance Quotes in Vestavia Hills, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vestavia Hills by Rating Factor

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

Car Insurance Premiums by Age in Vestavia Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vestavia Hills,AL

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

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 Vestavia Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Vestavia Hills

Vestavia Hills Car Insurance Rates by Violation

Vestavia Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vestavia Hills after a DUI

Vestavia Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vestavia Hills after Speeding ticket

Car Insurance Price Trends in Vestavia Hills, Alabama

Average Car Insurance Cost in Vestavia Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vestavia Hills, AL

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

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