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 $983 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $530, 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

$983

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Vestavia Hills

1st place: AutoOwners Insurance Co

At $530 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 $692 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $749 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 $530 for a six-month term. This is followed by State Farm, which has an average six-month premium of $692.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2102 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	$530	$88
State Farm	$692	$117
Travelers	$749	$126
Country Financial	$768	$129
Cincinnati	$792	$133
USAA	$817	$138
Auto-Owners	$874	$147
Nationwide	$1104	$188
Allstate	$1122	$189
Progressive	$1266	$213
Farmers	$2102	$351

Key Takeaways

Way's key takeaways about car insurance in Vestavia Hills

The auto insurance costs in Vestavia Hills fall around $530 for six months.
The cheapest auto insurance company in Vestavia Hills is Cincinnati.
Teen drivers pay the highest rate in Vestavia Hills at $1227 per month.

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Save up to $971/yr with our auto insurance quotes

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 $138. Farmers is the most expensive at $798 for the same period.

Cheapest Liability Coverage in Vestavia Hills, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$138	$23
Mercury	$150	$25
Country Financial	$231	$39
Auto-Owners Insurance Co	$237	$40
USAA	$237	$40
State Farm	$244	$41
Travelers	$261	$44
Auto-Owners	$299	$50
Progressive	$424	$71
Nationwide	$449	$75
Allstate	$492	$83
Farmers	$798	$133

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 $88 per month and $530 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	$530	$88
State Farm	$692	$117
Travelers	$749	$126
Country Financial	$768	$129
Cincinnati	$792	$133
USAA	$817	$138
Auto-Owners	$874	$147
Nationwide	$1104	$188
Allstate	$1122	$189
Progressive	$1266	$213
Farmers	$2102	$351

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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 $7291 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$150	$25
Country Financial	$237	$40
Travelers	$1466	$247
USAA	$1778	$299
State Farm	$1852	$312
Auto-Owners	$2826	$481
Allstate	$3649	$614
Nationwide	$4440	$755
Progressive	$6393	$1076
Farmers	$7291	$1227

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 $193 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 $3399 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$193	$33
Country Financial	$331	$57
Nationwide	$449	$75
Travelers	$942	$159
USAA	$1129	$188
Progressive	$1347	$227
Allstate	$2133	$356
State Farm	$2451	$417
Auto-Owners	$2707	$452
Farmers	$3399	$578

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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 $212 and $331, respectively. Farmers is an expensive provider with an average six-month premium of $2913.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$212	$36
Auto-Owners Insurance Co	$331	$57
Country Financial	$331	$56
Safeway	$412	$69
Travelers	$599	$101
State Farm	$668	$112
USAA	$830	$140
Auto-Owners	$885	$149
Allstate	$1404	$236
Progressive	$2039	$343
Nationwide	$2090	$349
Farmers	$2913	$496

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 $848 for a six month policy. While the rate increases by $243 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	$1023	$170
One Med/PIP claim	$1023	$174
One comp claim	$1054	$175
Two Med/PIP claims	$1054	$180
Not-at-fault accident	$1061	$176
Two comp claims	$1110	$189
Driving without lights	$1216	$203
Failure to wear a seat belt	$1229	$209
Failure to show documents	$1235	$206
Child safety restraint	$1241	$211
Cell phone violation	$1260	$210
Driving with expired registration	$1260	$214
Driving too slowly	$1266	$211
Speeding 6 - 10 MPH over limit	$1266	$215
Speeding in school zone	$1266	$211
Texting while driving	$1266	$215
Speeding 11 - 15 MPH over limit	$1279	$213
Wrong way/wrong lane	$1279	$217
Failure to yield	$1285	$214
Following too closely	$1285	$218
Illegal turn	$1285	$214
Speeding 16 - 20 MPH over limit	$1285	$218
Failure to stop at a red light	$1292	$215
Improper passing	$1292	$219
Passing school bus	$1335	$223
Speeding 21 - 25 MPH over limit	$1341	$228
At-fault accident - less than $1000	$1353	$226
In 65 MPH zone	$1372	$233
At-fault accident - $1000-$2000	$1478	$247
Operating a vehicle without permission	$1509	$256
At-fault accident - greater than $2000	$1521	$254
Open container	$1553	$264
Reckless driving	$1721	$287
Driving with a suspended license	$1797	$306
Racing	$1821	$303
Refusal to submit to a chemical test	$1833	$312
DUI	$1871	$312
Leaving scene of an accident/hit and run	$1946	$331

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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 $287 for a six-month policy. However, it can be as expensive as $2800 with companies like Farmers.

Vestavia Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$287	$48
Country Financial	$386	$65
Travelers	$736	$124
State Farm	$1104	$186
USAA	$1235	$208
Allstate	$1303	$219
Progressive	$1309	$221
Auto-Owners	$1659	$279
Nationwide	$2788	$465
Farmers	$2800	$476

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 $144. However, it can be as expensive as $2688 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	$144	$24
Country Financial	$206	$35
Auto-Owners Insurance Co	$274	$46
State Farm	$462	$78
Travelers	$711	$120
USAA	$755	$128
Auto-Owners	$917	$153
Allstate	$1379	$234
Progressive	$1909	$318
Farmers	$2688	$457

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 rose by $208 in December compared to $205 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 Vestavia Hills rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.

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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 $88 per month for full coverage.

How much is car insurance in Vestavia Hills for teenagers?

Car insurance for teenagers costs $150 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 $936 for a six-month policy. It will cost around $165 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: State Farm

3rd place: Travelers

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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