Cheapest Car Insurance Quotes in Gadsden

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Gadsden Car Insurance

^$ 35

/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 Gadsden

The car insurance rate in Gadsden is $885 for a six-month policy, which is $132 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Gadsden 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 Gadsden

$885

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Gadsden

1st place: Root Insurance Company

At $408 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $538 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $563 for six months, making it the third cheapest auto insurance company in Gadsden.

Gadsden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gadsden, AZ is Root Insurance Company, offering policies at just $408 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $538.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $946 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gadsden drivers find the best deals.

Cheap Car Insurance Companies in Gadsden, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$408	$70
Auto-Owners Insurance Co	$538	$90
Farmers	$563	$96
Mercury	$579	$97
Hartford	$605	$103
Iowa Farm Bureau	$610	$102
Travelers	$719	$121
USAA	$842	$142
Progressive	$853	$144
State Farm	$868	$146
Auto-Owners	$977	$164
Farm Bureau	$1266	$211
Allstate	$1318	$222
The Hartford	$1318	$222
CSAA	$1757	$298
Nationwide	$946	$157

Key Takeaways

Way's key takeaways about car insurance in Gadsden

The auto insurance costs in Gadsden fall around $408 for six months.
The cheapest auto insurance company in Gadsden is Mercury.
Teen drivers pay the highest rate in Gadsden at $765 per month.

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Cheapest Minimum Liability Car Insurance in Gadsden

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 Gadsden are given below.

Mercury provides the cheapest minimum car insurance coverage in Gadsden. Their Average 6 Month Premium is $207. The Hartford is the most expensive at $532 for the same period.

Cheapest Liability Coverage in Gadsden, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$207	$35
Auto-Owners Insurance Co	$269	$46
Travelers	$269	$45
Country Financial	$274	$47
Root Insurance Company	$279	$46
USAA	$284	$48
Farmers	$295	$49
Auto-Owners	$310	$52
Iowa Farm Bureau	$310	$51
State Farm	$341	$57
Progressive	$351	$59
Allstate	$445	$75
Farm Bureau	$480	$80
The Hartford	$532	$90

Cheapest Full Coverage Car Insurance in Gadsden

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 Gadsden is Root Insurance Company at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gadsden, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$408	$70
Auto-Owners Insurance Co	$538	$90
Farmers	$563	$96
Mercury	$579	$97
Hartford	$605	$103
Iowa Farm Bureau	$610	$102
Travelers	$719	$121
USAA	$842	$142
Progressive	$853	$144
State Farm	$868	$146
Auto-Owners	$977	$164
Farm Bureau	$1266	$211
Allstate	$1318	$222
The Hartford	$1318	$222
CSAA	$1757	$298
Nationwide	$946	$157

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Average Car Insurance in Gadsden 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 Gadsden, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Gadsden, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Gadsden's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Gadsden

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 Gadsden,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Gadsden at $42 per month. At $4589 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$248	$42
Root Insurance Company	$284	$49
Country Financial	$320	$53
Farmers	$362	$62
Auto-Owners Insurance Co	$367	$61
Iowa Farm Bureau	$383	$65
Travelers	$1049	$177
USAA	$1241	$209
State Farm	$1292	$218
Progressive	$2005	$338
Allstate	$2139	$360
Farm Bureau	$3276	$557
Auto-Owners	$3303	$551
The Hartford	$4186	$712
CSAA	$4589	$765

Teen Car Insurance Rates in AZ 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 Gadsden, Mercury is the cheapest car insurance provider. At $238 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 Gadsden is State Farm, offering rates of around $5964 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$238	$40
Root Insurance Company	$357	$61
Country Financial	$383	$64
Farmers	$429	$73
Nationwide	$439	$73
Iowa Farm Bureau	$559	$95
Hartford	$568	$95
Progressive	$900	$151
Travelers	$920	$155
Allstate	$1695	$285
USAA	$1700	$284
Farm Bureau	$2186	$371
The Hartford	$2703	$451
Auto-Owners	$3250	$552
State Farm	$5964	$994

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Car Insurance Rates with An Accident in Gadsden

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 Gadsden, AZ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Gadsden include Root Insurance Company and Country Financial, offering $351 and $357, respectively. CSAA is an expensive provider with an average six-month premium of $2853.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$351	$58
Country Financial	$357	$61
Auto-Owners Insurance Co	$418	$70
Noblr	$589	$100
Travelers	$615	$104
Root	$641	$109
State Farm	$656	$110
General Casualty	$801	$137
USAA	$821	$138
Progressive	$940	$158
Farmers	$1183	$199
Mercury	$1230	$207
Farm Bureau Mutual (IA Group)	$1271	$212
Auto-Owners	$1369	$231
Metromile	$1447	$241
General Agents Group	$1628	$277
Country	$1721	$287
Encompass	$1871	$318
Allstate	$1891	$318
Nationwide	$2011	$342
The Hartford	$2046	$345
Safeway	$2289	$389
Farm Bureau	$2419	$403
Permanent General	$2475	$421
MetLife	$2821	$471
CSAA	$2853	$485

Gadsden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gadsden AZ. For example, the car insurance in Gadsden after a DUI increases to $1049 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Gadsden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1018	$170
One Med/PIP claim	$1018	$173
Not-at-fault accident	$1023	$171
One comp claim	$1065	$181
Two Med/PIP claims	$1065	$177
Two comp claims	$1106	$188
Failure to wear a seat belt	$1163	$194
Child safety restraint	$1209	$205
Driving without lights	$1209	$202
Failure to show documents	$1209	$205
Speeding 6 - 10 MPH over limit	$1230	$205
Driving too slowly	$1276	$217
Speeding 11 - 15 MPH over limit	$1276	$213
Speeding in school zone	$1276	$217
Driving with expired registration	$1287	$215
Speeding 16 - 20 MPH over limit	$1287	$218
Cell phone violation	$1292	$216
Failure to stop at a red light	$1292	$220
Failure to yield	$1292	$216
Following too closely	$1292	$220
Illegal turn	$1292	$216
Texting while driving	$1292	$220
Wrong way/wrong lane	$1292	$216
Improper passing	$1313	$224
Speeding 21 - 25 MPH over limit	$1328	$221
In 65 MPH zone	$1349	$230
Passing school bus	$1364	$227
At-fault accident - less than $1000	$1401	$238
Operating a vehicle without permission	$1473	$245
At-fault accident - $1000-$2000	$1514	$258
At-fault accident - greater than $2000	$1535	$256
Open container	$1612	$274
Reckless driving	$1788	$298
Driving with a suspended license	$1845	$314
DUI	$2067	$345
Refusal to submit to a chemical test	$2067	$351
Racing	$2113	$352
Leaving scene of an accident/hit and run	$2124	$361

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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 Gadsden 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 Gadsden.

The cheapest car insurance premiums in Gadsden are offered by Mercury at $274 for a six-month policy. However, it can be as expensive as $3075 with companies like Farm Bureau.

Gadsden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$274	$45
Root Insurance Company	$310	$53
Country Financial	$388	$64
Hartford	$485	$83
Progressive	$651	$110
Travelers	$724	$122
Farmers	$780	$131
State Farm	$889	$150
USAA	$1255	$211
Nationwide	$1556	$264
Auto-Owners	$2046	$341
The Hartford	$2248	$382
Allstate	$2382	$401
Farm Bureau	$3075	$523

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 Gadsden are offered by AutoOwners Insurance Co at $269. However, it can be as expensive as $2925 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gadsden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$269	$46
Mercury	$295	$49
Country Financial	$320	$55
Root Insurance Company	$351	$58
Farmers	$362	$62
State Farm	$698	$117
Travelers	$775	$131
Progressive	$780	$131
USAA	$1106	$188
Auto-Owners	$1132	$189
Farm Bureau	$1721	$292
The Hartford	$1958	$326
Allstate	$2925	$498

Car Insurance Price Trends in Gadsden, Arizona

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

The average cost of full coverage in the Gadsden rose by $183 in January compared to $105 of December. In other words, there has been an increase by $78 when you compare January and December.

The average cost of liability insurance in the Gadsden rose to $55 in January, compared to $47 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Gadsden?

The car insurance in Gadsden is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Gadsden?

The cheapest car insurance in Gadsden is $70 per month for full coverage.

How much is car insurance in Gadsden for teenagers?

Car insurance for teenagers costs $248 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 Gadsden?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $149 per month to insure your car in Gadsden.

Is car insurance expensive in Gadsden?

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

What is the best car insurance in Gadsden, AZ?

The best car insurance company in Gadsden AZ is Root Insurance Company, offering $408 for a six-month policy.