Cheapest Car Insurance Quotes in Irondale

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Irondale Car Insurance

^$ 53

/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 Irondale

The car insurance rate in Irondale is $1457 for a six-month policy, which is $431 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $531, making it a popular choice for budget-conscious drivers. Rates in Irondale 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 Irondale

$1457

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Irondale

1st place: Country Financial

At $531 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $700 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $936 for six months, making it the third cheapest auto insurance company in Irondale.

Irondale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Irondale, GA is Country Financial, offering policies at just $531 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $700.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2041 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Irondale drivers find the best deals.

Cheap Car Insurance Companies in Irondale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$531	$91
Auto-Owners Insurance Co	$700	$116
Farm Bureau	$936	$159
Georgia Farm Bureau	$1030	$172
Auto-Owners	$1501	$253
USAA	$1552	$261
Progressive	$1830	$308
Mercury	$1890	$315
Allstate	$1991	$335
Esurance P&C Ins Co	$2033	$339
State Farm	$2041	$344

Key Takeaways

Way's key takeaways about car insurance in Irondale

The auto insurance costs in Irondale fall around $531 for six months.
The cheapest auto insurance company in Irondale is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Irondale at $1747 per month.

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Cheapest Minimum Liability Car Insurance in Irondale

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 Irondale are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Irondale. Their Average 6 Month Premium is $312. Allstate is the most expensive at $1071 for the same period.

Cheapest Liability Coverage in Irondale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$312	$53
Farm Bureau	$396	$67
Georgia Farm Bureau	$422	$71
Auto-Owners	$506	$85
Mercury	$506	$85
Country Financial	$540	$91
USAA	$565	$95
Progressive	$625	$105
Central Insurance	$657	$109
State Farm	$970	$163
Allstate	$1071	$180

Cheapest Full Coverage Car Insurance in Irondale

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 Irondale is Country Financial at $91 per month and $531 for six months.

Cheapest Full Coverage Car Insurance Quotes in Irondale, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$531	$91
Auto-Owners Insurance Co	$700	$116
Farm Bureau	$936	$159
Georgia Farm Bureau	$1030	$172
Auto-Owners	$1501	$253
USAA	$1552	$261
Progressive	$1830	$308
Mercury	$1890	$315
Allstate	$1991	$335
Esurance P&C Ins Co	$2033	$339
State Farm	$2041	$344

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Average Car Insurance in Irondale 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 Irondale, GA increasing?

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

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

Car Insurance Premiums by Age in Irondale

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$1008
30s	Georgia Farm Bureau	$807
40s	Georgia Farm Bureau	$774
50s	Georgia Farm Bureau	$741
60s	Georgia Farm Bureau	$736
70s	Georgia Farm Bureau	$890

Cheapest Car Insurance Rates for Teen Drivers in Irondale,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Irondale at $74 per month. At $10375 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$447	$74
Mercury	$531	$91
Country Financial	$633	$107
Central Insurance	$657	$112
USAA	$2496	$420
Auto-Owners	$2742	$462
Georgia Farm Bureau	$2860	$477
Farm Bureau	$2986	$508
State Farm	$7397	$1245
Allstate	$7439	$1252
Progressive	$10375	$1747

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Irondale.

As young drivers face the highest rates in Irondale, Georgia Farm Bureau offers the cheapest auto insurance rates at $1008 for six months.

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 Irondale, Country Financial is the cheapest car insurance provider. At $439 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 Irondale is State Farm, offering rates of around $6369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$439	$72
Mercury	$514	$88
Farm Bureau	$936	$156
USAA	$2033	$345
Progressive	$3138	$523
Auto-Owners	$3299	$561
Allstate	$3593	$599
State Farm	$6369	$1083

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Car Insurance Rates with An Accident in Irondale

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 Irondale, GA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Irondale include AutoOwners Insurance Co and Country Financial, offering $464 and $717, respectively. Allstate is an expensive provider with an average six-month premium of $3053.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$77
Country Financial	$717	$121
Encompass	$792	$132
Central Insurance	$869	$148
Farm Bureau	$1030	$172
Georgia Farm Bureau	$1265	$216
Auto-Owners	$1282	$216
USAA	$1375	$231
Progressive	$2539	$427
State Farm	$2573	$433
Allstate	$3053	$514

Irondale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Irondale GA. For example, the car insurance in Irondale after a DUI increases to $1535 for a six month policy. While the rate increases by $481 for a six-month policy in the case of a speeding ticket.

Irondale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1805	$301
One Med/PIP claim	$1805	$307
One comp claim	$1813	$302
Two Med/PIP claims	$1813	$308
Not-at-fault accident	$1822	$304
Two comp claims	$1847	$314
Driving without lights	$2177	$362
Failure to wear a seat belt	$2177	$371
Child safety restraint	$2201	$366
Failure to show documents	$2201	$375
Cell phone violation	$2252	$375
Texting while driving	$2252	$383
Driving too slowly	$2286	$381
Speeding 6 - 10 MPH over limit	$2286	$389
Speeding in school zone	$2286	$381
Speeding 11 - 15 MPH over limit	$2295	$391
Driving with expired registration	$2303	$383
Failure to yield	$2303	$392
Following too closely	$2303	$383
Illegal turn	$2303	$392
Failure to stop at a red light	$2312	$385
Improper passing	$2312	$393
Speeding 16 - 20 MPH over limit	$2312	$385
Wrong way/wrong lane	$2312	$393
Speeding 21 - 25 MPH over limit	$2336	$389
Passing school bus	$2379	$405
In 65 MPH zone	$2387	$398
Open container	$2421	$412
At-fault accident - less than $1000	$2430	$405
Operating a vehicle without permission	$2462	$419
At-fault accident - $1000-$2000	$2648	$442
At-fault accident - greater than $2000	$2665	$453
Refusal to submit to a chemical test	$3121	$520
Reckless driving	$3213	$547
Racing	$3290	$548
Driving with a suspended license	$3299	$561
DUI	$3340	$557
Leaving scene of an accident/hit and run	$3425	$582

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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 Irondale 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 Irondale.

The cheapest car insurance premiums in Irondale are offered by Mercury at $540 for a six-month policy. However, it can be as expensive as $2430 with companies like Progressive.

Irondale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$540	$92
Auto-Owners Insurance Co	$700	$116
Country Financial	$760	$128
Esurance P&C Ins Co	$1047	$175
Auto-Owners	$1670	$281
Farm Bureau	$1813	$302
USAA	$1965	$331
Georgia Farm Bureau	$2033	$339
State Farm	$2201	$371
Allstate	$2327	$392
Progressive	$2430	$409

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 Irondale are offered by AutoOwners Insurance Co at $362. However, it can be as expensive as $2758 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Irondale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$362	$61
Country Financial	$396	$67
Mercury	$565	$97
Farm Bureau	$1030	$172
Auto-Owners	$1257	$213
USAA	$1366	$227
State Farm	$1788	$304
Allstate	$2430	$405
Progressive	$2758	$469

Car Insurance Price Trends in Irondale, Georgia

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

The average cost of full coverage in the Irondale rose by $320 in December compared to $314 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Irondale rose to $102 in December, compared to $97 in November. This represents an increase of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Irondale?

The car insurance in Irondale is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Irondale?

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

How much is car insurance in Irondale for teenagers?

Car insurance for teenagers costs $447 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 Irondale?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $244 per month to insure your car in Irondale.

Is car insurance expensive in Irondale?

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

Cheapest Car Insurance Quotes in Irondale

Why you can trust Way?

How Much Is Car Insurance in Irondale

Avg. Car Insurance in Irondale

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Irondale

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Irondale Car Insurance Rates by Company

Cheap Car Insurance Companies in Irondale, GA

Way's key takeaways about car insurance in Irondale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Irondale

Cheapest Liability Coverage in Irondale, GA

Cheapest Full Coverage Car Insurance in Irondale

Cheapest Full Coverage Car Insurance Quotes in Irondale, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Irondale by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Irondale, GA increasing?

Car Insurance Premiums by Age in Irondale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Irondale,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Irondale.

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 Irondale

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

Irondale Car Insurance Rates by Violation

Irondale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Irondale after a DUI

Irondale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Irondale after Speeding ticket

Car Insurance Price Trends in Irondale, Georgia

Average Car Insurance Cost in Irondale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Irondale, GA

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

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