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Get Cheap Car Insurance in Harrisburg, AL
We monitor insurance prices, helping the average driver in Harrisburg save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Harrisburg
The chart below shows the cheapest car insurance company in Harrisburg for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Harrisburg Insurer | Monthly Cost |
|---|---|
| Travelers | $72 |
| Gainsco | $75 |
| State Farm | $78 |
| Safe Auto | $79 |
Savings for Every Kind of Harrisburg Driver
Based on our extensive insurance data, we know the average Harrisburg driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $400 per year by choosing the right vehicle insurance company. Some Harrisburg residents are paying out over $1,614 extra every year for auto insurance in Harrisburg. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harrisburg, AL Savings / Yr. |
|---|---|
$400 |
|
$544 |
|
$510 |
|
$578 |
|
$1,255 |
|
$69 |
|
$341 |
Harrisburg Car Insurance vs. Alabama
People living in Harrisburg pay an average of 0.72% more than the typical driver in the state. The average driver in Harrisburg can expect to pay about $1,066 per year, or $1,614 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Harrisburg for most people.
Car Insurance Prices by Harrisburg Neighborhood
Insurance Prices
Where is insurance cheapest within Harrisburg?
The map shows insurance prices in and around Harrisburg, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $107 per year within the city boundaries, with insurance premiums ranging from a high of $1,636 to a low of $1,529. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northeast parts of Harrisburg.Pick the Best Car Insurance Company for You in Harrisburg
The best car insurance provider for most drivers in Harrisburg
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $400 over the average Harrisburg car insurance company.
The best car insurance provider for Harrisburg drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $544 over the competition.
The best car insurance company for Harrisburg drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $510 better than other car insurance companies.
The best auto insurance for Harrisburg drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $578 less each year.
The least expensive car insurance company for new and young drivers in Harrisburg
In Harrisburg, Travelers costs young drivers $1,255 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harrisburg
State Farm gave the largest car insurance discounts to married couples, averaging $69 saved each year compared to an average Harrisburg couple's premiums.
The cheapest car insurance in Harrisburg for drivers with bad credit
The best Harrisburg car insurance company for customer service
Nationwide was the best company for customer service in Harrisburg according to the NAIC.
Recent price drops
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The cheapest large national provider in Harrisburg
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Harrisburg driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Harrisburg, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Harrisburg
What Influences the Cost of Car Insurance in Harrisburg?
On average, car insurance in Harrisburg is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Harrisburg is 37 minutes, which is a little more than average for a driver in the state.
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Harrisburg are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Harrisburg is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Harrisburg is $89 per month for minimum coverage and $135 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Ellards: Insurance costs 1.36% more
- Pondville: Insurance costs 1.24% more
- Brent: Insurance costs 2.60% less
- Jericho: Insurance costs 1.92% less
- Fairdale: Insurance costs 4.96% less
- Eoline: Insurance costs 2.42% less
- Centreville: Insurance costs 4.15% less
- Levert: Insurance costs 2.79% less
- Oakmulgee: Insurance costs 2.97% less
- Lawley: Insurance costs 3.66% less
Cities with Similar Populations
- Cade: Insurance costs 3.41% more
- Wallins Corner: Insurance costs 29.68% more
- Voth: Insurance costs 1.43% more
- Verona Mills: Insurance costs 35.19% more
- Vanport: Insurance costs 16.79% less
- Vallscreek: Insurance costs the same
- Twilight: Insurance costs 1.30% more
- Turkey River: Insurance costs 22.43% less
- Turkey City: Insurance costs 15.92% less
- Centertown: Insurance costs 14.62% less