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Get Cheap Car Insurance in Level Plains, AL

We monitor insurance prices, helping the average driver in Level Plains save up to 30.9% on car insurance.

 

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The Cheapest Minimum Coverage in Level Plains

The chart below shows the cheapest car insurance company in Level Plains 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.

 
Level Plains Insurer Monthly Cost
Travelers $62
Gainsco $65
State Farm $68
Safe Auto $69

Savings for Every Kind of Level Plains Driver

The table shows how much the average auto insurance customer in Level Plains might save by following our recommendations.

Based on our extensive insurance data, we know the average Level Plains 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 $348 per year by choosing the right vehicle insurance company. Some Level Plains residents are paying out over $1,404 extra every year for auto insurance in Level Plains. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Level Plains Car Insurance vs. Alabama

People living in Level Plains pay an average of 12.40% less than the typical driver in the state. The average driver in Level Plains can expect to pay about $927 per year, or $1,404 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Level Plains for most people.

Car Insurance Prices by Level Plains Neighborhood

Level Plains, AL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Level Plains?

The map shows insurance prices in and around Level Plains, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $90 per year within the city boundaries, with insurance premiums ranging from a high of $1,452 to a low of $1,362. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Level Plains.

Pick the Best Car Insurance Company for You in Level Plains

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Level Plains insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Level Plains

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $348 over the average Level Plains car insurance company.

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We use the average good driver, paying $88 per month, as our baseline for pricing in Level Plains. Travelers, Safe Auto, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Level Plains drivers with accidents on their records

In Level Plains getting into an accident will raise premiums an average 36% for a yearly cost of $2,198. That's $794 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Safe Auto are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $473 over the competition.

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The best car insurance company for Level Plains drivers with speeding tickets

>Safe Auto gave the average person with a speeding ticket the most savings, averaging $443 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Level Plains, tickets raise premiums on new quotes about $628. If you have a speeding ticket, we recommend State Farm, Travelers, and Safe Auto for savings that beat the average insurance cost of $2,032 per year.

The best auto insurance for Level Plains drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,384 per year in auto insurance premiums, which was $980 more than a driver with no major issues. Allstate, Travelers, and Dairyland penalized their customers the least for a DUI.

Getting a quote from Allstate may cost the average person with a DUI about $503 less each year.

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The least expensive car insurance company for new and young drivers in Level Plains

In Level Plains, Travelers costs young drivers $1,091 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Level Plains. With an average cost of $4,787 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Level Plains

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $135. State Farm, Progressive, and Allstate provided the largest discounts to couples living in Level Plains.

State Farm gave the largest car insurance discounts to married couples, averaging $60 saved each year compared to an average Level Plains couple's premiums.

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The cheapest car insurance in Level Plains for drivers with bad credit

People with poor credit saved an average of $297 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $756 every year. Premiums for people with poor credit were about $2,160 in Level Plains. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Allstate, Travelers, and Gainsco.

The best Level Plains car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Level Plains, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Level Plains.

Nationwide was the best company for customer service in Level Plains according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Level Plains, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Level Plains. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Level Plains

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Level Plains residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Level Plains driver can expect to pay about $101 per month.

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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 Level Plains, 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.
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Auto Insurance Prices in and Around Level Plains

What Influences the Cost of Car Insurance in Level Plains?

On average, car insurance in Level Plains is actually less expensive than the rest of the state. These low 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 Level Plains is 33 minutes, which is a little less 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 Level Plains are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Level Plains is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Level Plains is $77 per month for minimum coverage and $117 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

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* Who is the average Level Plains driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Level Plains with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.