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Get Cheap Car Insurance in Phil Campbell, AL
We monitor insurance prices, helping the average driver in Phil Campbell save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Phil Campbell
The chart below shows the cheapest car insurance company in Phil Campbell 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.
| Phil Campbell Insurer | Monthly Cost |
|---|---|
| Travelers | $67 |
| Gainsco | $70 |
| State Farm | $74 |
| Safe Auto | $74 |
Savings for Every Kind of Phil Campbell Driver
Based on our extensive insurance data, we know the average Phil Campbell 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 $376 per year by choosing the right vehicle insurance company. Some Phil Campbell residents are paying out over $1,518 extra every year for auto insurance in Phil Campbell. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phil Campbell, AL Savings / Yr. |
|---|---|
$376 |
|
$511 |
|
$479 |
|
$543 |
|
$1,180 |
|
$65 |
|
$321 |
Phil Campbell Car Insurance vs. Alabama
People living in Phil Campbell pay an average of 5.32% less than the typical driver in the state. The average driver in Phil Campbell can expect to pay about $1,002 per year, or $1,518 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Phil Campbell for most people.
Car Insurance Prices by Phil Campbell Neighborhood
Insurance Prices
Where is insurance cheapest within Phil Campbell?
The map shows insurance prices in and around Phil Campbell, 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 $1,570 to a low of $1,463. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the South parts of Phil Campbell.Pick the Best Car Insurance Company for You in Phil Campbell
The best car insurance provider for most drivers in Phil Campbell
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $376 over the average Phil Campbell car insurance company.
The best car insurance provider for Phil Campbell 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 $511 over the competition.
The best car insurance company for Phil Campbell drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $479 better than other car insurance companies.
The best auto insurance for Phil Campbell drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $543 less each year.
The least expensive car insurance company for new and young drivers in Phil Campbell
In Phil Campbell, Travelers costs young drivers $1,180 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phil Campbell
State Farm gave the largest car insurance discounts to married couples, averaging $65 saved each year compared to an average Phil Campbell couple's premiums.
The cheapest car insurance in Phil Campbell for drivers with bad credit
The best Phil Campbell car insurance company for customer service
Nationwide was the best company for customer service in Phil Campbell according to the NAIC.
Recent price drops
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The cheapest large national provider in Phil Campbell
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Phil Campbell 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 Phil Campbell, 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 Phil Campbell
What Influences the Cost of Car Insurance in Phil Campbell?
On average, car insurance in Phil Campbell 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 Phil Campbell is 35 minutes, which is about the national 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 Phil Campbell 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.
- Phil Campbell 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 Phil Campbell is $83 per month for minimum coverage and $126 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
- Isbell: Insurance costs 2.04% less
- Spruce Pine: Insurance costs 0.13% less
- Nix Mill: Insurance costs 0.20% less
- Posey Mill: Insurance costs 0.99% more
- Lumbull: Insurance costs 1.25% more
- Center: Insurance costs 2.70% less
- Rockwood: Insurance costs 0.59% more
- Bear Creek: Insurance costs 0.79% more
- Hackleburg: Insurance costs 2.57% more
- Gravel Hill: Insurance costs 3.95% more
Cities with Similar Populations
- Anacoco: Insurance costs 79.25% more
- Tieton: Insurance costs 13.57% less
- Odem: Insurance costs 11.46% more
- Mission Hills: Insurance costs 3.36% more
- Waskom: Insurance costs 9.03% more
- West End: Insurance costs 19.04% less
- Lakeside Park: Insurance costs 33.99% more
- Krugerville: Insurance costs 7.84% more
- Knoxville: Insurance costs 8.30% less
- Kekaha: Insurance costs 12.78% less