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Get Cheap Car Insurance in Piney Grove, AL

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

 

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The Cheapest Minimum Coverage in Piney Grove

The chart below shows the cheapest car insurance company in Piney Grove 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.

 
Piney Grove Insurer Monthly Cost
Travelers $70
Gainsco $73
State Farm $76
Safe Auto $77

Savings for Every Kind of Piney Grove Driver

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

Based on our extensive insurance data, we know the average Piney Grove 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 $388 per year by choosing the right vehicle insurance company. Some Piney Grove residents are paying out over $1,566 extra every year for auto insurance in Piney Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Piney Grove Car Insurance vs. Alabama

People living in Piney Grove pay an average of 2.30% less than the typical driver in the state. The average driver in Piney Grove can expect to pay about $1,034 per year, or $1,566 for full coverage.

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

Car Insurance Prices by Piney Grove Neighborhood

Piney Grove, AL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Piney Grove?

The map shows insurance prices in and around Piney Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1 per year within the city boundaries, with insurance premiums ranging from a high of $1,567 to a low of $1,566. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Piney Grove.

Pick the Best Car Insurance Company for You in Piney Grove

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 Piney Grove insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Piney Grove

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $388 over the average Piney Grove car insurance company.

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We use the average good driver, paying $98 per month, as our baseline for pricing in Piney Grove. 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 Piney Grove drivers with accidents on their records

In Piney Grove getting into an accident will raise premiums an average 36% for a yearly cost of $2,451. That's $885 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 $528 over the competition.

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The best car insurance company for Piney Grove drivers with speeding tickets

>Safe Auto gave the average person with a speeding ticket the most savings, averaging $494 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 Piney Grove, tickets raise premiums on new quotes about $701. If you have a speeding ticket, we recommend State Farm, Travelers, and Safe Auto for savings that beat the average insurance cost of $2,267 per year.

The best auto insurance for Piney Grove drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,659 per year in auto insurance premiums, which was $1,093 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 $561 less each year.

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The least expensive car insurance company for new and young drivers in Piney Grove

In Piney Grove, Travelers costs young drivers $1,217 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 Piney Grove. With an average cost of $5,340 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 Piney Grove

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $150. State Farm, Progressive, and Allstate provided the largest discounts to couples living in Piney Grove.

State Farm gave the largest car insurance discounts to married couples, averaging $67 saved each year compared to an average Piney Grove couple's premiums.

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The cheapest car insurance in Piney Grove for drivers with bad credit

People with poor credit saved an average of $331 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $843 every year. Premiums for people with poor credit were about $2,409 in Piney Grove. 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 Piney Grove car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Piney Grove, 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 Piney Grove.

Nationwide was the best company for customer service in Piney Grove 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 Piney Grove, 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 Piney Grove. 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 Piney Grove

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 9.0% of Piney Grove 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 Piney Grove 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 Piney Grove, 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 Piney Grove

What Influences the Cost of Car Insurance in Piney Grove?

On average, car insurance in Piney Grove 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 Piney Grove is 38 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 Piney Grove are higher 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.
  • Piney Grove has an average population density 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 Piney Grove is $86 per month for minimum coverage and $131 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

Cities with Similar Populations

* Who is the average Piney Grove driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Piney Grove 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.