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Get Cheap Car Insurance in Semmes, AL
We monitor insurance prices, helping the average driver in Semmes save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Semmes
The chart below shows the cheapest car insurance company in Semmes 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.
| Semmes Insurer | Monthly Cost |
|---|---|
| Travelers | $74 |
| Gainsco | $77 |
| State Farm | $81 |
| Safe Auto | $82 |
Savings for Every Kind of Semmes Driver
Based on our extensive insurance data, we know the average Semmes 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 $413 per year by choosing the right vehicle insurance company. Some Semmes residents are paying out over $1,668 extra every year for auto insurance in Semmes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Semmes, AL Savings / Yr. |
|---|---|
$413 |
|
$562 |
|
$527 |
|
$597 |
|
$1,296 |
|
$72 |
|
$353 |
Semmes Car Insurance vs. Alabama
People living in Semmes pay an average of 4.05% more than the typical driver in the state. The average driver in Semmes can expect to pay about $1,101 per year, or $1,668 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Semmes for most people.
Car Insurance Prices by Semmes Neighborhood
Insurance Prices
Where is insurance cheapest within Semmes?
The map shows insurance prices in and around Semmes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $321 per year within the city boundaries, with insurance premiums ranging from a high of $1,847 to a low of $1,526. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Semmes.Pick the Best Car Insurance Company for You in Semmes
The best car insurance provider for most drivers in Semmes
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $413 over the average Semmes car insurance company.
The best car insurance provider for Semmes 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 $562 over the competition.
The best car insurance company for Semmes drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $527 better than other car insurance companies.
The best auto insurance for Semmes drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $597 less each year.
The least expensive car insurance company for new and young drivers in Semmes
In Semmes, Travelers costs young drivers $1,296 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Semmes
State Farm gave the largest car insurance discounts to married couples, averaging $72 saved each year compared to an average Semmes couple's premiums.
The cheapest car insurance in Semmes for drivers with bad credit
The best Semmes car insurance company for customer service
Recent price drops
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The cheapest large national provider in Semmes
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Semmes 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 Semmes, 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 Semmes
What Influences the Cost of Car Insurance in Semmes?
On average, car insurance in Semmes 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 Semmes is 36 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 Semmes are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Semmes is a lightly populated area 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 Semmes is $92 per month for minimum coverage and $139 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
- Eight Mile: Insurance costs 3.30% less
- Wilmer: Insurance costs 7.31% less
- Tanner Williams: Insurance costs 11.27% less
- Mobile: Insurance costs 2.10% more
- Seven Hills: Insurance costs 8.63% less
- Prichard: Insurance costs 8.27% more
- Chickasaw: Insurance costs 3.66% more
- Saraland: Insurance costs 1.74% less
- Moffet: Insurance costs 7.43% less
- Latonia: Insurance costs 0.66% more
Cities with Similar Populations
- Rutland: Insurance costs 28.06% less
- Holly: Insurance costs 76.80% more
- Holly Springs: Insurance costs 9.59% more
- Homewood: Insurance costs 8.51% more
- Hood River: Insurance costs 10.79% less
- Howard: Insurance costs 36.57% less
- Hudson: Insurance costs 6.77% less
- Ionia: Insurance costs 79.62% more
- Radford: Insurance costs 30.46% less
- Rensselaer: Insurance costs 37.29% more