Car insurance in Anniston for an adult with a clean driving record and good insurance score costs $1,383 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Anniston by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Anniston.

Key Highlights
  • Car insurance in Anniston is cheaper than car insurance in Alabama for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Anniston is $1,383 per year or $115 per month.
  • In Anniston, Nationwide offers the cheapest full coverage car insurance at $87 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Anniston, AL?

The average auto insurance rates in Anniston, AL at various coverage levels are listed below:

  • State minimum: $378 per year
  • Liability-only coverage (50/100/50): $526 per year
  • Full coverage (100/300/100): $1,383 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Nationwide$363$495$1,045
Geico$266$375$1,066
USAA$250$338$1,072
Travelers$396$558$1,223
State Farm$426$578$1,507
Allstate$394$505$1,515
Auto-Owners$377$568$1,576
Progressive$423$617$1,670
Farmers$506$704$1,769

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Anniston, AL?

Out of all the carriers available in Anniston, Nationwide offers the cheapest full coverage car insurance at $87 per month.

The second-cheapest car insurance company in Anniston is Geico, offering car insurance at $89 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Nationwide$87
Geico$89
USAA$89
Travelers$102
State Farm$126
Allstate$126
Auto-Owners$131
Progressive$139
Farmers$147

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Anniston, AL?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Alabama is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Anniston, AL

See the average annual premium for drivers with two speeding tickets on their records in Anniston, AL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Nationwide$126
USAA$126
State Farm$138
Geico$144
Allstate$146
Travelers$161
Progressive$213
Farmers$256
Auto-Owners$258

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Anniston, AL

See the average annual premium for a driver convicted of DUI in Anniston, AL in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$138
Travelers$156
Allstate$169
Progressive$172
Nationwide$179
USAA$179
Geico$182
Farmers$226
Auto-Owners$258

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Anniston, AL

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Anniston, AL, by age

Age is a key factor when considering car insurance rates in most cities, including Anniston – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$563
16Auto-Owners$540
16Geico$316
16Farmers$917
16Nationwide$402
16Progressive$936
16State Farm$491
16Travelers$490
16USAA$353
17Allstate$486
17Auto-Owners$475
17Geico$258
17Farmers$811
17Nationwide$386
17Progressive$929
17State Farm$432
17Travelers$382
17USAA$248
18Allstate$407
18Auto-Owners$410
18Geico$217
18Farmers$669
18Nationwide$362
18Progressive$832
18State Farm$381
18Travelers$307
18USAA$204
19Allstate$259
19Auto-Owners$351
19Geico$182
19Farmers$369
19Nationwide$275
19Progressive$421
19State Farm$335
19Travelers$245
19USAA$182
20Allstate$245
20Auto-Owners$310
20Geico$165
20Farmers$336
20Nationwide$239
20Progressive$368
20State Farm$294
20Travelers$210
20USAA$174
21Allstate$198
21Auto-Owners$266
21Geico$137
21Farmers$193
21Nationwide$154
21Progressive$273
21State Farm$250
21Travelers$179
21USAA$136
22Allstate$178
22Auto-Owners$237
22Geico$119
22Farmers$184
22Nationwide$144
22Progressive$238
22State Farm$225
22Travelers$162
22USAA$134
23Allstate$164
23Auto-Owners$212
23Geico$113
23Farmers$170
23Nationwide$129
23Progressive$216
23State Farm$199
23Travelers$147
23USAA$127
24Allstate$149
24Auto-Owners$198
24Geico$106
24Farmers$166
24Nationwide$123
24Progressive$194
24State Farm$183
24Travelers$137
24USAA$122
25Allstate$144
25Auto-Owners$179
25Geico$102
25Farmers$168
25Nationwide$106
25Progressive$172
25State Farm$161
25Travelers$119
25USAA$118
30Allstate$127
30Auto-Owners$133
30Geico$92
30Farmers$158
30Nationwide$93
30Progressive$156
30State Farm$128
30Travelers$115
30USAA$98
35Allstate$126
35Auto-Owners$132
35Geico$90
35Farmers$151
35Nationwide$91
35Progressive$150
35State Farm$126
35Travelers$111
35USAA$93
40Allstate$126
40Auto-Owners$131
40Geico$89
40Farmers$147
40Nationwide$87
40Progressive$139
40State Farm$126
40Travelers$102
40USAA$89
45Allstate$126
45Auto-Owners$129
45Geico$88
45Farmers$139
45Nationwide$84
45Progressive$138
45State Farm$125
45Travelers$101
45USAA$86
50Allstate$125
50Auto-Owners$125
50Geico$85
50Farmers$135
50Nationwide$81
50Progressive$130
50State Farm$123
50Travelers$101
50USAA$84
55Allstate$124
55Auto-Owners$121
55Geico$83
55Farmers$128
55Nationwide$80
55Progressive$125
55State Farm$119
55Travelers$93
55USAA$83
60Allstate$122
60Auto-Owners$122
60Geico$82
60Farmers$127
60Nationwide$79
60Progressive$125
60State Farm$117
60Travelers$94
60USAA$84
65Allstate$129
65Auto-Owners$127
65Geico$81
65Farmers$141
65Nationwide$80
65Progressive$131
65State Farm$116
65Travelers$100
65USAA$87
70Allstate$130
70Auto-Owners$143
70Geico$86
70Farmers$157
70Nationwide$84
70Progressive$147
70State Farm$122
70Travelers$108
70USAA$93
75Allstate$148
75Auto-Owners$161
75Geico$92
75Farmers$176
75Nationwide$93
75Progressive$185
75State Farm$132
75Travelers$121
75USAA$103

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Anniston, AL, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$130
Geico$132
USAA$159
Travelers$174
Allstate$207
Progressive$243
Farmers$264
Auto-Owners$377
State Farm$406

Final thoughts: Car insurance cost in Anniston, AL

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Anniston, AL. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Anniston, Alabama.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.