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Cheapest car insurance in Piedmont, Alabama (Nov 2024)
Cheapest car insurance in Piedmont, Alabama (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Piedmont, Alabama.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- Best car insurance companies in Piedmont
- How to find the cheapest car insurance in Piedmont
- Best cheap car insurance quotes in Piedmont
- Average cost of car insurance in Piedmont
- Car insurance quotes in Piedmont by rating factors
- How do different factors impact your car insurance costs in Piedmont?
- Cheap car insurance quotes in Piedmont for drivers with poor credit
- How to lower car insurance costs in Piedmont
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Piedmont
There’s no “one-size-fits-all” policy when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing car insurance quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.
Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: While big-name carriers like GEICO and State Farm in Piedmont, AL got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Piedmont rate different companies on a scale of 0 to 5, and their average annual costs for both full and state minimum coverage.
Insurance Company | Overall Jerry rating | Average annual cost for full coverage | Average annual cost for minimum coverage |
|---|---|---|---|
4.5 | $1,571 | $542 | |
4.5 | $1,566 | $753 | |
3.5 | $1,100 | $570 | |
3.8 | $1,109 | $387 | |
4.5 | $1,245 | $422 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Progressive
Progressive
Overall Jerry rating in Alabama: 4.2
JD Power customer satisfaction: 814
AM Best financial strength: A+
Progressive is one of the longest-standing insurance companies out there. They offer policyholders plenty of coverage options and have 24/7 customer service standing by. They did score higher than average for number of complaints, but Jerry users rated them highly for both customer service and the claims process.
Read More
Real 5-star customer reviews:
“The best company. They’re understanding and take the time to work things out with you.” - Denzel, AL
“I used the Jerry app switched insurance and now I'm saving over $40 a month.” - Brian, AL
“Not only are my rates still the lowest but customer service is A+! I don't have to recheck my rates every six months to know that Progressive is making sure my family and I are taken care of. Their app is so easy to navigate. Not once have I had an issue pulling up my cards at a moment's notice. It's a huge weight lifted knowing all my documents are available right there at my fingertips.” - Angelica, AL
Safeco
Safeco
Overall Jerry rating in Alabama: 4.5
JD Power customer satisfaction: 809
AM Best financial strength: A
Safeco makes car insurance easy with their wide selection of coverage options, highly rated customer support, and low rates. They also offer policyholders a wide range of bundling options, which helps save even more. Though some clients reported a hairy claims process, Jerry users voted Safeco 3.9 for their claims experience, and 4.3 for customer satisfaction.
Read More
Real customer reviews:
“I had a wonderful experience choosing my carrier and coverages, Jerry made everything smooth and easy!” - Shkoda, AL
“No major issues so far!” - Ben, AL
“Awesome.” - Ryan, AL
National General
National General
Overall Jerry rating in Alabama: 3.5
JD Power customer satisfaction: 793
AM Best financial strength: A-
National General may have had some rough patches with their customer service, but they still come in hot with affordable coverage for high-risk motorists and a large selection of discounts. They also make it easy to pay online or over the phone.
Read More
Real 5-star customer reviews:
“I’ve been very pleased thus far with my insurance quotes for the upcoming 5 months. I really am impressed how the National General continues to work on my insurance quotes day in and day out to get me the best rate they can. It really shows they care!!” - Blair, AL
“Great rates! Cheapest provider for me!” - Brandon, AL
“Best insurance and they are fast and reliable.” Billy Heath, AL
GEICO
GEICO
Overall Jerry rating in Alabama: 3.8
JD Power customer satisfaction: 836
AM Best financial strength: A++
NAIC complaint index (June 2023): Slightly higher than average
GEICO is one of the oldest and most affordable insurance providers around. They have a wide selection of coverage options and discounts, and consistently come in with high customer service ratings. While they don’t offer gap insurance or rideshare coverage, GEICO is still a trusted name people turn to time and again.
Read More
State Farm
State Farm
Overall Jerry rating in Alabama: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
Being such a large insurance provider, State Farm has a lot to offer their customers. Policyholders have the flexibility to sift through a healthy amount of coverage options so they can build the policy that’s best for them, all from a wide selection of local insurance agents. Though they scored a good number of complaints, State Farm in Piedmont, AL still scored high for customer satisfaction.
Read More
Real 5-star customer review:
“Excellent”
How to find the cheapest car insurance in Piedmont
On average,
auto insurance
in Piedmont costs about $67 per month for minimum coverage liability insurance, and about $162 per month for full coverage insurance. In Piedmont drivers pay -- than the national average. Smart car insurance shoppers in Piedmont, Alabama come to Jerry every month, because Jerry makes it easy for customers to
compare and buy car insurance quotes
. Below are some cheapest car insurance quotes Jerry found for our Piedmont customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| National General | $141 | Tom, 29 Zip: 36272 | Nissan Titan LE | • State Minimum Liability |
Last Updated Nov 24, 2024Best cheap car insurance quotes in Piedmont
Alabama has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Piedmont and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Piedmont
In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.
Your insurance provider must insure you for at least $25,000 of
bodily injury liability
per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability
coverage per accident. No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.
Here are some examples of Piedmont car owners that Jerry recently assisted with obtaining minimum liability coverage.
Allie (29 years old)
$136
per month
Do you need more than minimum coverage in Piedmont?
Most drivers in Piedmont need higher liability coverage than the 25/50/25 state minimum mandated by
Alabama car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over these minimum limits—especially if there are serious injuries. Additionally, if someone else’s car is totaled and you’re liable, the cost to replace it could quite possibly be more than $40,000—which is well beyond that $25,000 minimum.
For better financial protection: Consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Piedmont
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car.Full coverage includes comprehensive and collision coverage:
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
Keep in mind: If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Take a look at these recent examples of cheapest Piedmont full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $156 | Ivan, 29 Zip: 36272 | Honda Pilot EXL |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $94 | Mary, 25 Zip: 36272 | Honda CR-V EXL |
• State Minimum Liability • Comp / Collision | The General | $139 | Larry, 62 Zip: 36272 | Nissan Sentra S |
• State Minimum Liability • Comp / Collision | Trexis | $121 | Mamie, 36 Zip: 36272 | Honda Pilot EXL |
Last Updated Nov 18, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Piedmont
By helping lots of drivers in Piedmont find car insurance, we found that the average cost for minimum liability coverage is $67 per month or $808 per year. The average cost for full coverage insurance in Piedmont is $162 per month or $1,941 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.
Car insurance quotes in Piedmont by rating factors
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
How do different factors impact your car insurance costs in Piedmont?
How do different factors impact your car insurance costs in Piedmont?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Alabama currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Piedmont:
Cheap car insurance quotes in Piedmont after driving violations
Your
Alabama driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Piedmont after speeding ticket
In Piedmont, a speeding ticket could increase your car insurance. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
Last Updated Nov 24, 2024Cheapest car insurance in Piedmont after DUI
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Piedmont drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Piedmont after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Piedmont drivers, car accidents could result in an average rate increase of.
Alabama is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Piedmont drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Assurance America | $120 | Marvin, 35 Zip: 36272 | Infiniti QX60 | • State Minimum Liability • Comp / Collision |
Not At Fault | Progressive | $146 | Lottie, 36 Zip: 36272 | Honda Accord Sport | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Assurance America | $120 | Dora, 35 Zip: 36272 | Infiniti QX60 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheapest car insurance in Piedmont after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Piedmont.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Careless Driving | Assurance America | $252 | Sallie, 24 Zip: 36272 | Honda Civic EXL | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Piedmont by age
Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Piedmont for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Piedmont. For teen car owners who drive newer cars, full coverage would afford better financial protection, as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.
Gainsco
Manuel (23 years old)
$235
per month
Cheapest car insurance in Piedmont for senior drivers
Car insurance rates start to rise once you get into your mid-70s.
Car insurance rates for seniors
tend to be higher due to several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Piedmont based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Isabel (36 years old)
$146
per month
Lilly (39 years old)
$146
per month
Sarah (33 years old)
$140
per month
Sara (33 years old)
$140
per month
Isabel (39 years old)
$146
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I love actually being able to afford insurance every month and not having to worry about it.
Michele
Just signed up and it was easy. No complaints so far!
Jenny
Great!
Beatrice
So far so good, haven't had any issues!
Annasette
Cheap car insurance quotes in Piedmont for drivers with poor credit
A high credit score tells car insurance companies you have a history of paying your bills. And because insurance providers are allergic to risk, they’re usually happy to throw lower rates your way.
However, you’re not out of luck with a low credit score. To help you deal with the higher rates that drivers with poor credit typically find, Jerry partners with numerous companies who work with Alabama drivers with a credit score of 550 or less.
Take a look at the table below to see how drivers with low credit saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $146 | Earl, 36 Zip: 36272 | Honda Accord Sport | • State Minimum Liability • Comp / Collision |
< 550 | Assurance America | $213 | Jeremy, 42 Zip: 36272 | Nissan Altima S | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Piedmont for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Piedmont include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic EXL | Assurance America | $252 | Duane, 24 Zip: 36272 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024How to lower car insurance costs in Piedmont
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Piedmont?
People living in Piedmont pay on average $67 per month – or $808 per year – on state-minimum liability coverage. Full coverage in Piedmont costs on average $162 per month or $1,941 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Piedmont?
Based on thousands of Piedmont drivers Jerry has worked with, car insurance in Piedmont costs an average of$67 per month for state-minimum coverage and $162 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Piedmont?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Clear Cover, Embark General, and
Liberty Mutual
receive good ratings from Piedmont drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Piedmont, Alabama?
The state-minimum car insurance in Piedmont, Alabama is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as {25/50/25} coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.