Cheapest car insurance companies in Calhoun City
Nationwide and Travelers offer the cheapest car insurance rates in Calhoun City for 2023, according to a study by Insurance.com.
Nationwide offers the cheapest car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. for Calhoun City drivers at an annual rate of $1,447 a year, on average.
Car insurance prices in Calhoun City can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Calhoun City drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $1,240 |
| Nationwide | $1,447 |
| Travelers | $1,598 |
| State Farm | $1,659 |
| Geico | $1,838 |
| Southern Farm Bureau | $1,863 |
| Progressive | $2,119 |
| Allstate | $2,292 |
| Shelter Insurance | $2,463 |
| Safeway Insurance | $3,122 |
Cheapest car insurance cost in Calhoun City by Age Group
Southern Farm Bureau stands out as Calhoun City's cheapest auto insurance company for teen drivers at an average annual of $3,317. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Calhoun City, at $1,884 a year for a full coverage policy.
Drivers in Calhoun City stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,254 a year.
USAA tops the list in terms of affordability for senior drivers in Calhoun City. With an average annual premium of $1,285, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Southern Farm Bureau | $3,317 | $2,546 | $1,889 | $1,692 |
| USAA | $3,892 | $1,884 | $1,254 | $1,285 |
| State Farm | $4,256 | $2,592 | $1,659 | $1,547 |
| Nationwide | $4,401 | $2,231 | $1,443 | $1,336 |
| Travelers | $4,806 | $2,430 | $1,625 | $1,566 |
| Geico | $6,128 | $3,218 | $1,822 | $2,225 |
| Shelter Insurance | $6,608 | $4,422 | $2,566 | $2,276 |
| Allstate | $8,433 | $3,577 | $2,273 | $2,286 |
| Safeway Insurance | $8,837 | $4,782 | $3,115 | $3,079 |
| Progressive | $8,989 | $3,250 | $2,138 | $1,901 |
Cheapest car insurance companies in Calhoun City by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Calhoun City. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
Finding the cheapest car insurance in Calhoun City requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Calhoun City drivers based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Drivers in Calhoun City with poor credit can get the cheapest car insurance from Geico at an average cost of $1,525 a year, according to a data study by Insurance.com.
Drivers with poor or bad credit scores in Calhoun City can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,525 |
| USAA | $1,837 |
| Nationwide | $1,872 |
| Travelers | $2,338 |
| Progressive | $2,468 |
| Allstate | $2,937 |
| State Farm | $6,352 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Calhoun City. Its full coverage car insurance policy costs an average of $1,181 per year for drivers aged 30.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,181 |
| State Farm | $1,343 |
| Nationwide | $1,623 |
| Geico | $1,630 |
| Progressive | $1,891 |
| Travelers | $2,001 |
| Allstate | $2,047 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Calhoun City with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,471 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,471 |
| USAA | $1,561 |
| Nationwide | $1,847 |
| Travelers | $2,020 |
| Geico | $2,257 |
| Progressive | $2,523 |
| Allstate | $2,880 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Calhoun City for drivers with a DUI, with an average annual premium of $1,343.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,343 |
| USAA | $1,803 |
| Progressive | $2,110 |
| Travelers | $2,453 |
| Nationwide | $2,594 |
| Allstate | $2,792 |
| Geico | $6,565 |
Average car insurance cost in Calhoun City
In Calhoun City, the average annual cost for full coverage car insurance is around $1,964, which breaks down to approximately $164 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Calhoun City is about $412.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $1,964 | $412 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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