Cheap Quotes for Alabaster, AL Car Insurance (2021)

Alabaster, Alabama car insurance rates average $311 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Alabaster, AL companies, you can find cheap Alabaster car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Alabaster, AL for senior drivers are $1,947/year
  • Alabaster has an average commute time of 31.7 minutes
  • Average car insurance rates in Alabaster, AL are $311/month

How do the Alabaster, Alabama monthly average car insurance rates of $311/month compare to nearby cities like Huntsville car insurance rates, Montgomery car insurance rates, and Auburn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Alabaster, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Alabaster, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Alabaster, Alabama companies to find the most affordable Alabaster car insurance rates.

Enter your ZIP code above to find cheap Alabaster, AL car insurance quotes today.

What are the minimum Alabaster, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Alabaster, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Alabaster, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Alabaster, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Alabaster, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Alabaster car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alabaster, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,004 $1,907 $1,817 $1,851 $7,054 $7,576 $2,235 $2,282
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,980 $3,216 $2,434 $2,725 $11,332 $12,607 $3,167 $3,364
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,266 $2,112 $1,871 $1,985 $9,842 $10,989 $2,667 $2,873
State Farm $3,115 $3,115 $2,846 $2,846 $9,851 $12,311 $3,531 $4,085
Travelers $1,420 $1,440 $1,341 $1,336 $7,812 $12,363 $1,343 $1,518
USAA $1,393 $1,414 $1,299 $1,273 $4,160 $4,612 $1,816 $1,961

How much do teen drivers pay for car insurance in Alabaster, AL?

Alabaster, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Alabaster car insurance rates from multiple Alabaster, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Alabaster, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,054 $7,576
Farmers $9,571 $9,840
GEICO $5,204 $5,101
Liberty Mutual $11,332 $12,607
Nationwide $4,422 $5,679
Progressive $9,842 $10,989
State Farm $9,851 $12,311
Travelers $7,812 $12,363
USAA $4,160 $4,612

How much do senior drivers pay for car insurance in Alabaster, AL?

With a little research, seniors can find affordable car insurance in Alabaster, Alabama. Here’s a look at how the top Alabaster car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Alabaster, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,817 $1,851
Farmers $2,170 $2,311
GEICO $1,878 $1,947
Liberty Mutual $2,434 $2,725
Nationwide $1,532 $1,583
Progressive $1,871 $1,985
State Farm $2,846 $2,846
Travelers $1,341 $1,336
USAA $1,299 $1,273

How does coverage level affect Alabaster, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Alabaster, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Alabaster, Alabama

Insurance Company Low Medium High
Allstate $3,219 $3,335 $3,468
Farmers $4,039 $4,235 $4,605
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,976 $5,202 $5,506
Nationwide $2,541 $2,546 $2,611
Progressive $3,893 $4,313 $4,771
State Farm $4,906 $5,208 $5,523
Travelers $3,367 $3,643 $3,705
USAA $2,164 $2,230 $2,330

How does your driving record affect Alabaster, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Alabaster, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Alabaster, Alabama companies.

Annual Alabaster, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,834 $3,345 $3,977 $3,208
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $4,099 $5,719 $5,572 $5,522
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $3,891 $4,935 $4,218 $4,260
State Farm $4,676 $5,868 $5,153 $5,153
Travelers $2,975 $3,120 $4,575 $3,617
USAA $1,722 $2,162 $3,217 $1,864

How does a DUI affect Alabaster, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Alabaster, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Alabaster, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,977
Farmers $4,565
GEICO $3,711
Liberty Mutual $5,572
Nationwide $3,259
Progressive $4,218
State Farm $5,153
Travelers $4,575
USAA $3,217

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How does your credit history affect Alabaster, AL car insurance rates?

Take a look at the data here to see how your Alabaster, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Alabaster, Alabama

Insurance Company Poor Fair Good
Allstate $4,123 $3,245 $2,655
Farmers $4,806 $4,145 $3,927
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,465 $4,605 $3,614
Nationwide $3,092 $2,418 $2,189
Progressive $4,847 $4,195 $3,935
State Farm $8,463 $4,275 $2,899
Travelers $3,891 $3,379 $3,445
USAA $3,016 $1,959 $1,748

How does your commute affect Alabaster, AL car insurance rates?

Alabaster, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Alabaster if you’re financing.

Annual Car Insurance Rates by Commute Length in Alabaster, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,341 $3,341
Farmers $4,293 $4,293
GEICO $2,707 $2,804
Liberty Mutual $5,228 $5,228
Nationwide $2,566 $2,566
Progressive $4,326 $4,326
State Farm $5,084 $5,341
Travelers $3,572 $3,572
USAA $2,138 $2,344

Who has the cheapest Alabaster, AL car insurance rates?

Here’s a breakdown of Alabaster, Alabama car insurance rates by company. You can see which company offers the cheapest Alabaster car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Alabaster, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Alabaster, AL car insurance companies?

Which Alabaster, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Alabaster companies to find the one for you.

Average Annual Car Insurance Rates by Company in Alabaster, Alabama

Insurance Company Average Annual Rates
Allstate $3,341
Farmers $4,293
GEICO $2,755
Liberty Mutual $5,228
Nationwide $2,566
Progressive $4,326
State Farm $5,212
Travelers $3,572
USAA $2,241

What factors affect Alabaster, AL car insurance rates?

Why are Alabaster, Alabama car insurance rates different than rates in Huntsville or Montgomery? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Alabaster, AL?

FBI statistics show that the Alabaster, Alabama car theft rate is 26 thefts each year. High theft rates can lead to higher than average Alabaster, AL car insurance rates.

How long is the average commute in Alabaster, AL?

More time spent behind the wheel can lead to higher Alabaster, Alabama car insurance rates. In Alabaster, AL, the average commute length is 31.7 minutes.

Car Insurance Quotes for Alabaster, AL

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