Cheap Quotes for Andalusia, AL Car Insurance (2021)

Andalusia, Alabama car insurance rates average $285 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Andalusia, AL companies, you can find cheap Andalusia 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

  • Andalusia has an average commute time of 17.3 minutes
  • The cheapest car insurance company in Andalusia is USAA
  • Average car insurance rates in Andalusia, AL after a DUI are $3,895/year

How do the Andalusia, Alabama monthly average car insurance rates of $285/month compare to nearby cities like Montgomery car insurance rates, Huntsville 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 Andalusia, AL.

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

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

What are the minimum Andalusia, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Andalusia, 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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Average Andalusia, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Andalusia, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Andalusia, Alabama

ZIP Code Average Annual Rates
36420 $3,482
36421 $3,505

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Andalusia, 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 $1,900 $1,826 $1,702 $1,738 $6,218 $6,677 $2,167 $2,229
Farmers $2,170 $2,154 $1,940 $2,057 $8,324 $8,565 $2,472 $2,577
GEICO $2,044 $2,012 $1,906 $1,935 $5,184 $5,101 $2,159 $2,021
Liberty Mutual $3,090 $3,341 $2,539 $2,838 $10,919 $12,137 $3,299 $3,523
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,142 $2,022 $1,753 $1,865 $8,567 $9,576 $2,516 $2,686
State Farm $2,524 $2,524 $2,265 $2,265 $7,367 $9,241 $2,844 $3,274
Travelers $1,440 $1,464 $1,346 $1,342 $7,516 $11,764 $1,367 $1,579
USAA $1,223 $1,247 $1,141 $1,125 $3,557 $3,951 $1,589 $1,721

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

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

Annual Car Insurance Rates for Teen Drivers in Andalusia, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,218 $6,677
Farmers $8,324 $8,565
GEICO $5,184 $5,101
Liberty Mutual $10,919 $12,137
Nationwide $4,358 $5,617
Progressive $8,567 $9,576
State Farm $7,367 $9,241
Travelers $7,516 $11,764
USAA $3,557 $3,951

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

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

Annual Car Insurance Rates for Senior Drivers in Andalusia, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,702 $1,738
Farmers $1,940 $2,057
GEICO $1,906 $1,935
Liberty Mutual $2,539 $2,838
Nationwide $1,527 $1,581
Progressive $1,753 $1,865
State Farm $2,265 $2,265
Travelers $1,346 $1,342
USAA $1,141 $1,125

How does coverage level affect Andalusia, 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 Andalusia, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Andalusia, Alabama

Insurance Company Low Medium High
Allstate $2,966 $3,053 $3,153
Farmers $3,582 $3,736 $4,030
GEICO $2,604 $2,783 $2,999
Liberty Mutual $4,991 $5,188 $5,454
Nationwide $2,529 $2,526 $2,589
Progressive $3,539 $3,871 $4,263
State Farm $3,836 $4,031 $4,247
Travelers $3,318 $3,546 $3,567
USAA $1,874 $1,934 $2,025

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

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

Annual Andalusia, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,630 $3,075 $3,581 $2,941
Farmers $3,181 $4,115 $4,013 $3,821
GEICO $1,911 $3,033 $3,672 $2,566
Liberty Mutual $4,088 $5,681 $5,571 $5,503
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,528 $4,408 $3,756 $3,872
State Farm $3,663 $4,496 $3,996 $3,996
Travelers $2,898 $3,042 $4,436 $3,532
USAA $1,498 $1,873 $2,786 $1,621

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

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

Annual Car Insurance Rates After a DUI in Andalusia, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,581
Farmers $4,013
GEICO $3,672
Liberty Mutual $5,571
Nationwide $3,241
Progressive $3,756
State Farm $3,996
Travelers $4,436
USAA $2,786

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

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

Annual Car Insurance Rates by Credit Score in Andalusia, Alabama

Insurance Company Poor Fair Good
Allstate $3,794 $2,959 $2,419
Farmers $4,242 $3,648 $3,457
GEICO $3,556 $2,536 $2,295
Liberty Mutual $7,475 $4,569 $3,589
Nationwide $3,073 $2,400 $2,171
Progressive $4,409 $3,760 $3,503
State Farm $6,541 $3,316 $2,256
Travelers $3,795 $3,288 $3,348
USAA $2,616 $1,700 $1,517

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

Andalusia, 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 Andalusia if you’re financing.

Annual Car Insurance Rates by Commute Length in Andalusia, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,057 $3,057
Farmers $3,782 $3,782
GEICO $2,741 $2,850
Liberty Mutual $5,211 $5,211
Nationwide $2,548 $2,548
Progressive $3,891 $3,891
State Farm $3,942 $4,134
Travelers $3,477 $3,477
USAA $1,856 $2,033

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Who has the cheapest Andalusia, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Andalusia, Alabama

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

What are the top Andalusia, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Andalusia, Alabama

Insurance Company Average Annual Rates
Allstate $3,057
Farmers $3,782
GEICO $2,795
Liberty Mutual $5,211
Nationwide $2,548
Progressive $3,891
State Farm $4,038
Travelers $3,477
USAA $1,944

What factors affect Andalusia, AL car insurance rates?

Why are Andalusia, Alabama car insurance rates different than rates in Montgomery or Huntsville? 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 Andalusia, AL?

FBI statistics show that the Andalusia, Alabama car theft rate is 23 thefts each year. High theft rates can lead to higher than average Andalusia, AL car insurance rates.

How long is the average commute in Andalusia, AL?

More time spent behind the wheel can lead to higher Andalusia, Alabama car insurance rates. In Andalusia, AL, the average commute length is 17.3 minutes.

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Car Insurance Quotes for Andalusia, AL

Shop for affordable Andalusia, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Andalusia, AL car insurance companies.

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