Cheap Quotes for Bay Minette, AL Car Insurance (2021)

Bay Minette, Alabama car insurance rates average $295 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Bay Minette, AL companies, you can find cheap Bay Minette 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 Bay Minette, AL are $295/month
  • Bay Minette has an average commute time of 24.5 minutes
  • The cheapest car insurance company in Bay Minette is USAA

How do the Bay Minette, Alabama monthly average car insurance rates of $295/month compare to nearby cities like Madison car insurance rates, Dothan car insurance rates, and Birmingham car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Bay Minette, AL.

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

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

What are the minimum Bay Minette, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Bay Minette, 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 Bay Minette, AL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bay Minette, 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 $1,909 $1,816 $1,728 $1,761 $6,742 $7,256 $2,132 $2,178
Farmers $2,203 $2,188 $1,968 $2,096 $8,625 $8,873 $2,501 $2,594
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,093 $3,342 $2,536 $2,836 $11,239 $12,498 $3,296 $3,515
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,269 $2,138 $1,860 $1,982 $9,042 $10,100 $2,655 $2,815
State Farm $2,463 $2,463 $2,223 $2,223 $7,338 $9,198 $2,779 $3,198
Travelers $1,741 $1,768 $1,635 $1,628 $9,507 $14,975 $1,643 $1,886
USAA $1,249 $1,267 $1,171 $1,150 $3,709 $4,109 $1,622 $1,752

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

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

Annual Car Insurance Rates for Teen Drivers in Bay Minette, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,742 $7,256
Farmers $8,625 $8,873
GEICO $4,934 $4,812
Liberty Mutual $11,239 $12,498
Nationwide $4,274 $5,478
Progressive $9,042 $10,100
State Farm $7,338 $9,198
Travelers $9,507 $14,975
USAA $3,709 $4,109

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

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

Annual Car Insurance Rates for Senior Drivers in Bay Minette, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,728 $1,761
Farmers $1,968 $2,096
GEICO $1,795 $1,862
Liberty Mutual $2,536 $2,836
Nationwide $1,486 $1,534
Progressive $1,860 $1,982
State Farm $2,223 $2,223
Travelers $1,635 $1,628
USAA $1,171 $1,150

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

Annual Car Insurance Rates by Coverage Level in Bay Minette, Alabama

Insurance Company Low Medium High
Allstate $3,090 $3,186 $3,295
Farmers $3,647 $3,825 $4,171
GEICO $2,395 $2,606 $2,853
Liberty Mutual $5,051 $5,269 $5,564
Nationwide $2,452 $2,462 $2,528
Progressive $3,689 $4,085 $4,549
State Farm $3,769 $3,979 $4,209
Travelers $4,138 $4,435 $4,471
USAA $1,924 $1,991 $2,095

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

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

Annual Bay Minette, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,705 $3,192 $3,801 $3,063
Farmers $3,264 $4,227 $4,125 $3,908
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,150 $5,781 $5,653 $5,594
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,715 $4,648 $3,986 $4,081
State Farm $3,605 $4,451 $3,943 $3,943
Travelers $3,616 $3,794 $5,572 $4,410
USAA $1,543 $1,936 $2,865 $1,669

How does a DUI affect Bay Minette, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Bay Minette, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,801
Farmers $4,125
GEICO $3,520
Liberty Mutual $5,653
Nationwide $3,145
Progressive $3,986
State Farm $3,943
Travelers $5,572
USAA $2,865

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

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

Annual Car Insurance Rates by Credit Score in Bay Minette, Alabama

Insurance Company Poor Fair Good
Allstate $3,936 $3,100 $2,536
Farmers $4,353 $3,743 $3,547
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,589 $4,647 $3,647
Nationwide $2,987 $2,338 $2,118
Progressive $4,653 $3,970 $3,699
State Farm $6,456 $3,273 $2,227
Travelers $4,740 $4,112 $4,192
USAA $2,681 $1,757 $1,572

How does your commute affect Bay Minette, AL car insurance rates?

Bay Minette, 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 Bay Minette if you’re financing.

Annual Car Insurance Rates by Commute Length in Bay Minette, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,190 $3,190
Farmers $3,881 $3,881
GEICO $2,571 $2,665
Liberty Mutual $5,295 $5,295
Nationwide $2,481 $2,481
Progressive $4,108 $4,108
State Farm $3,890 $4,081
Travelers $4,348 $4,348
USAA $1,912 $2,095

Who has the cheapest Bay Minette, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Bay Minette, 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 Bay Minette, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Bay Minette, Alabama

Insurance Company Average Annual Rates
Allstate $3,190
Farmers $3,881
GEICO $2,618
Liberty Mutual $5,295
Nationwide $2,481
Progressive $4,108
State Farm $3,985
Travelers $4,348
USAA $2,004

What factors affect Bay Minette, AL car insurance rates?

Why are Bay Minette, Alabama car insurance rates different than rates in Madison or Dothan? 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 Bay Minette, AL?

FBI statistics show that the Bay Minette, Alabama car theft rate is 19 thefts each year. High theft rates can lead to higher than average Bay Minette, AL car insurance rates.

How long is the average commute in Bay Minette, AL?

More time spent behind the wheel can lead to higher Bay Minette, Alabama car insurance rates. In Bay Minette, AL, the average commute length is 24.5 minutes.

Car Insurance Quotes for Bay Minette, AL

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