Cheap Quotes for Calera, AL Car Insurance (2021)

Calera, Alabama car insurance rates average $302 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Calera, AL companies, you can find cheap Calera 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 Calera, AL are $302/month
  • The cheapest car insurance company in Calera is USAA
  • Average car insurance rates in Calera, AL after a DUI are $4,119/year

How do the Calera, Alabama monthly average car insurance rates of $302/month compare to nearby cities like Tuscaloosa car insurance rates, Huntsville car insurance rates, and Mobile car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Calera, AL.

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

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

What are the minimum Calera, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Calera, 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 $2,034 $1,938 $1,841 $1,876 $7,101 $7,627 $2,275 $2,325
Farmers $2,389 $2,367 $2,133 $2,267 $9,311 $9,575 $2,721 $2,829
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,878 $3,106 $2,361 $2,640 $10,717 $11,912 $3,057 $3,246
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,405 $2,247 $1,976 $2,112 $10,026 $11,182 $2,808 $2,983
State Farm $3,001 $3,001 $2,729 $2,729 $9,354 $11,682 $3,398 $3,941
Travelers $1,234 $1,252 $1,166 $1,160 $6,551 $10,254 $1,174 $1,330
USAA $1,376 $1,398 $1,284 $1,260 $4,111 $4,560 $1,796 $1,940

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

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

Annual Car Insurance Rates for Teen Drivers in Calera, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,101 $7,627
Farmers $9,311 $9,575
GEICO $5,204 $5,101
Liberty Mutual $10,717 $11,912
Nationwide $4,422 $5,679
Progressive $10,026 $11,182
State Farm $9,354 $11,682
Travelers $6,551 $10,254
USAA $4,111 $4,560

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

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

Annual Car Insurance Rates for Senior Drivers in Calera, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,876
Farmers $2,133 $2,267
GEICO $1,878 $1,947
Liberty Mutual $2,361 $2,640
Nationwide $1,532 $1,583
Progressive $1,976 $2,112
State Farm $2,729 $2,729
Travelers $1,166 $1,160
USAA $1,284 $1,260

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

Annual Car Insurance Rates by Coverage Level in Calera, Alabama

Insurance Company Low Medium High
Allstate $3,255 $3,372 $3,505
Farmers $3,968 $4,146 $4,483
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,756 $4,966 $5,247
Nationwide $2,541 $2,546 $2,611
Progressive $3,971 $4,444 $4,987
State Farm $4,709 $4,974 $5,255
Travelers $2,862 $3,075 $3,109
USAA $2,138 $2,204 $2,305

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

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

Annual Calera, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,869 $3,384 $4,013 $3,243
Farmers $3,528 $4,573 $4,460 $4,235
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $3,913 $5,454 $5,321 $5,269
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $4,024 $5,077 $4,352 $4,416
State Farm $4,476 $5,594 $4,923 $4,923
Travelers $2,513 $2,636 $3,855 $3,056
USAA $1,703 $2,137 $3,180 $1,842

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

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

Annual Car Insurance Rates After a DUI in Calera, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,013
Farmers $4,460
GEICO $3,711
Liberty Mutual $5,321
Nationwide $3,259
Progressive $4,352
State Farm $4,923
Travelers $3,855
USAA $3,180

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

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

Annual Car Insurance Rates by Credit Score in Calera, Alabama

Insurance Company Poor Fair Good
Allstate $4,170 $3,279 $2,682
Farmers $4,704 $4,053 $3,840
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,127 $4,392 $3,449
Nationwide $3,092 $2,418 $2,189
Progressive $5,030 $4,327 $4,046
State Farm $8,081 $4,085 $2,771
Travelers $3,287 $2,852 $2,906
USAA $2,980 $1,938 $1,729

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

Calera, 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 Calera if you’re financing.

Annual Car Insurance Rates by Commute Length in Calera, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $3,377
Farmers $4,199 $4,199
GEICO $2,707 $2,804
Liberty Mutual $4,989 $4,989
Nationwide $2,566 $2,566
Progressive $4,467 $4,467
State Farm $4,859 $5,099
Travelers $3,015 $3,015
USAA $2,114 $2,317

Who has the cheapest Calera, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Calera, Alabama

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

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What are the top Calera, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Calera, Alabama

Insurance Company Average Annual Rates
Allstate $3,377
Farmers $4,199
GEICO $2,755
Liberty Mutual $4,989
Nationwide $2,566
Progressive $4,467
State Farm $4,979
Travelers $3,015
USAA $2,216

What factors affect Calera, AL car insurance rates?

Why are Calera, Alabama car insurance rates different than rates in Tuscaloosa 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 Calera, AL?

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

How long is the average commute in Calera, AL?

More time spent behind the wheel can lead to higher Calera, Alabama car insurance rates. In Calera, AL, the average commute length is 33.5 minutes.

Car Insurance Quotes for Calera, AL

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