Cheap Quotes for Chatom, AL Car Insurance (2021)

Chatom, Alabama car insurance rates average $313 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Chatom, AL companies, you can find cheap Chatom 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

  • The cheapest car insurance company in Chatom is USAA
  • Average car insurance rates in Chatom, AL are $313/month
  • Average car insurance rates in Chatom, AL after a DUI are $4,276/year

How do the Chatom, Alabama monthly average car insurance rates of $313/month compare to nearby cities like Auburn car insurance rates, Montgomery car insurance rates, and Hoover car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Chatom, AL.

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

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

What are the minimum Chatom, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chatom, 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 $2,029 $1,947 $1,815 $1,853 $6,725 $7,209 $2,318 $2,389
Farmers $2,388 $2,369 $2,136 $2,260 $9,060 $9,324 $2,729 $2,858
GEICO $2,116 $2,085 $1,968 $1,996 $5,380 $5,307 $2,235 $2,099
Liberty Mutual $3,301 $3,570 $2,702 $3,025 $11,850 $13,185 $3,529 $3,769
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,432 $2,296 $1,991 $2,120 $9,685 $10,834 $2,849 $3,034
State Farm $3,060 $3,060 $2,717 $2,717 $8,518 $10,731 $3,440 $3,937
Travelers $1,610 $1,638 $1,497 $1,495 $8,363 $13,086 $1,527 $1,781
USAA $1,362 $1,388 $1,271 $1,252 $4,020 $4,464 $1,777 $1,925

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

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

Annual Car Insurance Rates for Teen Drivers in Chatom, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,725 $7,209
Farmers $9,060 $9,324
GEICO $5,380 $5,307
Liberty Mutual $11,850 $13,185
Nationwide $4,418 $5,752
Progressive $9,685 $10,834
State Farm $8,518 $10,731
Travelers $8,363 $13,086
USAA $4,020 $4,464

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

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

Annual Car Insurance Rates for Senior Drivers in Chatom, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,815 $1,853
Farmers $2,136 $2,260
GEICO $1,968 $1,996
Liberty Mutual $2,702 $3,025
Nationwide $1,577 $1,642
Progressive $1,991 $2,120
State Farm $2,717 $2,717
Travelers $1,497 $1,495
USAA $1,271 $1,252

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

Annual Car Insurance Rates by Coverage Level in Chatom, Alabama

Insurance Company Low Medium High
Allstate $3,194 $3,281 $3,381
Farmers $3,941 $4,095 $4,386
GEICO $2,708 $2,886 $3,100
Liberty Mutual $5,378 $5,592 $5,879
Nationwide $2,624 $2,595 $2,649
Progressive $3,965 $4,381 $4,869
State Farm $4,554 $4,764 $4,999
Travelers $3,711 $3,952 $3,960
USAA $2,105 $2,171 $2,271

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

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

Annual Chatom, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,817 $3,301 $3,865 $3,159
Farmers $3,481 $4,500 $4,388 $4,193
GEICO $1,980 $3,144 $3,808 $2,661
Liberty Mutual $4,406 $6,125 $6,004 $5,930
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,988 $4,986 $4,266 $4,381
State Farm $4,358 $5,278 $4,726 $4,726
Travelers $3,228 $3,390 $4,941 $3,939
USAA $1,678 $2,102 $3,133 $1,816

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

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

Annual Car Insurance Rates After a DUI in Chatom, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,865
Farmers $4,388
GEICO $3,808
Liberty Mutual $6,004
Nationwide $3,353
Progressive $4,266
State Farm $4,726
Travelers $4,941
USAA $3,133

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

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

Annual Car Insurance Rates by Credit Score in Chatom, Alabama

Insurance Company Poor Fair Good
Allstate $4,071 $3,182 $2,604
Farmers $4,644 $3,993 $3,785
GEICO $3,687 $2,629 $2,378
Liberty Mutual $8,051 $4,927 $3,870
Nationwide $3,171 $2,467 $2,229
Progressive $4,992 $4,257 $3,966
State Farm $7,733 $3,919 $2,665
Travelers $4,231 $3,662 $3,730
USAA $2,937 $1,908 $1,703

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

Chatom, 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 Chatom if you’re financing.

Annual Car Insurance Rates by Commute Length in Chatom, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,286 $3,286
Farmers $4,141 $4,141
GEICO $2,842 $2,954
Liberty Mutual $5,616 $5,616
Nationwide $2,623 $2,623
Progressive $4,405 $4,405
State Farm $4,660 $4,885
Travelers $3,875 $3,875
USAA $2,082 $2,282

Who has the cheapest Chatom, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Chatom, Alabama

Insurance Company Average Annual Rates
Allstate $3,286
Farmers $4,141
GEICO $2,898
Liberty Mutual $5,616
Nationwide $2,623
Progressive $4,405
State Farm $4,772
Travelers $3,875
USAA $2,182

What factors affect Chatom, AL car insurance rates?

Why are Chatom, Alabama car insurance rates different than rates in Auburn 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 Chatom, AL?

FBI statistics show that the Chatom, Alabama car theft rate is 4 thefts each year. High theft rates can lead to higher than average Chatom, AL car insurance rates.

How long is the average commute in Chatom, AL?

More time spent behind the wheel can lead to higher Chatom, Alabama car insurance rates. In Chatom, AL, the average commute length is 24.6 minutes.

Car Insurance Quotes for Chatom, AL

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