Cheap Quotes for Cook Springs, AL Car Insurance (2021)

Cook Springs, Alabama car insurance rates average $314 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Cook Springs, AL companies, you can find cheap Cook Springs 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 Cook Springs, AL after a DUI are $4,299/year
  • Average car insurance rates in Cook Springs, AL are $314/month
  • The cheapest car insurance company in Cook Springs is USAA

How do the Cook Springs, Alabama monthly average car insurance rates of $314/month compare to nearby cities like Birmingham car insurance rates, Decatur 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 Cook Springs, AL.

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

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

What are the minimum Cook Springs, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cook Springs, 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 $2,060 $1,958 $1,868 $1,904 $7,303 $7,842 $2,294 $2,341
Farmers $2,421 $2,403 $2,164 $2,298 $9,368 $9,638 $2,754 $2,865
GEICO $2,214 $2,202 $2,095 $2,161 $5,858 $5,765 $2,339 $2,181
Liberty Mutual $3,206 $3,464 $2,627 $2,937 $11,762 $13,077 $3,417 $3,642
Nationwide $1,696 $1,716 $1,548 $1,600 $4,472 $5,749 $1,882 $2,100
Progressive $2,458 $2,294 $2,025 $2,162 $10,332 $11,505 $2,879 $3,057
State Farm $2,872 $2,872 $2,606 $2,606 $8,795 $10,990 $3,246 $3,757
Travelers $1,477 $1,499 $1,390 $1,382 $7,845 $12,230 $1,400 $1,604
USAA $1,302 $1,323 $1,214 $1,190 $3,863 $4,285 $1,696 $1,831

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

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

Annual Car Insurance Rates for Teen Drivers in Cook Springs, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,303 $7,842
Farmers $9,368 $9,638
GEICO $5,858 $5,765
Liberty Mutual $11,762 $13,077
Nationwide $4,472 $5,749
Progressive $10,332 $11,505
State Farm $8,795 $10,990
Travelers $7,845 $12,230
USAA $3,863 $4,285

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

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

Annual Car Insurance Rates for Senior Drivers in Cook Springs, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,868 $1,904
Farmers $2,164 $2,298
GEICO $2,095 $2,161
Liberty Mutual $2,627 $2,937
Nationwide $1,548 $1,600
Progressive $2,025 $2,162
State Farm $2,606 $2,606
Travelers $1,390 $1,382
USAA $1,214 $1,190

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

Annual Car Insurance Rates by Coverage Level in Cook Springs, Alabama

Insurance Company Low Medium High
Allstate $3,316 $3,441 $3,582
Farmers $4,004 $4,184 $4,529
GEICO $2,872 $3,089 $3,345
Liberty Mutual $5,266 $5,490 $5,793
Nationwide $2,578 $2,574 $2,635
Progressive $4,123 $4,566 $5,078
State Farm $4,460 $4,711 $4,984
Travelers $3,446 $3,675 $3,689
USAA $2,015 $2,077 $2,171

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

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

Annual Cook Springs, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,919 $3,451 $4,107 $3,308
Farmers $3,565 $4,614 $4,501 $4,276
GEICO $2,089 $3,369 $4,162 $2,788
Liberty Mutual $4,322 $6,027 $5,889 $5,829
Nationwide $2,274 $2,274 $3,298 $2,535
Progressive $4,136 $5,222 $4,464 $4,534
State Farm $4,251 $5,289 $4,666 $4,666
Travelers $2,997 $3,146 $4,613 $3,658
USAA $1,606 $2,014 $2,994 $1,737

How does a DUI affect Cook Springs, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Cook Springs, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,107
Farmers $4,501
GEICO $4,162
Liberty Mutual $5,889
Nationwide $3,298
Progressive $4,464
State Farm $4,666
Travelers $4,613
USAA $2,994

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

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

Annual Car Insurance Rates by Credit Score in Cook Springs, Alabama

Insurance Company Poor Fair Good
Allstate $4,250 $3,349 $2,740
Farmers $4,752 $4,089 $3,875
GEICO $3,948 $2,813 $2,544
Liberty Mutual $7,906 $4,844 $3,799
Nationwide $3,130 $2,444 $2,211
Progressive $5,162 $4,445 $4,160
State Farm $7,644 $3,874 $2,636
Travelers $3,931 $3,408 $3,471
USAA $2,810 $1,825 $1,629

How does your commute affect Cook Springs, AL car insurance rates?

Cook Springs, 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 Cook Springs if you’re financing.

Annual Car Insurance Rates by Commute Length in Cook Springs, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,446 $3,446
Farmers $4,239 $4,239
GEICO $3,046 $3,158
Liberty Mutual $5,516 $5,516
Nationwide $2,595 $2,595
Progressive $4,589 $4,589
State Farm $4,605 $4,831
Travelers $3,603 $3,603
USAA $1,992 $2,183

Who has the cheapest Cook Springs, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Cook Springs, Alabama

Insurance Company Average Annual Rates
Allstate $3,446
Farmers $4,239
GEICO $3,102
Liberty Mutual $5,516
Nationwide $2,595
Progressive $4,589
State Farm $4,718
Travelers $3,603
USAA $2,088

Car Insurance Quotes for Cook Springs, AL

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