Cheap Quotes for Daphne, AL Car Insurance (2021)

Daphne, Alabama car insurance rates average $304 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Daphne, AL companies, you can find cheap Daphne 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 Daphne, AL are $304/month
  • Average car insurance rates in Daphne, AL after a DUI are $4,157/year
  • The cheapest car insurance company in Daphne is USAA

How do the Daphne, Alabama monthly average car insurance rates of $304/month compare to nearby cities like Madison car insurance rates, Auburn 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 Daphne, AL.

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

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

What are the minimum Daphne, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by ZIP Code in Daphne, Alabama

ZIP Code Average Annual Rates
36526 $3,767
36527 $3,755

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Daphne, 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 $1,944 $1,848 $1,762 $1,795 $6,914 $7,444 $2,168 $2,213
Farmers $2,322 $2,306 $2,074 $2,209 $9,067 $9,327 $2,628 $2,718
GEICO $1,980 $1,969 $1,893 $1,961 $5,246 $5,134 $2,089 $1,931
Liberty Mutual $3,172 $3,424 $2,595 $2,904 $11,797 $13,118 $3,375 $3,589
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,437 $2,277 $2,004 $2,138 $10,152 $11,324 $2,848 $3,027
State Farm $2,681 $2,681 $2,442 $2,442 $8,321 $10,409 $3,034 $3,500
Travelers $1,510 $1,533 $1,421 $1,416 $8,203 $12,921 $1,429 $1,631
USAA $1,234 $1,252 $1,156 $1,135 $3,653 $4,047 $1,601 $1,729

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

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

Annual Car Insurance Rates for Teen Drivers in Daphne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,914 $7,444
Farmers $9,067 $9,327
GEICO $5,246 $5,134
Liberty Mutual $11,797 $13,118
Nationwide $4,274 $5,478
Progressive $10,152 $11,324
State Farm $8,321 $10,409
Travelers $8,203 $12,921
USAA $3,653 $4,047

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

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

Annual Car Insurance Rates for Senior Drivers in Daphne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,762 $1,795
Farmers $2,074 $2,209
GEICO $1,893 $1,961
Liberty Mutual $2,595 $2,904
Nationwide $1,486 $1,534
Progressive $2,004 $2,138
State Farm $2,442 $2,442
Travelers $1,421 $1,416
USAA $1,156 $1,135

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

Annual Car Insurance Rates by Coverage Level in Daphne, Alabama

Insurance Company Low Medium High
Allstate $3,154 $3,257 $3,372
Farmers $3,833 $4,023 $4,388
GEICO $2,550 $2,763 $3,013
Liberty Mutual $5,248 $5,471 $5,771
Nationwide $2,452 $2,462 $2,528
Progressive $4,032 $4,504 $5,042
State Farm $4,177 $4,434 $4,705
Travelers $3,568 $3,833 $3,873
USAA $1,898 $1,964 $2,066

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

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

Annual Daphne, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,762 $3,263 $3,888 $3,130
Farmers $3,436 $4,447 $4,339 $4,103
GEICO $1,865 $3,014 $3,740 $2,481
Liberty Mutual $4,309 $6,008 $5,865 $5,805
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $4,076 $5,142 $4,413 $4,472
State Farm $3,992 $4,985 $4,389 $4,389
Travelers $3,129 $3,282 $4,812 $3,809
USAA $1,522 $1,910 $2,826 $1,646

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

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

Annual Car Insurance Rates After a DUI in Daphne, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,888
Farmers $4,339
GEICO $3,740
Liberty Mutual $5,865
Nationwide $3,145
Progressive $4,413
State Farm $4,389
Travelers $4,812
USAA $2,826

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

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

Annual Car Insurance Rates by Credit Score in Daphne, Alabama

Insurance Company Poor Fair Good
Allstate $4,020 $3,170 $2,593
Farmers $4,574 $3,938 $3,732
GEICO $3,530 $2,518 $2,278
Liberty Mutual $7,860 $4,836 $3,795
Nationwide $2,987 $2,338 $2,118
Progressive $5,096 $4,383 $4,099
State Farm $7,197 $3,643 $2,476
Travelers $4,096 $3,555 $3,623
USAA $2,646 $1,733 $1,550

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

Daphne, 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 Daphne if you’re financing.

Annual Car Insurance Rates by Commute Length in Daphne, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,261 $3,261
Farmers $4,081 $4,081
GEICO $2,727 $2,823
Liberty Mutual $5,497 $5,497
Nationwide $2,481 $2,481
Progressive $4,526 $4,526
State Farm $4,330 $4,548
Travelers $3,758 $3,758
USAA $1,886 $2,066

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Who has the cheapest Daphne, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Daphne, Alabama

Insurance Company Average Annual Rates
Allstate $3,261
Farmers $4,081
GEICO $2,775
Liberty Mutual $5,497
Nationwide $2,481
Progressive $4,526
State Farm $4,439
Travelers $3,758
USAA $1,976

What factors affect Daphne, AL car insurance rates?

Why are Daphne, Alabama car insurance rates different than rates in Madison or Auburn? 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 Daphne, AL?

FBI statistics show that the Daphne, Alabama car theft rate is 17 thefts each year. High theft rates can lead to higher than average Daphne, AL car insurance rates.

How long is the average commute in Daphne, AL?

More time spent behind the wheel can lead to higher Daphne, Alabama car insurance rates. In Daphne, AL, the average commute length is 26.2 minutes.

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Car Insurance Quotes for Daphne, AL

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