Cheap Quotes for Elmore, AL Car Insurance (2021)

Elmore, Alabama car insurance rates average $311 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Elmore, AL companies, you can find cheap Elmore 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 Elmore, AL are $311/month
  • Elmore has an average commute time of 23.8 minutes
  • The cheapest car insurance company in Elmore is USAA

How do the Elmore, Alabama monthly average car insurance rates of $311/month compare to nearby cities like Dothan car insurance rates, Tuscaloosa car insurance rates, and Auburn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Elmore, AL.

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

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

What are the minimum Elmore, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elmore, 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 $1,934 $1,845 $1,751 $1,785 $6,740 $7,250 $2,164 $2,210
Farmers $2,298 $2,283 $2,054 $2,181 $8,772 $9,029 $2,599 $2,698
GEICO $2,098 $2,086 $1,990 $2,057 $5,541 $5,439 $2,218 $2,063
Liberty Mutual $3,030 $3,272 $2,479 $2,772 $11,257 $12,520 $3,228 $3,439
Nationwide $1,777 $1,799 $1,618 $1,676 $4,696 $6,054 $1,974 $2,208
Progressive $2,442 $2,279 $2,010 $2,143 $10,350 $11,547 $2,861 $3,055
State Farm $2,942 $2,942 $2,675 $2,675 $9,100 $11,391 $3,330 $3,840
Travelers $1,575 $1,599 $1,482 $1,476 $8,570 $13,501 $1,488 $1,700
USAA $1,324 $1,347 $1,235 $1,215 $3,890 $4,316 $1,721 $1,864

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

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

Annual Car Insurance Rates for Teen Drivers in Elmore, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,740 $7,250
Farmers $8,772 $9,029
GEICO $5,541 $5,439
Liberty Mutual $11,257 $12,520
Nationwide $4,696 $6,054
Progressive $10,350 $11,547
State Farm $9,100 $11,391
Travelers $8,570 $13,501
USAA $3,890 $4,316

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

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

Annual Car Insurance Rates for Senior Drivers in Elmore, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,751 $1,785
Farmers $2,054 $2,181
GEICO $1,990 $2,057
Liberty Mutual $2,479 $2,772
Nationwide $1,618 $1,676
Progressive $2,010 $2,143
State Farm $2,675 $2,675
Travelers $1,482 $1,476
USAA $1,235 $1,215

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

Annual Car Insurance Rates by Coverage Level in Elmore, Alabama

Insurance Company Low Medium High
Allstate $3,092 $3,206 $3,332
Farmers $3,765 $3,938 $4,264
GEICO $2,708 $2,924 $3,177
Liberty Mutual $5,006 $5,225 $5,519
Nationwide $2,711 $2,701 $2,763
Progressive $4,101 $4,566 $5,091
State Farm $4,582 $4,857 $5,147
Travelers $3,723 $4,003 $4,047
USAA $2,039 $2,103 $2,200

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

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

Annual Elmore, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,732 $3,221 $3,804 $3,083
Farmers $3,362 $4,342 $4,236 $4,017
GEICO $1,979 $3,187 $3,940 $2,640
Liberty Mutual $4,114 $5,738 $5,600 $5,547
Nationwide $2,383 $2,383 $3,473 $2,661
Progressive $4,128 $5,220 $4,469 $4,526
State Farm $4,375 $5,457 $4,808 $4,808
Travelers $3,265 $3,426 $5,026 $3,980
USAA $1,627 $2,037 $3,032 $1,760

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

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

Annual Car Insurance Rates After a DUI in Elmore, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,804
Farmers $4,236
GEICO $3,940
Liberty Mutual $5,600
Nationwide $3,473
Progressive $4,469
State Farm $4,808
Travelers $5,026
USAA $3,032

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

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

Annual Car Insurance Rates by Credit Score in Elmore, Alabama

Insurance Company Poor Fair Good
Allstate $3,965 $3,117 $2,548
Farmers $4,471 $3,848 $3,649
GEICO $3,736 $2,664 $2,410
Liberty Mutual $7,515 $4,614 $3,620
Nationwide $3,289 $2,566 $2,321
Progressive $5,153 $4,444 $4,161
State Farm $7,890 $3,989 $2,707
Travelers $4,278 $3,711 $3,783
USAA $2,845 $1,848 $1,649

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

Elmore, 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 Elmore if you’re financing.

Annual Car Insurance Rates by Commute Length in Elmore, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,210 $3,210
Farmers $3,989 $3,989
GEICO $2,883 $2,990
Liberty Mutual $5,250 $5,250
Nationwide $2,725 $2,725
Progressive $4,586 $4,586
State Farm $4,743 $4,981
Travelers $3,924 $3,924
USAA $2,017 $2,211

Who has the cheapest Elmore, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Elmore, Alabama

Insurance Company Average Annual Rates
Allstate $3,210
Farmers $3,989
GEICO $2,937
Liberty Mutual $5,250
Nationwide $2,725
Progressive $4,586
State Farm $4,862
Travelers $3,924
USAA $2,114

What factors affect Elmore, AL car insurance rates?

Why are Elmore, Alabama car insurance rates different than rates in Dothan or Tuscaloosa? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Elmore, AL?

More time spent behind the wheel can lead to higher Elmore, Alabama car insurance rates. In Elmore, AL, the average commute length is 23.8 minutes.

Car Insurance Quotes for Elmore, AL

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