Cheap Quotes for Fairfield, AL Car Insurance (2021)

Fairfield, Alabama car insurance rates average $355 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Fairfield, AL companies, you can find cheap Fairfield 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 Fairfield, AL for senior drivers are $2,226/year
  • The cheapest car insurance company in Fairfield is USAA
  • Average car insurance rates in Fairfield, AL are $355/month

How do the Fairfield, Alabama monthly average car insurance rates of $355/month compare to nearby cities like Tuscaloosa car insurance rates, Birmingham car insurance rates, and Huntsville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fairfield, AL.

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

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

What are the minimum Fairfield, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fairfield, 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 $2,134 $2,030 $1,940 $1,976 $7,509 $8,056 $2,372 $2,420
Farmers $2,568 $2,553 $2,292 $2,442 $10,111 $10,417 $2,899 $2,993
GEICO $2,403 $2,406 $2,292 $2,390 $6,468 $6,361 $2,544 $2,368
Liberty Mutual $3,508 $3,790 $2,869 $3,215 $13,309 $14,806 $3,725 $3,956
Nationwide $1,860 $1,882 $1,693 $1,752 $4,989 $6,426 $2,070 $2,316
Progressive $2,812 $2,625 $2,309 $2,470 $11,836 $13,211 $3,287 $3,504
State Farm $3,688 $3,688 $3,343 $3,343 $11,304 $14,163 $4,171 $4,808
Travelers $1,718 $1,744 $1,619 $1,612 $9,548 $15,077 $1,622 $1,848
USAA $1,362 $1,378 $1,272 $1,242 $4,100 $4,540 $1,773 $1,911

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

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

Annual Car Insurance Rates for Teen Drivers in Fairfield, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,509 $8,056
Farmers $10,111 $10,417
GEICO $6,468 $6,361
Liberty Mutual $13,309 $14,806
Nationwide $4,989 $6,426
Progressive $11,836 $13,211
State Farm $11,304 $14,163
Travelers $9,548 $15,077
USAA $4,100 $4,540

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

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

Annual Car Insurance Rates for Senior Drivers in Fairfield, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,940 $1,976
Farmers $2,292 $2,442
GEICO $2,292 $2,390
Liberty Mutual $2,869 $3,215
Nationwide $1,693 $1,752
Progressive $2,309 $2,470
State Farm $3,343 $3,343
Travelers $1,619 $1,612
USAA $1,272 $1,242

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

Annual Car Insurance Rates by Coverage Level in Fairfield, Alabama

Insurance Company Low Medium High
Allstate $3,409 $3,547 $3,708
Farmers $4,250 $4,466 $4,887
GEICO $3,128 $3,390 $3,695
Liberty Mutual $5,833 $6,115 $6,494
Nationwide $2,860 $2,849 $2,912
Progressive $4,674 $5,230 $5,866
State Farm $5,725 $6,059 $6,408
Travelers $4,132 $4,435 $4,478
USAA $2,118 $2,186 $2,288

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

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

Annual Fairfield, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,014 $3,559 $4,233 $3,413
Farmers $3,820 $4,944 $4,824 $4,550
GEICO $2,281 $3,689 $4,608 $3,039
Liberty Mutual $4,812 $6,726 $6,554 $6,497
Nationwide $2,512 $2,512 $3,665 $2,806
Progressive $4,733 $5,982 $5,119 $5,193
State Farm $5,464 $6,796 $5,997 $5,997
Travelers $3,616 $3,793 $5,581 $4,403
USAA $1,689 $2,123 $3,150 $1,827

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

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

Annual Car Insurance Rates After a DUI in Fairfield, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,233
Farmers $4,824
GEICO $4,608
Liberty Mutual $6,554
Nationwide $3,665
Progressive $5,119
State Farm $5,997
Travelers $5,581
USAA $3,150

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

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

Annual Car Insurance Rates by Credit Score in Fairfield, Alabama

Insurance Company Poor Fair Good
Allstate $4,387 $3,453 $2,824
Farmers $5,077 $4,377 $4,149
GEICO $4,335 $3,087 $2,791
Liberty Mutual $8,800 $5,407 $4,235
Nationwide $3,468 $2,706 $2,447
Progressive $5,911 $5,093 $4,766
State Farm $9,845 $4,973 $3,372
Travelers $4,737 $4,114 $4,195
USAA $2,951 $1,923 $1,718

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

Fairfield, 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 Fairfield if you’re financing.

Annual Car Insurance Rates by Commute Length in Fairfield, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,555 $3,555
Farmers $4,534 $4,534
GEICO $3,342 $3,466
Liberty Mutual $6,147 $6,147
Nationwide $2,874 $2,874
Progressive $5,257 $5,257
State Farm $5,915 $6,212
Travelers $4,348 $4,348
USAA $2,097 $2,298

Who has the cheapest Fairfield, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Fairfield, Alabama

Insurance Company Average Annual Rates
Allstate $3,555
Farmers $4,534
GEICO $3,404
Liberty Mutual $6,147
Nationwide $2,874
Progressive $5,257
State Farm $6,064
Travelers $4,348
USAA $2,197

What factors affect Fairfield, AL car insurance rates?

Why are Fairfield, Alabama car insurance rates different than rates in Tuscaloosa or Birmingham? 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 Fairfield, AL?

FBI statistics show that the Fairfield, Alabama car theft rate is 82 thefts each year. High theft rates can lead to higher than average Fairfield, AL car insurance rates.

How long is the average commute in Fairfield, AL?

More time spent behind the wheel can lead to higher Fairfield, Alabama car insurance rates. In Fairfield, AL, the average commute length is 23.5 minutes.

What is the traffic like in Fairfield, AL

Like commute length, time spent in traffic also increase risk of accidents. Fairfield, AL is listed as 658th in INRIX congested cities data.

Car Insurance Quotes for Fairfield, AL

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