Cheap Quotes for Fairhope, AL Car Insurance (2021)

Fairhope, Alabama car insurance rates average $295 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Fairhope, AL companies, you can find cheap Fairhope 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 Fairhope, AL are $295/month
  • Average car insurance rates in Fairhope, AL for senior drivers are $1,858/year
  • Average car insurance rates in Fairhope, AL after a DUI are $4,049/year

How do the Fairhope, Alabama monthly average car insurance rates of $295/month compare to nearby cities like Huntsville car insurance rates, Madison car insurance rates, and Decatur car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fairhope, AL.

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

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

What are the minimum Fairhope, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fairhope, 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 $1,851 $1,762 $1,677 $1,709 $6,508 $7,006 $2,065 $2,108
Farmers $2,224 $2,209 $1,987 $2,117 $8,665 $8,915 $2,511 $2,593
GEICO $1,980 $1,969 $1,893 $1,961 $5,246 $5,134 $2,089 $1,931
Liberty Mutual $3,026 $3,268 $2,482 $2,777 $11,136 $12,384 $3,218 $3,422
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,253 $2,104 $1,853 $1,978 $9,447 $10,540 $2,631 $2,799
State Farm $2,632 $2,632 $2,399 $2,399 $8,163 $10,216 $2,978 $3,432
Travelers $1,540 $1,563 $1,449 $1,443 $8,372 $13,187 $1,457 $1,664
USAA $1,243 $1,261 $1,165 $1,144 $3,686 $4,084 $1,614 $1,743

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

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

Annual Car Insurance Rates for Teen Drivers in Fairhope, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,508 $7,006
Farmers $8,665 $8,915
GEICO $5,246 $5,134
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $8,163 $10,216
Travelers $8,372 $13,187
USAA $3,686 $4,084

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

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

Annual Car Insurance Rates for Senior Drivers in Fairhope, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,677 $1,709
Farmers $1,987 $2,117
GEICO $1,893 $1,961
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,853 $1,978
State Farm $2,399 $2,399
Travelers $1,449 $1,443
USAA $1,165 $1,144

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

Annual Car Insurance Rates by Coverage Level in Fairhope, Alabama

Insurance Company Low Medium High
Allstate $2,985 $3,082 $3,190
Farmers $3,663 $3,847 $4,199
GEICO $2,550 $2,763 $3,013
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,728 $4,180 $4,693
State Farm $4,095 $4,351 $4,623
Travelers $3,642 $3,911 $3,951
USAA $1,914 $1,980 $2,083

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

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

Annual Fairhope, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,620 $3,089 $3,671 $2,963
Farmers $3,288 $4,254 $4,150 $3,920
GEICO $1,865 $3,014 $3,740 $2,481
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,780 $4,774 $4,100 $4,147
State Farm $3,918 $4,892 $4,308 $4,308
Travelers $3,192 $3,349 $4,910 $3,887
USAA $1,535 $1,925 $2,849 $1,660

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

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

Annual Car Insurance Rates After a DUI in Fairhope, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,671
Farmers $4,150
GEICO $3,740
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,100
State Farm $4,308
Travelers $4,910
USAA $2,849

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

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

Annual Car Insurance Rates by Credit Score in Fairhope, Alabama

Insurance Company Poor Fair Good
Allstate $3,809 $2,997 $2,451
Farmers $4,372 $3,766 $3,570
GEICO $3,530 $2,518 $2,278
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,725 $4,069 $3,807
State Farm $7,063 $3,576 $2,430
Travelers $4,179 $3,627 $3,697
USAA $2,667 $1,747 $1,563

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

Fairhope, 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 Fairhope if you’re financing.

Annual Car Insurance Rates by Commute Length in Fairhope, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,086 $3,086
Farmers $3,903 $3,903
GEICO $2,727 $2,823
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,201 $4,201
State Farm $4,249 $4,464
Travelers $3,834 $3,834
USAA $1,901 $2,083

Who has the cheapest Fairhope, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Fairhope, Alabama

Insurance Company Average Annual Rates
Allstate $3,086
Farmers $3,903
GEICO $2,775
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,201
State Farm $4,356
Travelers $3,834
USAA $1,992

What factors affect Fairhope, AL car insurance rates?

Why are Fairhope, Alabama car insurance rates different than rates in Huntsville or Madison? 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 Fairhope, AL?

FBI statistics show that the Fairhope, Alabama car theft rate is 31 thefts each year. High theft rates can lead to higher than average Fairhope, AL car insurance rates.

How long is the average commute in Fairhope, AL?

More time spent behind the wheel can lead to higher Fairhope, Alabama car insurance rates. In Fairhope, AL, the average commute length is 24.5 minutes.

Car Insurance Quotes for Fairhope, AL

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