Cheap Quotes for Fort Payne, AL Car Insurance (2021)

Fort Payne, Alabama car insurance rates average $293 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Fort Payne, AL companies, you can find cheap Fort Payne 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 Fort Payne, AL for senior drivers are $1,859/year
  • Average car insurance rates in Fort Payne, AL are $293/month
  • Fort Payne has an average commute time of 18.9 minutes

How do the Fort Payne, Alabama monthly average car insurance rates of $293/month compare to nearby cities like Birmingham car insurance rates, Hoover 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 Fort Payne, AL.

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

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

What are the minimum Fort Payne, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by ZIP Code in Fort Payne, Alabama

ZIP Code Average Annual Rates
35967 $3,592
35968 $3,620

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Payne, 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 $1,870 $1,787 $1,690 $1,722 $6,354 $6,829 $2,100 $2,151
Farmers $2,254 $2,237 $2,016 $2,134 $8,577 $8,828 $2,572 $2,690
GEICO $2,034 $2,021 $1,927 $1,978 $5,284 $5,207 $2,142 $2,000
Liberty Mutual $3,136 $3,389 $2,566 $2,870 $11,371 $12,648 $3,350 $3,578
Nationwide $1,667 $1,687 $1,523 $1,574 $4,394 $5,642 $1,850 $2,063
Progressive $2,173 $2,044 $1,778 $1,898 $8,825 $9,857 $2,547 $2,717
State Farm $2,573 $2,573 $2,329 $2,329 $7,813 $9,769 $2,907 $3,362
Travelers $1,520 $1,544 $1,426 $1,420 $8,098 $12,710 $1,439 $1,654
USAA $1,231 $1,250 $1,149 $1,126 $3,657 $4,056 $1,603 $1,729

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

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

Annual Car Insurance Rates for Teen Drivers in Fort Payne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,354 $6,829
Farmers $8,577 $8,828
GEICO $5,284 $5,207
Liberty Mutual $11,371 $12,648
Nationwide $4,394 $5,642
Progressive $8,825 $9,857
State Farm $7,813 $9,769
Travelers $8,098 $12,710
USAA $3,657 $4,056

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

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

Annual Car Insurance Rates for Senior Drivers in Fort Payne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,690 $1,722
Farmers $2,016 $2,134
GEICO $1,927 $1,978
Liberty Mutual $2,566 $2,870
Nationwide $1,523 $1,574
Progressive $1,778 $1,898
State Farm $2,329 $2,329
Travelers $1,426 $1,420
USAA $1,149 $1,126

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

Annual Car Insurance Rates by Coverage Level in Fort Payne, Alabama

Insurance Company Low Medium High
Allstate $2,965 $3,057 $3,166
Farmers $3,717 $3,868 $4,156
GEICO $2,613 $2,811 $3,048
Liberty Mutual $5,132 $5,339 $5,619
Nationwide $2,532 $2,529 $2,590
Progressive $3,598 $3,958 $4,383
State Farm $3,982 $4,201 $4,437
Travelers $3,546 $3,801 $3,832
USAA $1,905 $1,965 $2,056

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

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

Annual Fort Payne, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,614 $3,068 $3,624 $2,944
Farmers $3,291 $4,254 $4,149 $3,960
GEICO $1,912 $3,060 $3,769 $2,555
Liberty Mutual $4,206 $5,854 $5,729 $5,665
Nationwide $2,236 $2,236 $3,238 $2,491
Progressive $3,604 $4,517 $3,846 $3,954
State Farm $3,795 $4,710 $4,161 $4,161
Travelers $3,102 $3,256 $4,764 $3,783
USAA $1,520 $1,908 $2,828 $1,644

How does a DUI affect Fort Payne, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Fort Payne, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,624
Farmers $4,149
GEICO $3,769
Liberty Mutual $5,729
Nationwide $3,238
Progressive $3,846
State Farm $4,161
Travelers $4,764
USAA $2,828

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

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

Annual Car Insurance Rates by Credit Score in Fort Payne, Alabama

Insurance Company Poor Fair Good
Allstate $3,790 $2,969 $2,428
Farmers $4,390 $3,774 $3,577
GEICO $3,592 $2,562 $2,318
Liberty Mutual $7,687 $4,707 $3,696
Nationwide $3,075 $2,402 $2,174
Progressive $4,501 $3,849 $3,590
State Farm $6,818 $3,454 $2,349
Travelers $4,065 $3,524 $3,590
USAA $2,655 $1,728 $1,543

How does your commute affect Fort Payne, AL car insurance rates?

Fort Payne, 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 Fort Payne if you’re financing.

Annual Car Insurance Rates by Commute Length in Fort Payne, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,063 $3,063
Farmers $3,913 $3,913
GEICO $2,773 $2,875
Liberty Mutual $5,363 $5,363
Nationwide $2,550 $2,550
Progressive $3,980 $3,980
State Farm $4,106 $4,307
Travelers $3,727 $3,727
USAA $1,885 $2,065

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Who has the cheapest Fort Payne, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Fort Payne, Alabama

Insurance Company Average Annual Rates
Allstate $3,063
Farmers $3,913
GEICO $2,824
Liberty Mutual $5,363
Nationwide $2,550
Progressive $3,980
State Farm $4,207
Travelers $3,727
USAA $1,975

What factors affect Fort Payne, AL car insurance rates?

Why are Fort Payne, Alabama car insurance rates different than rates in Birmingham or Hoover? 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 Fort Payne, AL?

More time spent behind the wheel can lead to higher Fort Payne, Alabama car insurance rates. In Fort Payne, AL, the average commute length is 18.9 minutes.

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Car Insurance Quotes for Fort Payne, AL

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