Cheap Quotes for Garden City, AL Car Insurance (2021)

Garden City, Alabama car insurance rates average $312 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Garden City, AL companies, you can find cheap Garden City 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

  • The cheapest car insurance company in Garden City is USAA
  • Average car insurance rates in Garden City, AL after a DUI are $4,271/year
  • Average car insurance rates in Garden City, AL for senior drivers are $1,984/year

How do the Garden City, Alabama monthly average car insurance rates of $312/month compare to nearby cities like Dothan car insurance rates, Huntsville car insurance rates, and Birmingham car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Garden City, AL.

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

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

What are the minimum Garden City, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garden City, 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 $2,005 $1,912 $1,811 $1,846 $6,943 $7,466 $2,251 $2,306
Farmers $2,476 $2,455 $2,213 $2,347 $9,554 $9,828 $2,830 $2,955
GEICO $2,214 $2,202 $2,095 $2,161 $5,858 $5,765 $2,339 $2,181
Liberty Mutual $3,153 $3,405 $2,581 $2,883 $11,526 $12,810 $3,366 $3,594
Nationwide $1,711 $1,732 $1,561 $1,615 $4,509 $5,801 $1,899 $2,121
Progressive $2,395 $2,243 $1,962 $2,101 $9,839 $10,972 $2,799 $2,972
State Farm $3,033 $3,033 $2,745 $2,745 $9,244 $11,544 $3,428 $3,977
Travelers $1,384 $1,406 $1,299 $1,297 $7,426 $11,727 $1,313 $1,499
USAA $1,327 $1,347 $1,238 $1,211 $3,987 $4,421 $1,733 $1,868

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

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

Annual Car Insurance Rates for Teen Drivers in Garden City, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,943 $7,466
Farmers $9,554 $9,828
GEICO $5,858 $5,765
Liberty Mutual $11,526 $12,810
Nationwide $4,509 $5,801
Progressive $9,839 $10,972
State Farm $9,244 $11,544
Travelers $7,426 $11,727
USAA $3,987 $4,421

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

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

Annual Car Insurance Rates for Senior Drivers in Garden City, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,811 $1,846
Farmers $2,213 $2,347
GEICO $2,095 $2,161
Liberty Mutual $2,581 $2,883
Nationwide $1,561 $1,615
Progressive $1,962 $2,101
State Farm $2,745 $2,745
Travelers $1,299 $1,297
USAA $1,238 $1,211

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

Annual Car Insurance Rates by Coverage Level in Garden City, Alabama

Insurance Company Low Medium High
Allstate $3,215 $3,312 $3,425
Farmers $4,110 $4,281 $4,606
GEICO $2,872 $3,089 $3,345
Liberty Mutual $5,184 $5,391 $5,669
Nationwide $2,600 $2,597 $2,660
Progressive $3,955 $4,385 $4,891
State Farm $4,714 $4,961 $5,230
Travelers $3,235 $3,487 $3,534
USAA $2,067 $2,130 $2,227

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

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

Annual Garden City, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,821 $3,321 $3,940 $3,187
Farmers $3,639 $4,713 $4,596 $4,381
GEICO $2,089 $3,369 $4,162 $2,788
Liberty Mutual $4,241 $5,916 $5,781 $5,721
Nationwide $2,293 $2,293 $3,331 $2,558
Progressive $3,985 $5,010 $4,274 $4,372
State Farm $4,480 $5,566 $4,914 $4,914
Travelers $2,851 $2,991 $4,368 $3,465
USAA $1,646 $2,068 $3,071 $1,780

How does a DUI affect Garden City, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Garden City, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,940
Farmers $4,596
GEICO $4,162
Liberty Mutual $5,781
Nationwide $3,331
Progressive $4,274
State Farm $4,914
Travelers $4,368
USAA $3,071

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

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

Annual Car Insurance Rates by Credit Score in Garden City, Alabama

Insurance Company Poor Fair Good
Allstate $4,098 $3,220 $2,634
Farmers $4,857 $4,180 $3,960
GEICO $3,948 $2,813 $2,544
Liberty Mutual $7,763 $4,753 $3,728
Nationwide $3,158 $2,466 $2,232
Progressive $4,977 $4,268 $3,986
State Farm $8,054 $4,079 $2,773
Travelers $3,727 $3,234 $3,296
USAA $2,880 $1,873 $1,671

How does your commute affect Garden City, AL car insurance rates?

Garden City, 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 Garden City if you’re financing.

Annual Car Insurance Rates by Commute Length in Garden City, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,317 $3,317
Farmers $4,332 $4,332
GEICO $3,046 $3,158
Liberty Mutual $5,415 $5,415
Nationwide $2,619 $2,619
Progressive $4,410 $4,410
State Farm $4,851 $5,086
Travelers $3,419 $3,419
USAA $2,044 $2,239

Who has the cheapest Garden City, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Garden City, Alabama

Insurance Company Average Annual Rates
Allstate $3,317
Farmers $4,332
GEICO $3,102
Liberty Mutual $5,415
Nationwide $2,619
Progressive $4,410
State Farm $4,969
Travelers $3,419
USAA $2,141

What factors affect Garden City, AL car insurance rates?

Why are Garden City, Alabama car insurance rates different than rates in Dothan or Huntsville? 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 Garden City, AL?

More time spent behind the wheel can lead to higher Garden City, Alabama car insurance rates. In Garden City, AL, the average commute length is 26.5 minutes.

Car Insurance Quotes for Garden City, AL

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