Cheap Quotes for Gulf Shores, AL Car Insurance (2021)

Gulf Shores, Alabama car insurance rates average $298 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Gulf Shores, AL companies, you can find cheap Gulf Shores 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 Gulf Shores, AL after a DUI are $4,088/year
  • Average car insurance rates in Gulf Shores, AL are $298/month
  • Gulf Shores has an average commute time of 23.9 minutes

How do the Gulf Shores, Alabama monthly average car insurance rates of $298/month compare to nearby cities like Decatur car insurance rates, Dothan car insurance rates, and Madison car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Gulf Shores, AL.

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

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

What are the minimum Gulf Shores, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Gulf Shores, 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 Gulf Shores, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Gulf Shores, Alabama

ZIP Code Average Annual Rates
36542 $3,711
36561 $3,688

How do age, gender, and marital status affect Gulf Shores, AL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gulf Shores, 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 $1,867 $1,777 $1,693 $1,725 $6,589 $7,101 $2,082 $2,124
Farmers $2,306 $2,288 $2,059 $2,192 $8,989 $9,246 $2,611 $2,703
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
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 $2,348 $2,206 $1,930 $2,056 $9,447 $10,540 $2,741 $2,896
State Farm $2,578 $2,578 $2,348 $2,348 $7,962 $9,967 $2,916 $3,358
Travelers $1,676 $1,702 $1,576 $1,570 $9,202 $14,523 $1,583 $1,810
USAA $1,214 $1,231 $1,138 $1,117 $3,602 $3,990 $1,576 $1,701

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

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

Annual Car Insurance Rates for Teen Drivers in Gulf Shores, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,589 $7,101
Farmers $8,989 $9,246
GEICO $4,934 $4,812
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $7,962 $9,967
Travelers $9,202 $14,523
USAA $3,602 $3,990

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

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

Annual Car Insurance Rates for Senior Drivers in Gulf Shores, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,693 $1,725
Farmers $2,059 $2,192
GEICO $1,795 $1,862
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,930 $2,056
State Farm $2,348 $2,348
Travelers $1,576 $1,570
USAA $1,138 $1,117

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

Annual Car Insurance Rates by Coverage Level in Gulf Shores, Alabama

Insurance Company Low Medium High
Allstate $3,019 $3,116 $3,224
Farmers $3,811 $3,994 $4,342
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,804 $4,247 $4,760
State Farm $4,002 $4,252 $4,517
Travelers $3,995 $4,289 $4,332
USAA $1,869 $1,934 $2,035

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

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

Annual Gulf Shores, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,647 $3,123 $3,713 $2,996
Farmers $3,408 $4,412 $4,304 $4,073
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,852 $4,833 $4,164 $4,232
State Farm $3,831 $4,777 $4,210 $4,210
Travelers $3,498 $3,671 $5,390 $4,262
USAA $1,500 $1,882 $2,782 $1,622

How does a DUI affect Gulf Shores, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Gulf Shores, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,713
Farmers $4,304
GEICO $3,520
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,164
State Farm $4,210
Travelers $5,390
USAA $2,782

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

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

Annual Car Insurance Rates by Credit Score in Gulf Shores, Alabama

Insurance Company Poor Fair Good
Allstate $3,850 $3,031 $2,479
Farmers $4,535 $3,908 $3,704
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,829 $4,130 $3,852
State Farm $6,900 $3,495 $2,376
Travelers $4,583 $3,978 $4,055
USAA $2,604 $1,707 $1,527

How does your commute affect Gulf Shores, AL car insurance rates?

Gulf Shores, 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 Gulf Shores if you’re financing.

Annual Car Insurance Rates by Commute Length in Gulf Shores, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,120 $3,120
Farmers $4,049 $4,049
GEICO $2,571 $2,665
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,270 $4,270
State Farm $4,152 $4,362
Travelers $4,205 $4,205
USAA $1,857 $2,035

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Who has the cheapest Gulf Shores, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Gulf Shores, Alabama

Insurance Company Average Annual Rates
Allstate $3,120
Farmers $4,049
GEICO $2,618
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,270
State Farm $4,257
Travelers $4,205
USAA $1,946

What factors affect Gulf Shores, AL car insurance rates?

Why are Gulf Shores, Alabama car insurance rates different than rates in Decatur or Dothan? 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 Gulf Shores, AL?

FBI statistics show that the Gulf Shores, Alabama car theft rate is 25 thefts each year. High theft rates can lead to higher than average Gulf Shores, AL car insurance rates.

How long is the average commute in Gulf Shores, AL?

More time spent behind the wheel can lead to higher Gulf Shores, Alabama car insurance rates. In Gulf Shores, AL, the average commute length is 23.9 minutes.

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Car Insurance Quotes for Gulf Shores, AL

Shop for affordable Gulf Shores, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Gulf Shores, AL car insurance companies.

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