Cheap Quotes for Guntersville, AL Car Insurance (2021)

Guntersville, Alabama car insurance rates average $299 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Guntersville, AL companies, you can find cheap Guntersville 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 Guntersville is USAA
  • Guntersville has an average commute time of 22.9 minutes
  • Average car insurance rates in Guntersville, AL after a DUI are $4,076/year

How do the Guntersville, Alabama monthly average car insurance rates of $299/month compare to nearby cities like Hoover 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 Guntersville, AL.

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

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

What are the minimum Guntersville, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Guntersville, 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 $2,034 $1,938 $1,839 $1,874 $7,078 $7,599 $2,280 $2,333
Farmers $2,288 $2,269 $2,044 $2,172 $8,901 $9,156 $2,607 $2,713
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $2,932 $3,166 $2,406 $2,689 $10,743 $11,940 $3,121 $3,324
Nationwide $1,634 $1,653 $1,494 $1,543 $4,292 $5,507 $1,812 $2,019
Progressive $2,217 $2,072 $1,818 $1,944 $9,352 $10,436 $2,597 $2,778
State Farm $3,129 $3,129 $2,843 $2,843 $9,765 $12,189 $3,542 $4,116
Travelers $1,344 $1,364 $1,265 $1,259 $7,090 $11,115 $1,273 $1,455
USAA $1,290 $1,307 $1,206 $1,179 $3,876 $4,295 $1,681 $1,811

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

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

Annual Car Insurance Rates for Teen Drivers in Guntersville, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,078 $7,599
Farmers $8,901 $9,156
GEICO $4,963 $4,863
Liberty Mutual $10,743 $11,940
Nationwide $4,292 $5,507
Progressive $9,352 $10,436
State Farm $9,765 $12,189
Travelers $7,090 $11,115
USAA $3,876 $4,295

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

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

Annual Car Insurance Rates for Senior Drivers in Guntersville, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,839 $1,874
Farmers $2,044 $2,172
GEICO $1,810 $1,872
Liberty Mutual $2,406 $2,689
Nationwide $1,494 $1,543
Progressive $1,818 $1,944
State Farm $2,843 $2,843
Travelers $1,265 $1,259
USAA $1,206 $1,179

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

Annual Car Insurance Rates by Coverage Level in Guntersville, Alabama

Insurance Company Low Medium High
Allstate $3,256 $3,366 $3,493
Farmers $3,797 $3,967 $4,292
GEICO $2,419 $2,624 $2,868
Liberty Mutual $4,809 $5,016 $5,295
Nationwide $2,476 $2,473 $2,534
Progressive $3,727 $4,131 $4,597
State Farm $4,919 $5,190 $5,474
Travelers $3,099 $3,336 $3,377
USAA $2,004 $2,069 $2,168

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

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

Annual Guntersville, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,865 $3,377 $4,007 $3,239
Farmers $3,377 $4,375 $4,267 $4,056
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $3,951 $5,506 $5,378 $5,325
Nationwide $2,188 $2,188 $3,164 $2,437
Progressive $3,746 $4,728 $4,027 $4,106
State Farm $4,669 $5,837 $5,136 $5,136
Travelers $2,724 $2,859 $4,177 $3,322
USAA $1,600 $2,011 $2,980 $1,731

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

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

Annual Car Insurance Rates After a DUI in Guntersville, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,007
Farmers $4,267
GEICO $3,548
Liberty Mutual $5,378
Nationwide $3,164
Progressive $4,027
State Farm $5,136
Travelers $4,177
USAA $2,980

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

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

Annual Car Insurance Rates by Credit Score in Guntersville, Alabama

Insurance Company Poor Fair Good
Allstate $4,164 $3,274 $2,678
Farmers $4,505 $3,877 $3,674
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,215 $4,429 $3,476
Nationwide $3,007 $2,349 $2,126
Progressive $4,671 $4,021 $3,763
State Farm $8,433 $4,261 $2,889
Travelers $3,569 $3,092 $3,150
USAA $2,792 $1,822 $1,628

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

Guntersville, 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 Guntersville if you’re financing.

Annual Car Insurance Rates by Commute Length in Guntersville, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,372 $3,372
Farmers $4,019 $4,019
GEICO $2,591 $2,683
Liberty Mutual $5,040 $5,040
Nationwide $2,494 $2,494
Progressive $4,152 $4,152
State Farm $5,070 $5,319
Travelers $3,270 $3,270
USAA $1,986 $2,176

Who has the cheapest Guntersville, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Guntersville, Alabama

Insurance Company Average Annual Rates
Allstate $3,372
Farmers $4,019
GEICO $2,637
Liberty Mutual $5,040
Nationwide $2,494
Progressive $4,152
State Farm $5,194
Travelers $3,270
USAA $2,081

What factors affect Guntersville, AL car insurance rates?

Why are Guntersville, Alabama car insurance rates different than rates in Hoover 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 Guntersville, AL?

FBI statistics show that the Guntersville, Alabama car theft rate is 41 thefts each year. High theft rates can lead to higher than average Guntersville, AL car insurance rates.

How long is the average commute in Guntersville, AL?

More time spent behind the wheel can lead to higher Guntersville, Alabama car insurance rates. In Guntersville, AL, the average commute length is 22.9 minutes.

Car Insurance Quotes for Guntersville, AL

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