Cheap Quotes for Hoover, AL Car Insurance (2021)

Hoover, Alabama car insurance rates average $328 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Hoover, AL companies, you can find cheap Hoover 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 Hoover, AL after a DUI are $4,496/year
  • Hoover has an average commute time of 23.8 minutes
  • The cheapest car insurance company in Hoover is USAA

How do the Hoover, Alabama monthly average car insurance rates of $328/month compare to nearby cities like Mobile car insurance rates, Tuscaloosa 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 Hoover, AL.

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

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

What are the minimum Hoover, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by ZIP Code in Hoover, Alabama

ZIP Code Average Annual Rates
35216 $4,031
35244 $4,090

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hoover, 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 $2,125 $2,014 $1,936 $1,972 $7,767 $8,368 $2,350 $2,390
Farmers $2,489 $2,467 $2,219 $2,366 $9,961 $10,251 $2,830 $2,928
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,914 $3,143 $2,388 $2,671 $11,001 $12,227 $3,091 $3,276
Nationwide $1,842 $1,864 $1,679 $1,736 $4,958 $6,376 $2,050 $2,292
Progressive $2,574 $2,391 $2,127 $2,263 $11,254 $12,539 $3,025 $3,245
State Farm $3,385 $3,385 $3,092 $3,092 $10,751 $13,432 $3,838 $4,446
Travelers $1,441 $1,461 $1,364 $1,359 $8,030 $12,689 $1,366 $1,538
USAA $1,322 $1,339 $1,234 $1,205 $3,967 $4,395 $1,722 $1,855

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

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

Annual Car Insurance Rates for Teen Drivers in Hoover, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,767 $8,368
Farmers $9,961 $10,251
GEICO $5,892 $5,777
Liberty Mutual $11,001 $12,227
Nationwide $4,958 $6,376
Progressive $11,254 $12,539
State Farm $10,751 $13,432
Travelers $8,030 $12,689
USAA $3,967 $4,395

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

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

Annual Car Insurance Rates for Senior Drivers in Hoover, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $1,972
Farmers $2,219 $2,366
GEICO $2,089 $2,177
Liberty Mutual $2,388 $2,671
Nationwide $1,679 $1,736
Progressive $2,127 $2,263
State Farm $3,092 $3,092
Travelers $1,364 $1,359
USAA $1,234 $1,205

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

Annual Car Insurance Rates by Coverage Level in Hoover, Alabama

Insurance Company Low Medium High
Allstate $3,479 $3,610 $3,757
Farmers $4,173 $4,376 $4,768
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,852 $5,065 $5,350
Nationwide $2,839 $2,824 $2,885
Progressive $4,439 $4,910 $5,433
State Farm $5,348 $5,674 $6,010
Travelers $3,464 $3,728 $3,776
USAA $2,055 $2,119 $2,216

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

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

Annual Hoover, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,048 $3,615 $4,331 $3,467
Farmers $3,729 $4,841 $4,722 $4,463
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $3,990 $5,567 $5,424 $5,374
Nationwide $2,492 $2,492 $3,631 $2,782
Progressive $4,430 $5,628 $4,802 $4,849
State Farm $5,091 $6,395 $5,612 $5,612
Travelers $3,044 $3,191 $4,693 $3,695
USAA $1,637 $2,058 $3,053 $1,771

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

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

Annual Car Insurance Rates After a DUI in Hoover, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,331
Farmers $4,722
GEICO $4,199
Liberty Mutual $5,424
Nationwide $3,631
Progressive $4,802
State Farm $5,612
Travelers $4,693
USAA $3,053

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

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

Annual Car Insurance Rates by Credit Score in Hoover, Alabama

Insurance Company Poor Fair Good
Allstate $4,448 $3,519 $2,878
Farmers $4,966 $4,288 $4,062
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,260 $4,485 $3,522
Nationwide $3,439 $2,683 $2,426
Progressive $5,515 $4,780 $4,487
State Farm $9,223 $4,655 $3,154
Travelers $3,979 $3,460 $3,528
USAA $2,863 $1,863 $1,663

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

Hoover, 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 Hoover if you’re financing.

Annual Car Insurance Rates by Commute Length in Hoover, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,615 $3,615
Farmers $4,439 $4,439
GEICO $3,039 $3,144
Liberty Mutual $5,089 $5,089
Nationwide $2,849 $2,849
Progressive $4,927 $4,927
State Farm $5,538 $5,817
Travelers $3,656 $3,656
USAA $2,032 $2,227

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Who has the cheapest Hoover, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Hoover, Alabama

Insurance Company Average Annual Rates
Allstate $3,615
Farmers $4,439
GEICO $3,092
Liberty Mutual $5,089
Nationwide $2,849
Progressive $4,927
State Farm $5,677
Travelers $3,656
USAA $2,130

What factors affect Hoover, AL car insurance rates?

Why are Hoover, Alabama car insurance rates different than rates in Mobile or Tuscaloosa? 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 Hoover, AL?

More time spent behind the wheel can lead to higher Hoover, Alabama car insurance rates. In Hoover, AL, the average commute length is 23.8 minutes.

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Car Insurance Quotes for Hoover, AL

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