Cheap Quotes for Horton, AL Car Insurance (2021)

Horton, Alabama car insurance rates average $298 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Horton, AL companies, you can find cheap Horton 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 Horton, AL after a DUI are $4,072/year
  • The cheapest car insurance company in Horton is USAA
  • Average car insurance rates in Horton, AL are $298/month

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

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

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

What are the minimum Horton, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Horton, 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 $2,016 $1,921 $1,821 $1,856 $6,983 $7,489 $2,260 $2,314
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 $1,696 $1,716 $1,548 $1,600 $4,472 $5,749 $1,882 $2,100
Progressive $2,217 $2,072 $1,818 $1,944 $9,352 $10,436 $2,597 $2,778
State Farm $2,987 $2,987 $2,701 $2,701 $9,082 $11,340 $3,374 $3,917
Travelers $1,381 $1,402 $1,299 $1,292 $7,255 $11,329 $1,310 $1,501
USAA $1,327 $1,347 $1,238 $1,212 $3,975 $4,408 $1,732 $1,868

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

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

Annual Car Insurance Rates for Teen Drivers in Horton, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,983 $7,489
Farmers $8,901 $9,156
GEICO $4,963 $4,863
Liberty Mutual $10,743 $11,940
Nationwide $4,472 $5,749
Progressive $9,352 $10,436
State Farm $9,082 $11,340
Travelers $7,255 $11,329
USAA $3,975 $4,408

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

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

Annual Car Insurance Rates for Senior Drivers in Horton, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,821 $1,856
Farmers $2,044 $2,172
GEICO $1,810 $1,872
Liberty Mutual $2,406 $2,689
Nationwide $1,548 $1,600
Progressive $1,818 $1,944
State Farm $2,701 $2,701
Travelers $1,299 $1,292
USAA $1,238 $1,212

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

Annual Car Insurance Rates by Coverage Level in Horton, Alabama

Insurance Company Low Medium High
Allstate $3,217 $3,327 $3,454
Farmers $3,797 $3,967 $4,292
GEICO $2,419 $2,624 $2,868
Liberty Mutual $4,809 $5,016 $5,295
Nationwide $2,578 $2,574 $2,635
Progressive $3,727 $4,131 $4,597
State Farm $4,639 $4,879 $5,141
Travelers $3,187 $3,413 $3,439
USAA $2,064 $2,127 $2,223

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

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

Annual Horton, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,833 $3,338 $3,958 $3,201
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 $2,274 $2,274 $3,298 $2,535
Progressive $3,746 $4,728 $4,027 $4,106
State Farm $4,407 $5,472 $4,833 $4,833
Travelers $2,786 $2,924 $4,275 $3,399
USAA $1,644 $2,064 $3,067 $1,778

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

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

Annual Car Insurance Rates After a DUI in Horton, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,958
Farmers $4,267
GEICO $3,548
Liberty Mutual $5,378
Nationwide $3,298
Progressive $4,027
State Farm $4,833
Travelers $4,275
USAA $3,067

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

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

Annual Car Insurance Rates by Credit Score in Horton, Alabama

Insurance Company Poor Fair Good
Allstate $4,116 $3,234 $2,647
Farmers $4,505 $3,877 $3,674
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,215 $4,429 $3,476
Nationwide $3,130 $2,444 $2,211
Progressive $4,671 $4,021 $3,763
State Farm $7,919 $4,012 $2,727
Travelers $3,652 $3,164 $3,223
USAA $2,877 $1,869 $1,668

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

Horton, 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 Horton if you’re financing.

Annual Car Insurance Rates by Commute Length in Horton, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,333 $3,333
Farmers $4,019 $4,019
GEICO $2,591 $2,683
Liberty Mutual $5,040 $5,040
Nationwide $2,595 $2,595
Progressive $4,152 $4,152
State Farm $4,771 $5,001
Travelers $3,346 $3,346
USAA $2,040 $2,236

Who has the cheapest Horton, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Horton, Alabama

Insurance Company Average Annual Rates
Allstate $3,333
Farmers $4,019
GEICO $2,637
Liberty Mutual $5,040
Nationwide $2,595
Progressive $4,152
State Farm $4,886
Travelers $3,346
USAA $2,138

Car Insurance Quotes for Horton, AL

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