Cheap Quotes for Jefferson, AL Car Insurance (2021)

Jefferson, Alabama car insurance rates average $310 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Jefferson, AL companies, you can find cheap Jefferson 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 Jefferson, AL after a DUI are $4,242/year
  • Average car insurance rates in Jefferson, AL are $310/month
  • Average car insurance rates in Jefferson, AL for senior drivers are $1,987/year

How do the Jefferson, Alabama monthly average car insurance rates of $310/month compare to nearby cities like Dothan car insurance rates, Montgomery car insurance rates, and Mobile car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Jefferson, AL.

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

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

What are the minimum Jefferson, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jefferson, 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 $2,146 $2,059 $1,929 $1,968 $7,049 $7,554 $2,436 $2,505
Farmers $2,414 $2,398 $2,159 $2,289 $9,213 $9,484 $2,748 $2,867
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,076 $3,327 $2,524 $2,826 $10,975 $12,213 $3,282 $3,503
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,432 $2,293 $1,989 $2,128 $9,513 $10,616 $2,836 $2,985
State Farm $2,940 $2,940 $2,624 $2,624 $8,362 $10,517 $3,308 $3,791
Travelers $1,623 $1,652 $1,510 $1,507 $8,472 $13,283 $1,538 $1,793
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

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

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

Annual Car Insurance Rates for Teen Drivers in Jefferson, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,049 $7,554
Farmers $9,213 $9,484
GEICO $5,292 $5,199
Liberty Mutual $10,975 $12,213
Nationwide $4,418 $5,752
Progressive $9,513 $10,616
State Farm $8,362 $10,517
Travelers $8,472 $13,283
USAA $4,083 $4,536

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

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

Annual Car Insurance Rates for Senior Drivers in Jefferson, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,929 $1,968
Farmers $2,159 $2,289
GEICO $1,937 $1,974
Liberty Mutual $2,524 $2,826
Nationwide $1,577 $1,642
Progressive $1,989 $2,128
State Farm $2,624 $2,624
Travelers $1,510 $1,507
USAA $1,288 $1,268

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

Annual Car Insurance Rates by Coverage Level in Jefferson, Alabama

Insurance Company Low Medium High
Allstate $3,335 $3,448 $3,584
Farmers $3,972 $4,144 $4,473
GEICO $2,643 $2,832 $3,058
Liberty Mutual $4,977 $5,191 $5,480
Nationwide $2,624 $2,595 $2,649
Progressive $3,888 $4,320 $4,839
State Farm $4,411 $4,630 $4,873
Travelers $3,750 $4,001 $4,016
USAA $2,139 $2,204 $2,302

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

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

Annual Jefferson, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,967 $3,472 $4,060 $3,324
Farmers $3,531 $4,563 $4,452 $4,240
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,094 $5,686 $5,575 $5,508
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,937 $4,914 $4,217 $4,329
State Farm $4,223 $5,146 $4,592 $4,592
Travelers $3,268 $3,432 $5,002 $3,987
USAA $1,703 $2,133 $3,182 $1,843

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

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

Annual Car Insurance Rates After a DUI in Jefferson, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,060
Farmers $4,452
GEICO $3,748
Liberty Mutual $5,575
Nationwide $3,353
Progressive $4,217
State Farm $4,592
Travelers $5,002
USAA $3,182

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

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

Annual Car Insurance Rates by Credit Score in Jefferson, Alabama

Insurance Company Poor Fair Good
Allstate $4,287 $3,345 $2,735
Farmers $4,709 $4,046 $3,835
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,478 $4,575 $3,594
Nationwide $3,171 $2,467 $2,229
Progressive $4,937 $4,201 $3,909
State Farm $7,514 $3,809 $2,592
Travelers $4,283 $3,708 $3,777
USAA $2,984 $1,935 $1,726

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

Jefferson, 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 Jefferson if you’re financing.

Annual Car Insurance Rates by Commute Length in Jefferson, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,456 $3,456
Farmers $4,196 $4,196
GEICO $2,789 $2,899
Liberty Mutual $5,216 $5,216
Nationwide $2,623 $2,623
Progressive $4,349 $4,349
State Farm $4,528 $4,748
Travelers $3,922 $3,922
USAA $2,114 $2,317

Who has the cheapest Jefferson, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Jefferson, Alabama

Insurance Company Average Annual Rates
Allstate $3,456
Farmers $4,196
GEICO $2,844
Liberty Mutual $5,216
Nationwide $2,623
Progressive $4,349
State Farm $4,638
Travelers $3,922
USAA $2,215

What factors affect Jefferson, AL car insurance rates?

Why are Jefferson, Alabama car insurance rates different than rates in Dothan or Montgomery? 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 Jefferson, AL?

More time spent behind the wheel can lead to higher Jefferson, Alabama car insurance rates. In Jefferson, AL, the average commute length is 26.8 minutes.

Car Insurance Quotes for Jefferson, AL

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