Cheap Quotes for Loachapoka, AL Car Insurance (2021)

Loachapoka, Alabama car insurance rates average $302 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Loachapoka, AL companies, you can find cheap Loachapoka 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

  • Loachapoka has an average commute time of 32.6 minutes
  • Average car insurance rates in Loachapoka, AL are $302/month
  • Average car insurance rates in Loachapoka, AL after a DUI are $4,144/year

How do the Loachapoka, Alabama monthly average car insurance rates of $302/month compare to nearby cities like Decatur car insurance rates, Huntsville car insurance rates, and Auburn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Loachapoka, AL.

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

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

What are the minimum Loachapoka, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Loachapoka, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,351 $2,329 $2,102 $2,224 $8,984 $9,241 $2,690 $2,814
GEICO $2,127 $2,102 $1,993 $2,033 $5,465 $5,384 $2,245 $2,102
Liberty Mutual $3,117 $3,368 $2,552 $2,853 $11,393 $12,670 $3,326 $3,549
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,115 $1,977 $1,742 $1,853 $8,963 $10,000 $2,484 $2,660
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,366 $1,386 $1,276 $1,249 $4,089 $4,532 $1,780 $1,921

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

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

Annual Car Insurance Rates for Teen Drivers in Loachapoka, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,984 $9,241
GEICO $5,465 $5,384
Liberty Mutual $11,393 $12,670
Nationwide $4,321 $5,576
Progressive $8,963 $10,000
State Farm $8,309 $10,427
Travelers $8,574 $13,577
USAA $4,089 $4,532

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

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

Annual Car Insurance Rates for Senior Drivers in Loachapoka, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,102 $2,224
GEICO $1,993 $2,033
Liberty Mutual $2,552 $2,853
Nationwide $1,522 $1,577
Progressive $1,742 $1,853
State Farm $2,520 $2,520
Travelers $1,484 $1,481
USAA $1,276 $1,249

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

Annual Car Insurance Rates by Coverage Level in Loachapoka, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,898 $4,048 $4,330
GEICO $2,726 $2,919 $3,149
Liberty Mutual $5,117 $5,329 $5,615
Nationwide $2,517 $2,512 $2,574
Progressive $3,583 $3,958 $4,382
State Farm $4,278 $4,514 $4,767
Travelers $3,728 $4,021 $4,076
USAA $2,121 $2,188 $2,289

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

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

Annual Loachapoka, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,438 $4,450 $4,338 $4,143
GEICO $1,994 $3,179 $3,878 $2,674
Liberty Mutual $4,197 $5,846 $5,716 $5,655
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,583 $4,525 $3,865 $3,925
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,691 $2,124 $3,155 $1,829

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

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

Annual Car Insurance Rates After a DUI in Loachapoka, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,338
GEICO $3,878
Liberty Mutual $5,716
Nationwide $3,225
Progressive $3,865
State Farm $4,472
Travelers $5,038
USAA $3,155

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

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

Annual Car Insurance Rates by Credit Score in Loachapoka, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,585 $3,949 $3,742
GEICO $3,729 $2,659 $2,405
Liberty Mutual $7,670 $4,701 $3,689
Nationwide $3,056 $2,387 $2,160
Progressive $4,468 $3,850 $3,605
State Farm $7,329 $3,709 $2,520
Travelers $4,298 $3,727 $3,800
USAA $2,956 $1,924 $1,718

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

Loachapoka, 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 Loachapoka if you’re financing.

Annual Car Insurance Rates by Commute Length in Loachapoka, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,092 $4,092
GEICO $2,876 $2,987
Liberty Mutual $5,354 $5,354
Nationwide $2,534 $2,534
Progressive $3,974 $3,974
State Farm $4,410 $4,629
Travelers $3,941 $3,941
USAA $2,099 $2,300

Who has the cheapest Loachapoka, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Loachapoka, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,092
GEICO $2,931
Liberty Mutual $5,354
Nationwide $2,534
Progressive $3,974
State Farm $4,519
Travelers $3,941
USAA $2,200

What factors affect Loachapoka, AL car insurance rates?

Why are Loachapoka, Alabama car insurance rates different than rates in Decatur or Huntsville? 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 Loachapoka, AL?

More time spent behind the wheel can lead to higher Loachapoka, Alabama car insurance rates. In Loachapoka, AL, the average commute length is 32.6 minutes.

Car Insurance Quotes for Loachapoka, AL

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

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