Cheap Quotes for Luverne, AL Car Insurance (2021)

Luverne, Alabama car insurance rates average $298 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Luverne, AL companies, you can find cheap Luverne 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 Luverne is USAA
  • Luverne has an average commute time of 24.5 minutes
  • Average car insurance rates in Luverne, AL are $298/month

How do the Luverne, Alabama monthly average car insurance rates of $298/month compare to nearby cities like Huntsville car insurance rates, Madison 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 Luverne, AL.

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

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

What are the minimum Luverne, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Luverne, 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 $1,964 $1,885 $1,764 $1,801 $6,532 $7,020 $2,232 $2,292
Farmers $2,167 $2,153 $1,937 $2,056 $8,282 $8,525 $2,458 $2,556
GEICO $1,919 $1,894 $1,817 $1,864 $4,936 $4,820 $2,027 $1,875
Liberty Mutual $3,021 $3,265 $2,483 $2,774 $10,830 $12,034 $3,221 $3,434
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,382 $2,245 $1,951 $2,078 $9,562 $10,688 $2,792 $2,974
State Farm $2,834 $2,834 $2,524 $2,524 $8,003 $10,058 $3,187 $3,661
Travelers $1,597 $1,624 $1,487 $1,484 $8,335 $13,051 $1,514 $1,761
USAA $1,339 $1,364 $1,250 $1,232 $3,940 $4,375 $1,744 $1,890

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

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

Annual Car Insurance Rates for Teen Drivers in Luverne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,532 $7,020
Farmers $8,282 $8,525
GEICO $4,936 $4,820
Liberty Mutual $10,830 $12,034
Nationwide $4,418 $5,752
Progressive $9,562 $10,688
State Farm $8,003 $10,058
Travelers $8,335 $13,051
USAA $3,940 $4,375

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

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

Annual Car Insurance Rates for Senior Drivers in Luverne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,764 $1,801
Farmers $1,937 $2,056
GEICO $1,817 $1,864
Liberty Mutual $2,483 $2,774
Nationwide $1,577 $1,642
Progressive $1,951 $2,078
State Farm $2,524 $2,524
Travelers $1,487 $1,484
USAA $1,250 $1,232

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

Annual Car Insurance Rates by Coverage Level in Luverne, Alabama

Insurance Company Low Medium High
Allstate $3,083 $3,182 $3,294
Farmers $3,557 $3,718 $4,025
GEICO $2,433 $2,631 $2,867
Liberty Mutual $4,912 $5,110 $5,377
Nationwide $2,624 $2,595 $2,649
Progressive $3,912 $4,311 $4,780
State Farm $4,247 $4,445 $4,668
Travelers $3,690 $3,934 $3,947
USAA $2,065 $2,130 $2,231

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

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

Annual Luverne, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,735 $3,205 $3,740 $3,064
Farmers $3,172 $4,098 $3,998 $3,798
GEICO $1,796 $2,872 $3,506 $2,401
Liberty Mutual $4,025 $5,602 $5,483 $5,421
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,923 $4,911 $4,195 $4,307
State Farm $4,058 $4,936 $4,409 $4,409
Travelers $3,213 $3,374 $4,920 $3,920
USAA $1,648 $2,063 $3,073 $1,783

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

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

Annual Car Insurance Rates After a DUI in Luverne, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,740
Farmers $3,998
GEICO $3,506
Liberty Mutual $5,483
Nationwide $3,353
Progressive $4,195
State Farm $4,409
Travelers $4,920
USAA $3,073

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

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

Annual Car Insurance Rates by Credit Score in Luverne, Alabama

Insurance Company Poor Fair Good
Allstate $3,949 $3,087 $2,522
Farmers $4,224 $3,632 $3,443
GEICO $3,361 $2,399 $2,171
Liberty Mutual $7,356 $4,505 $3,538
Nationwide $3,171 $2,467 $2,229
Progressive $4,907 $4,190 $3,906
State Farm $7,211 $3,658 $2,490
Travelers $4,211 $3,646 $3,713
USAA $2,880 $1,873 $1,672

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

Luverne, 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 Luverne if you’re financing.

Annual Car Insurance Rates by Commute Length in Luverne, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,186 $3,186
Farmers $3,767 $3,767
GEICO $2,594 $2,694
Liberty Mutual $5,133 $5,133
Nationwide $2,623 $2,623
Progressive $4,334 $4,334
State Farm $4,349 $4,558
Travelers $3,857 $3,857
USAA $2,044 $2,240

Who has the cheapest Luverne, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Luverne, Alabama

Insurance Company Average Annual Rates
Allstate $3,186
Farmers $3,767
GEICO $2,644
Liberty Mutual $5,133
Nationwide $2,623
Progressive $4,334
State Farm $4,453
Travelers $3,857
USAA $2,142

What factors affect Luverne, AL car insurance rates?

Why are Luverne, Alabama car insurance rates different than rates in Huntsville or Madison? 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 Luverne, AL?

More time spent behind the wheel can lead to higher Luverne, Alabama car insurance rates. In Luverne, AL, the average commute length is 24.5 minutes.

Car Insurance Quotes for Luverne, AL

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