Cheap Quotes for Mountain Brook, AL Car Insurance (2021)

Mountain Brook, Alabama car insurance rates average $323 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Mountain Brook, AL companies, you can find cheap Mountain Brook 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 Mountain Brook is USAA
  • Average car insurance rates in Mountain Brook, AL are $323/month
  • Mountain Brook has an average commute time of 17.8 minutes

How do the Mountain Brook, Alabama monthly average car insurance rates of $323/month compare to nearby cities like Huntsville car insurance rates, Dothan car insurance rates, and Decatur car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Mountain Brook, AL.

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

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

What are the minimum Mountain Brook, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mountain Brook, 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 $2,147 $2,035 $1,954 $1,991 $7,846 $8,452 $2,377 $2,420
Farmers $2,315 $2,295 $2,064 $2,201 $9,251 $9,521 $2,626 $2,713
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,859 $3,083 $2,345 $2,624 $10,778 $11,979 $3,029 $3,206
Nationwide $1,848 $1,869 $1,684 $1,741 $4,971 $6,395 $2,056 $2,299
Progressive $2,606 $2,426 $2,155 $2,288 $11,376 $12,680 $3,072 $3,304
State Farm $3,221 $3,221 $2,939 $2,939 $10,212 $12,743 $3,651 $4,242
Travelers $1,426 $1,445 $1,351 $1,345 $7,957 $12,562 $1,351 $1,518
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 Mountain Brook, AL?

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

Annual Car Insurance Rates for Teen Drivers in Mountain Brook, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,846 $8,452
Farmers $9,251 $9,521
GEICO $5,892 $5,777
Liberty Mutual $10,778 $11,979
Nationwide $4,971 $6,395
Progressive $11,376 $12,680
State Farm $10,212 $12,743
Travelers $7,957 $12,562
USAA $3,967 $4,395

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

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

Annual Car Insurance Rates for Senior Drivers in Mountain Brook, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,954 $1,991
Farmers $2,064 $2,201
GEICO $2,089 $2,177
Liberty Mutual $2,345 $2,624
Nationwide $1,684 $1,741
Progressive $2,155 $2,288
State Farm $2,939 $2,939
Travelers $1,351 $1,345
USAA $1,234 $1,205

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

Annual Car Insurance Rates by Coverage Level in Mountain Brook, Alabama

Insurance Company Low Medium High
Allstate $3,519 $3,647 $3,791
Farmers $3,872 $4,064 $4,434
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,749 $4,964 $5,251
Nationwide $2,846 $2,833 $2,894
Progressive $4,528 $4,972 $5,465
State Farm $5,095 $5,392 $5,701
Travelers $3,430 $3,690 $3,738
USAA $2,055 $2,119 $2,216

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

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

Annual Mountain Brook, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,078 $3,651 $4,378 $3,503
Farmers $3,466 $4,498 $4,388 $4,142
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $3,913 $5,456 $5,316 $5,267
Nationwide $2,499 $2,499 $3,643 $2,791
Progressive $4,490 $5,699 $4,852 $4,913
State Farm $4,839 $6,077 $5,334 $5,334
Travelers $3,013 $3,159 $4,648 $3,658
USAA $1,637 $2,058 $3,053 $1,771

How does a DUI affect Mountain Brook, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Mountain Brook, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,378
Farmers $4,388
GEICO $4,199
Liberty Mutual $5,316
Nationwide $3,643
Progressive $4,852
State Farm $5,334
Travelers $4,648
USAA $3,053

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

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

Annual Car Insurance Rates by Credit Score in Mountain Brook, Alabama

Insurance Company Poor Fair Good
Allstate $4,494 $3,556 $2,908
Farmers $4,612 $3,984 $3,774
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,112 $4,397 $3,454
Nationwide $3,449 $2,691 $2,434
Progressive $5,587 $4,838 $4,541
State Farm $8,763 $4,425 $3,000
Travelers $3,939 $3,426 $3,493
USAA $2,863 $1,863 $1,663

How does your commute affect Mountain Brook, AL car insurance rates?

Mountain Brook, 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 Mountain Brook if you’re financing.

Annual Car Insurance Rates by Commute Length in Mountain Brook, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,653 $3,653
Farmers $4,123 $4,123
GEICO $3,039 $3,144
Liberty Mutual $4,988 $4,988
Nationwide $2,858 $2,858
Progressive $4,988 $4,988
State Farm $5,265 $5,527
Travelers $3,619 $3,619
USAA $2,032 $2,227

Who has the cheapest Mountain Brook, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Mountain Brook, Alabama

Insurance Company Average Annual Rates
Allstate $3,653
Farmers $4,123
GEICO $3,092
Liberty Mutual $4,988
Nationwide $2,858
Progressive $4,988
State Farm $5,396
Travelers $3,619
USAA $2,130

What factors affect Mountain Brook, AL car insurance rates?

Why are Mountain Brook, Alabama car insurance rates different than rates in Huntsville or Dothan? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Mountain Brook, AL?

FBI statistics show that the Mountain Brook, Alabama car theft rate is 6 thefts each year. High theft rates can lead to higher than average Mountain Brook, AL car insurance rates.

How long is the average commute in Mountain Brook, AL?

More time spent behind the wheel can lead to higher Mountain Brook, Alabama car insurance rates. In Mountain Brook, AL, the average commute length is 17.8 minutes.

Car Insurance Quotes for Mountain Brook, AL

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