Cheap Quotes for Muscle Shoals, AL Car Insurance (2021)

Muscle Shoals, Alabama car insurance rates average $280 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Muscle Shoals, AL companies, you can find cheap Muscle Shoals car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Average car insurance rates in Muscle Shoals, AL after a DUI are $3,827/year
  • Muscle Shoals has an average commute time of 19.6 minutes
  • Average car insurance rates in Muscle Shoals, AL are $280/month

How do the Muscle Shoals, Alabama monthly average car insurance rates of $280/month compare to nearby cities like Dothan car insurance rates, Decatur 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 Muscle Shoals, AL.

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

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

What are the minimum Muscle Shoals, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Muscle Shoals, 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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How do age, gender, and marital status affect Muscle Shoals, AL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Muscle Shoals, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,117 $2,100 $1,890 $2,014 $8,315 $8,550 $2,396 $2,475
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,153 $2,007 $1,769 $1,895 $9,011 $10,033 $2,509 $2,654
State Farm $2,590 $2,590 $2,361 $2,361 $8,037 $10,062 $2,930 $3,372
Travelers $1,324 $1,343 $1,248 $1,243 $7,118 $11,213 $1,255 $1,424
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

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

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

Annual Car Insurance Rates for Teen Drivers in Muscle Shoals, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,315 $8,550
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $9,011 $10,033
State Farm $8,037 $10,062
Travelers $7,118 $11,213
USAA $3,726 $4,122

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

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

Annual Car Insurance Rates for Senior Drivers in Muscle Shoals, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,890 $2,014
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,769 $1,895
State Farm $2,361 $2,361
Travelers $1,248 $1,243
USAA $1,160 $1,130

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

Annual Car Insurance Rates by Coverage Level in Muscle Shoals, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,505 $3,680 $4,012
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,551 $3,982 $4,479
State Farm $4,025 $4,283 $4,556
Travelers $3,092 $3,336 $3,384
USAA $1,926 $1,987 $2,080

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

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

Annual Muscle Shoals, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,141 $4,069 $3,970 $3,750
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,604 $4,551 $3,906 $3,954
State Farm $3,856 $4,816 $4,240 $4,240
Travelers $2,726 $2,860 $4,182 $3,315
USAA $1,538 $1,933 $2,859 $1,662

How does a DUI affect Muscle Shoals, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Muscle Shoals, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,639
Farmers $3,970
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $3,906
State Farm $4,240
Travelers $4,182
USAA $2,859

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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

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

Annual Car Insurance Rates by Credit Score in Muscle Shoals, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,179 $3,603 $3,415
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,505 $3,879 $3,628
State Farm $6,951 $3,520 $2,393
Travelers $3,565 $3,094 $3,153
USAA $2,683 $1,749 $1,562

How does your commute affect Muscle Shoals, AL car insurance rates?

Muscle Shoals, 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 Muscle Shoals if you’re financing.

Annual Car Insurance Rates by Commute Length in Muscle Shoals, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,732 $3,732
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $4,004 $4,004
State Farm $4,182 $4,394
Travelers $3,271 $3,271
USAA $1,907 $2,089

Who has the cheapest Muscle Shoals, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Muscle Shoals, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the top Muscle Shoals, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Muscle Shoals, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,732
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $4,004
State Farm $4,288
Travelers $3,271
USAA $1,998

What factors affect Muscle Shoals, AL car insurance rates?

Why are Muscle Shoals, Alabama car insurance rates different than rates in Dothan or Decatur? 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 Muscle Shoals, AL?

FBI statistics show that the Muscle Shoals, Alabama car theft rate is 65 thefts each year. High theft rates can lead to higher than average Muscle Shoals, AL car insurance rates.

How long is the average commute in Muscle Shoals, AL?

More time spent behind the wheel can lead to higher Muscle Shoals, Alabama car insurance rates. In Muscle Shoals, AL, the average commute length is 19.6 minutes.

Car Insurance Quotes for Muscle Shoals, AL

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

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption