Cheap Quotes for Needham, AL Car Insurance (2021)

Needham, Alabama car insurance rates average $312 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Needham, AL companies, you can find cheap Needham 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

  • Needham has an average commute time of 55.0 minutes
  • Average car insurance rates in Needham, AL after a DUI are $4,276/year
  • The cheapest car insurance company in Needham is USAA

How do the Needham, Alabama monthly average car insurance rates of $312/month compare to nearby cities like Mobile car insurance rates, Birmingham car insurance rates, and Dothan car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Needham, AL.

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

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

What are the minimum Needham, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Needham, 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 $2,108 $2,025 $1,893 $1,931 $6,868 $7,365 $2,398 $2,468
Farmers $2,560 $2,544 $2,293 $2,416 $9,417 $9,702 $2,926 $3,078
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,209 $3,473 $2,631 $2,946 $11,280 $12,554 $3,433 $3,673
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,460 $2,320 $2,011 $2,149 $9,691 $10,827 $2,873 $3,039
State Farm $2,785 $2,785 $2,484 $2,484 $7,946 $9,992 $3,135 $3,598
Travelers $1,666 $1,694 $1,550 $1,548 $8,818 $13,900 $1,576 $1,831
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 Needham, AL?

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

Annual Car Insurance Rates for Teen Drivers in Needham, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,868 $7,365
Farmers $9,417 $9,702
GEICO $5,292 $5,199
Liberty Mutual $11,280 $12,554
Nationwide $4,418 $5,752
Progressive $9,691 $10,827
State Farm $7,946 $9,992
Travelers $8,818 $13,900
USAA $4,083 $4,536

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

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

Annual Car Insurance Rates for Senior Drivers in Needham, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,893 $1,931
Farmers $2,293 $2,416
GEICO $1,937 $1,974
Liberty Mutual $2,631 $2,946
Nationwide $1,577 $1,642
Progressive $2,011 $2,149
State Farm $2,484 $2,484
Travelers $1,550 $1,548
USAA $1,288 $1,268

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

Annual Car Insurance Rates by Coverage Level in Needham, Alabama

Insurance Company Low Medium High
Allstate $3,274 $3,374 $3,498
Farmers $4,180 $4,325 $4,597
GEICO $2,643 $2,832 $3,058
Liberty Mutual $5,165 $5,375 $5,659
Nationwide $2,624 $2,595 $2,649
Progressive $3,962 $4,393 $4,908
State Farm $4,193 $4,395 $4,616
Travelers $3,877 $4,155 $4,187
USAA $2,139 $2,204 $2,302

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

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

Annual Needham, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,907 $3,397 $3,969 $3,254
Farmers $3,677 $4,738 $4,620 $4,433
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,238 $5,882 $5,776 $5,702
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $4,004 $5,000 $4,281 $4,400
State Farm $4,006 $4,885 $4,357 $4,357
Travelers $3,394 $3,563 $5,197 $4,138
USAA $1,703 $2,133 $3,182 $1,843

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

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

Annual Car Insurance Rates After a DUI in Needham, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
Farmers $4,620
GEICO $3,748
Liberty Mutual $5,776
Nationwide $3,353
Progressive $4,281
State Farm $4,357
Travelers $5,197
USAA $3,182

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

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

Annual Car Insurance Rates by Credit Score in Needham, Alabama

Insurance Company Poor Fair Good
Allstate $4,198 $3,273 $2,675
Farmers $4,903 $4,208 $3,991
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,753 $4,730 $3,716
Nationwide $3,171 $2,467 $2,229
Progressive $5,016 $4,272 $3,976
State Farm $7,136 $3,613 $2,455
Travelers $4,445 $3,850 $3,923
USAA $2,984 $1,935 $1,726

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

Needham, 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 Needham if you’re financing.

Annual Car Insurance Rates by Commute Length in Needham, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,382 $3,382
Farmers $4,367 $4,367
GEICO $2,789 $2,899
Liberty Mutual $5,400 $5,400
Nationwide $2,623 $2,623
Progressive $4,421 $4,421
State Farm $4,297 $4,506
Travelers $4,073 $4,073
USAA $2,114 $2,317

Who has the cheapest Needham, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Needham, Alabama

Insurance Company Average Annual Rates
Allstate $3,382
Farmers $4,367
GEICO $2,844
Liberty Mutual $5,400
Nationwide $2,623
Progressive $4,421
State Farm $4,401
Travelers $4,073
USAA $2,215

What factors affect Needham, AL car insurance rates?

Why are Needham, Alabama car insurance rates different than rates in Mobile or Birmingham? 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 Needham, AL?

More time spent behind the wheel can lead to higher Needham, Alabama car insurance rates. In Needham, AL, the average commute length is 55.0 minutes.

Car Insurance Quotes for Needham, AL

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