Cheap Quotes for Opelika, AL Car Insurance (2021)

Opelika, Alabama car insurance rates average $290 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Opelika, AL companies, you can find cheap Opelika 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

  • Average car insurance rates in Opelika, AL for senior drivers are $1,850/year
  • Average car insurance rates in Opelika, AL are $290/month
  • The cheapest car insurance company in Opelika is USAA

How do the Opelika, Alabama monthly average car insurance rates of $290/month compare to nearby cities like Dothan car insurance rates, Hoover car insurance rates, and Tuscaloosa car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Opelika, AL.

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

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

What are the minimum Opelika, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Opelika, 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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Average Opelika, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Opelika, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Opelika, Alabama

ZIP Code Average Annual Rates
36801 $3,540
36804 $3,582

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Opelika, 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 $2,200 $2,184 $1,966 $2,088 $8,468 $8,714 $2,497 $2,595
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $2,973 $3,214 $2,439 $2,731 $10,754 $11,965 $3,168 $3,375
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,272 $2,123 $1,868 $1,998 $9,384 $10,450 $2,651 $2,801
State Farm $2,714 $2,714 $2,460 $2,460 $8,255 $10,344 $3,067 $3,530
Travelers $1,330 $1,350 $1,247 $1,243 $6,967 $10,922 $1,263 $1,448
USAA $1,338 $1,358 $1,250 $1,224 $3,994 $4,426 $1,742 $1,881

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

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

Annual Car Insurance Rates for Teen Drivers in Opelika, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,468 $8,714
GEICO $5,231 $5,122
Liberty Mutual $10,754 $11,965
Nationwide $4,321 $5,576
Progressive $9,384 $10,450
State Farm $8,255 $10,344
Travelers $6,967 $10,922
USAA $3,994 $4,426

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

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

Annual Car Insurance Rates for Senior Drivers in Opelika, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $1,966 $2,088
GEICO $1,897 $1,951
Liberty Mutual $2,439 $2,731
Nationwide $1,522 $1,577
Progressive $1,868 $1,998
State Farm $2,460 $2,460
Travelers $1,247 $1,243
USAA $1,250 $1,224

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

Annual Car Insurance Rates by Coverage Level in Opelika, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,623 $3,789 $4,105
GEICO $2,572 $2,773 $3,010
Liberty Mutual $4,841 $5,053 $5,339
Nationwide $2,517 $2,512 $2,574
Progressive $3,736 $4,170 $4,675
State Farm $4,189 $4,438 $4,702
Travelers $3,060 $3,285 $3,318
USAA $2,075 $2,140 $2,240

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

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

Annual Opelika, 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 $3,231 $4,178 $4,076 $3,870
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $3,986 $5,539 $5,423 $5,362
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,780 $4,761 $4,086 $4,147
State Farm $4,007 $4,975 $4,395 $4,395
Travelers $2,686 $2,819 $4,110 $3,270
USAA $1,655 $2,077 $3,085 $1,790

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

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

Annual Car Insurance Rates After a DUI in Opelika, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,076
GEICO $3,713
Liberty Mutual $5,423
Nationwide $3,225
Progressive $4,086
State Farm $4,395
Travelers $4,110
USAA $3,085

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

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

Annual Car Insurance Rates by Credit Score in Opelika, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,304 $3,703 $3,510
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,269 $4,459 $3,504
Nationwide $3,056 $2,387 $2,160
Progressive $4,726 $4,060 $3,794
State Farm $7,204 $3,647 $2,478
Travelers $3,515 $3,046 $3,103
USAA $2,891 $1,883 $1,681

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

Opelika, 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 Opelika if you’re financing.

Annual Car Insurance Rates by Commute Length in Opelika, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $3,839 $3,839
GEICO $2,734 $2,836
Liberty Mutual $5,077 $5,077
Nationwide $2,534 $2,534
Progressive $4,193 $4,193
State Farm $4,334 $4,552
Travelers $3,221 $3,221
USAA $2,053 $2,250

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Who has the cheapest Opelika, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Opelika, Alabama

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

What are the top Opelika, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Opelika, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $3,839
GEICO $2,785
Liberty Mutual $5,077
Nationwide $2,534
Progressive $4,193
State Farm $4,443
Travelers $3,221
USAA $2,152

What factors affect Opelika, AL car insurance rates?

Why are Opelika, Alabama car insurance rates different than rates in Dothan or Hoover? 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 Opelika, AL?

FBI statistics show that the Opelika, Alabama car theft rate is 80 thefts each year. High theft rates can lead to higher than average Opelika, AL car insurance rates.

How long is the average commute in Opelika, AL?

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

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Car Insurance Quotes for Opelika, AL

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