Cheap Quotes for Pell City, AL Car Insurance (2021)

Pell City, Alabama car insurance rates average $304 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Pell City, AL companies, you can find cheap Pell City 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 Pell City, AL are $304/month
  • Pell City has an average commute time of 25.3 minutes
  • Average car insurance rates in Pell City, AL for senior drivers are $1,929/year

How do the Pell City, Alabama monthly average car insurance rates of $304/month compare to nearby cities like Madison car insurance rates, Tuscaloosa 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 Pell City, AL.

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

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

What are the minimum Pell City, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Pell City, 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 Pell City, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Pell City, Alabama

ZIP Code Average Annual Rates
35125 $3,762
35128 $3,718

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Pell City, 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 $2,042 $1,942 $1,851 $1,886 $7,216 $7,750 $2,276 $2,324
Farmers $2,421 $2,403 $2,164 $2,298 $9,368 $9,638 $2,754 $2,865
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $3,206 $3,464 $2,627 $2,937 $11,762 $13,077 $3,417 $3,642
Nationwide $1,696 $1,716 $1,548 $1,600 $4,472 $5,749 $1,882 $2,100
Progressive $2,348 $2,194 $1,925 $2,063 $9,775 $10,889 $2,745 $2,914
State Farm $2,777 $2,777 $2,523 $2,523 $8,527 $10,659 $3,139 $3,626
Travelers $1,349 $1,369 $1,272 $1,265 $7,148 $11,164 $1,281 $1,461
USAA $1,302 $1,323 $1,214 $1,190 $3,863 $4,285 $1,696 $1,831

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

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

Annual Car Insurance Rates for Teen Drivers in Pell City, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,216 $7,750
Farmers $9,368 $9,638
GEICO $5,204 $5,101
Liberty Mutual $11,762 $13,077
Nationwide $4,472 $5,749
Progressive $9,775 $10,889
State Farm $8,527 $10,659
Travelers $7,148 $11,164
USAA $3,863 $4,285

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

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

Annual Car Insurance Rates for Senior Drivers in Pell City, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,851 $1,886
Farmers $2,164 $2,298
GEICO $1,878 $1,947
Liberty Mutual $2,627 $2,937
Nationwide $1,548 $1,600
Progressive $1,925 $2,063
State Farm $2,523 $2,523
Travelers $1,272 $1,265
USAA $1,214 $1,190

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

Annual Car Insurance Rates by Coverage Level in Pell City, Alabama

Insurance Company Low Medium High
Allstate $3,285 $3,405 $3,542
Farmers $4,004 $4,184 $4,529
GEICO $2,531 $2,743 $2,993
Liberty Mutual $5,266 $5,490 $5,793
Nationwide $2,578 $2,574 $2,635
Progressive $3,908 $4,332 $4,830
State Farm $4,308 $4,562 $4,836
Travelers $3,133 $3,354 $3,379
USAA $2,015 $2,077 $2,171

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

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

Annual Pell City, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,891 $3,415 $4,064 $3,274
Farmers $3,565 $4,614 $4,501 $4,276
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $4,322 $6,027 $5,889 $5,829
Nationwide $2,274 $2,274 $3,298 $2,535
Progressive $3,933 $4,956 $4,225 $4,312
State Farm $4,115 $5,124 $4,518 $4,518
Travelers $2,738 $2,874 $4,206 $3,337
USAA $1,606 $2,014 $2,994 $1,737

How does a DUI affect Pell City, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Pell City, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,064
Farmers $4,501
GEICO $3,711
Liberty Mutual $5,889
Nationwide $3,298
Progressive $4,225
State Farm $4,518
Travelers $4,206
USAA $2,994

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

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

Annual Car Insurance Rates by Credit Score in Pell City, Alabama

Insurance Company Poor Fair Good
Allstate $4,207 $3,314 $2,711
Farmers $4,752 $4,089 $3,875
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,906 $4,844 $3,799
Nationwide $3,130 $2,444 $2,211
Progressive $4,908 $4,218 $3,944
State Farm $7,400 $3,752 $2,554
Travelers $3,587 $3,111 $3,169
USAA $2,810 $1,825 $1,629

How does your commute affect Pell City, AL car insurance rates?

Pell City, 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 Pell City if you’re financing.

Annual Car Insurance Rates by Commute Length in Pell City, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,411 $3,411
Farmers $4,239 $4,239
GEICO $2,707 $2,804
Liberty Mutual $5,516 $5,516
Nationwide $2,595 $2,595
Progressive $4,357 $4,357
State Farm $4,458 $4,679
Travelers $3,289 $3,289
USAA $1,992 $2,183

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Who has the cheapest Pell City, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Pell City, Alabama

Insurance Company Average Annual Rates
Allstate $3,411
Farmers $4,239
GEICO $2,755
Liberty Mutual $5,516
Nationwide $2,595
Progressive $4,357
State Farm $4,569
Travelers $3,289
USAA $2,088

What factors affect Pell City, AL car insurance rates?

Why are Pell City, Alabama car insurance rates different than rates in Madison or Tuscaloosa? 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 Pell City, AL?

More time spent behind the wheel can lead to higher Pell City, Alabama car insurance rates. In Pell City, AL, the average commute length is 25.3 minutes.

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Car Insurance Quotes for Pell City, AL

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