Cheap Quotes for Perdido Beach, AL Car Insurance (2021)

Perdido Beach, Alabama car insurance rates average $294 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Perdido Beach, AL companies, you can find cheap Perdido Beach 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 Perdido Beach is USAA
  • Perdido Beach has an average commute time of 30.1 minutes
  • Average car insurance rates in Perdido Beach, AL after a DUI are $4,045/year

How do the Perdido Beach, Alabama monthly average car insurance rates of $294/month compare to nearby cities like Tuscaloosa car insurance rates, Decatur 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 Perdido Beach, AL.

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

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

What are the minimum Perdido Beach, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Perdido Beach, 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 $1,851 $1,762 $1,677 $1,709 $6,508 $7,006 $2,065 $2,108
Farmers $2,233 $2,217 $1,995 $2,124 $8,751 $9,001 $2,534 $2,626
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,035 $3,278 $2,489 $2,786 $11,147 $12,398 $3,228 $3,433
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,279 $2,128 $1,872 $2,011 $9,191 $10,215 $2,642 $2,755
State Farm $2,552 $2,552 $2,321 $2,321 $7,827 $9,807 $2,886 $3,317
Travelers $1,681 $1,707 $1,579 $1,574 $9,217 $14,549 $1,588 $1,818
USAA $1,187 $1,204 $1,113 $1,093 $3,510 $3,888 $1,540 $1,662

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

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

Annual Car Insurance Rates for Teen Drivers in Perdido Beach, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,508 $7,006
Farmers $8,751 $9,001
GEICO $4,934 $4,812
Liberty Mutual $11,147 $12,398
Nationwide $4,274 $5,478
Progressive $9,191 $10,215
State Farm $7,827 $9,807
Travelers $9,217 $14,549
USAA $3,510 $3,888

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

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

Annual Car Insurance Rates for Senior Drivers in Perdido Beach, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,677 $1,709
Farmers $1,995 $2,124
GEICO $1,795 $1,862
Liberty Mutual $2,489 $2,786
Nationwide $1,486 $1,534
Progressive $1,872 $2,011
State Farm $2,321 $2,321
Travelers $1,579 $1,574
USAA $1,113 $1,093

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

Annual Car Insurance Rates by Coverage Level in Perdido Beach, Alabama

Insurance Company Low Medium High
Allstate $2,985 $3,082 $3,190
Farmers $3,698 $3,879 $4,228
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,977 $5,199 $5,496
Nationwide $2,452 $2,462 $2,528
Progressive $3,638 $4,107 $4,664
State Farm $3,945 $4,193 $4,456
Travelers $4,004 $4,298 $4,341
USAA $1,824 $1,888 $1,987

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

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

Annual Perdido Beach, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,620 $3,089 $3,671 $2,963
Farmers $3,310 $4,287 $4,183 $3,961
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,098 $5,705 $5,576 $5,517
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,726 $4,683 $4,043 $4,094
State Farm $3,782 $4,707 $4,152 $4,152
Travelers $3,506 $3,679 $5,400 $4,271
USAA $1,464 $1,837 $2,714 $1,584

How does a DUI affect Perdido Beach, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Perdido Beach, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,671
Farmers $4,183
GEICO $3,520
Liberty Mutual $5,576
Nationwide $3,145
Progressive $4,043
State Farm $4,152
Travelers $5,400
USAA $2,714

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

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

Annual Car Insurance Rates by Credit Score in Perdido Beach, Alabama

Insurance Company Poor Fair Good
Allstate $3,809 $2,997 $2,451
Farmers $4,412 $3,797 $3,597
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,474 $4,593 $3,606
Nationwide $2,987 $2,338 $2,118
Progressive $4,673 $4,003 $3,733
State Farm $6,803 $3,447 $2,344
Travelers $4,593 $3,986 $4,064
USAA $2,541 $1,666 $1,491

How does your commute affect Perdido Beach, AL car insurance rates?

Perdido Beach, 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 Perdido Beach if you’re financing.

Annual Car Insurance Rates by Commute Length in Perdido Beach, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,086 $3,086
Farmers $3,935 $3,935
GEICO $2,571 $2,665
Liberty Mutual $5,224 $5,224
Nationwide $2,481 $2,481
Progressive $4,136 $4,136
State Farm $4,094 $4,302
Travelers $4,214 $4,214
USAA $1,813 $1,986

Who has the cheapest Perdido Beach, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Perdido Beach, Alabama

Insurance Company Average Annual Rates
Allstate $3,086
Farmers $3,935
GEICO $2,618
Liberty Mutual $5,224
Nationwide $2,481
Progressive $4,136
State Farm $4,198
Travelers $4,214
USAA $1,900

What factors affect Perdido Beach, AL car insurance rates?

Why are Perdido Beach, Alabama car insurance rates different than rates in Tuscaloosa or Decatur? 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 Perdido Beach, AL?

More time spent behind the wheel can lead to higher Perdido Beach, Alabama car insurance rates. In Perdido Beach, AL, the average commute length is 30.1 minutes.

Car Insurance Quotes for Perdido Beach, AL

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

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