Cheap Quotes for Red Bay, AL Car Insurance (2021)

Red Bay, Alabama car insurance rates average $291 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Red Bay, AL companies, you can find cheap Red Bay 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 Red Bay, AL are $291/month
  • The cheapest car insurance company in Red Bay is USAA
  • Red Bay has an average commute time of 29.4 minutes

How do the Red Bay, Alabama monthly average car insurance rates of $291/month compare to nearby cities like Hoover car insurance rates, Huntsville 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 Red Bay, AL.

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

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

What are the minimum Red Bay, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Red Bay, 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 $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,304 $2,287 $2,061 $2,182 $8,764 $9,021 $2,629 $2,749
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,949 $3,190 $2,423 $2,712 $10,388 $11,559 $3,148 $3,362
Nationwide $1,762 $1,783 $1,605 $1,661 $4,672 $6,014 $1,957 $2,187
Progressive $2,338 $2,203 $1,914 $2,044 $9,295 $10,371 $2,737 $2,898
State Farm $2,624 $2,624 $2,361 $2,361 $7,798 $9,761 $2,961 $3,422
Travelers $1,443 $1,465 $1,356 $1,350 $7,680 $12,061 $1,366 $1,564
USAA $1,274 $1,295 $1,187 $1,164 $3,761 $4,171 $1,657 $1,790

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

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

Annual Car Insurance Rates for Teen Drivers in Red Bay, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $8,764 $9,021
GEICO $4,918 $4,831
Liberty Mutual $10,388 $11,559
Nationwide $4,672 $6,014
Progressive $9,295 $10,371
State Farm $7,798 $9,761
Travelers $7,680 $12,061
USAA $3,761 $4,171

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

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

Annual Car Insurance Rates for Senior Drivers in Red Bay, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,061 $2,182
GEICO $1,804 $1,850
Liberty Mutual $2,423 $2,712
Nationwide $1,605 $1,661
Progressive $1,914 $2,044
State Farm $2,361 $2,361
Travelers $1,356 $1,350
USAA $1,187 $1,164

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

Annual Car Insurance Rates by Coverage Level in Red Bay, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,797 $3,952 $4,250
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,740 $4,943 $5,216
Nationwide $2,698 $2,680 $2,738
Progressive $3,820 $4,200 $4,656
State Farm $4,028 $4,232 $4,456
Travelers $3,355 $3,606 $3,645
USAA $1,967 $2,027 $2,117

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

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

Annual Red Bay, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,363 $4,348 $4,240 $4,047
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,901 $5,410 $5,310 $5,244
Nationwide $2,367 $2,367 $3,444 $2,642
Progressive $3,828 $4,784 $4,085 $4,203
State Farm $3,836 $4,732 $4,194 $4,194
Travelers $2,944 $3,090 $4,519 $3,590
USAA $1,568 $1,965 $2,921 $1,696

How does a DUI affect Red Bay, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Red Bay, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,700
Farmers $4,240
GEICO $3,504
Liberty Mutual $5,310
Nationwide $3,444
Progressive $4,085
State Farm $4,194
Travelers $4,519
USAA $2,921

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

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

Annual Car Insurance Rates by Credit Score in Red Bay, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,488 $3,856 $3,655
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,122 $4,354 $3,423
Nationwide $3,266 $2,547 $2,303
Progressive $4,789 $4,083 $3,803
State Farm $6,870 $3,480 $2,366
Travelers $3,857 $3,343 $3,407
USAA $2,744 $1,780 $1,588

How does your commute affect Red Bay, AL car insurance rates?

Red Bay, 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 Red Bay if you’re financing.

Annual Car Insurance Rates by Commute Length in Red Bay, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,000 $4,000
GEICO $2,587 $2,686
Liberty Mutual $4,966 $4,966
Nationwide $2,705 $2,705
Progressive $4,225 $4,225
State Farm $4,139 $4,339
Travelers $3,535 $3,535
USAA $1,944 $2,130

Who has the cheapest Red Bay, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Red Bay, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,000
GEICO $2,637
Liberty Mutual $4,966
Nationwide $2,705
Progressive $4,225
State Farm $4,239
Travelers $3,535
USAA $2,037

What factors affect Red Bay, AL car insurance rates?

Why are Red Bay, Alabama car insurance rates different than rates in Hoover or Huntsville? 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 Red Bay, AL?

FBI statistics show that the Red Bay, Alabama car theft rate is 6 thefts each year. High theft rates can lead to higher than average Red Bay, AL car insurance rates.

How long is the average commute in Red Bay, AL?

More time spent behind the wheel can lead to higher Red Bay, Alabama car insurance rates. In Red Bay, AL, the average commute length is 29.4 minutes.

Car Insurance Quotes for Red Bay, AL

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