Cheap Quotes for Salem, AL Car Insurance (2021)

Salem, Alabama car insurance rates average $317 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Salem, AL companies, you can find cheap Salem 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 Salem, AL after a DUI are $4,322/year
  • Average car insurance rates in Salem, AL for senior drivers are $2,015/year
  • Average car insurance rates in Salem, AL are $317/month

How do the Salem, Alabama monthly average car insurance rates of $317/month compare to nearby cities like Huntsville car insurance rates, Hoover car insurance rates, and Auburn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Salem, AL.

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

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

What are the minimum Salem, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Salem, 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 $2,422 $2,407 $2,166 $2,299 $9,250 $9,522 $2,745 $2,854
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $3,183 $3,438 $2,603 $2,912 $11,687 $12,998 $3,396 $3,621
Nationwide $1,757 $1,780 $1,600 $1,658 $4,596 $5,937 $1,950 $2,183
Progressive $2,615 $2,456 $2,149 $2,289 $10,653 $11,893 $3,062 $3,253
State Farm $3,246 $3,246 $2,943 $2,943 $9,867 $12,376 $3,669 $4,215
Travelers $1,449 $1,473 $1,354 $1,350 $7,522 $11,742 $1,376 $1,592
USAA $1,491 $1,514 $1,396 $1,369 $4,522 $5,017 $1,952 $2,109

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

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

Annual Car Insurance Rates for Teen Drivers in Salem, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $9,250 $9,522
GEICO $5,231 $5,122
Liberty Mutual $11,687 $12,998
Nationwide $4,596 $5,937
Progressive $10,653 $11,893
State Farm $9,867 $12,376
Travelers $7,522 $11,742
USAA $4,522 $5,017

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

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

Annual Car Insurance Rates for Senior Drivers in Salem, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,166 $2,299
GEICO $1,897 $1,951
Liberty Mutual $2,603 $2,912
Nationwide $1,600 $1,658
Progressive $2,149 $2,289
State Farm $2,943 $2,943
Travelers $1,354 $1,350
USAA $1,396 $1,369

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

Annual Car Insurance Rates by Coverage Level in Salem, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,973 $4,154 $4,498
GEICO $2,572 $2,773 $3,010
Liberty Mutual $5,241 $5,455 $5,743
Nationwide $2,658 $2,662 $2,728
Progressive $4,303 $4,772 $5,314
State Farm $5,004 $5,307 $5,628
Travelers $3,330 $3,552 $3,565
USAA $2,332 $2,408 $2,524

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

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

Annual Salem, 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 $3,545 $4,579 $4,467 $4,242
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $4,296 $5,985 $5,850 $5,787
Nationwide $2,345 $2,345 $3,420 $2,620
Progressive $4,330 $5,439 $4,663 $4,753
State Farm $4,793 $5,949 $5,255 $5,255
Travelers $2,901 $3,046 $4,442 $3,539
USAA $1,859 $2,337 $3,477 $2,012

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

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

Annual Car Insurance Rates After a DUI in Salem, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,467
GEICO $3,713
Liberty Mutual $5,850
Nationwide $3,420
Progressive $4,663
State Farm $5,255
Travelers $4,442
USAA $3,477

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

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

Annual Car Insurance Rates by Credit Score in Salem, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,719 $4,058 $3,847
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,846 $4,814 $3,779
Nationwide $3,234 $2,526 $2,287
Progressive $5,417 $4,640 $4,332
State Farm $8,618 $4,360 $2,961
Travelers $3,802 $3,292 $3,353
USAA $3,249 $2,121 $1,895

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

Salem, 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 Salem if you’re financing.

Annual Car Insurance Rates by Commute Length in Salem, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,208 $4,208
GEICO $2,734 $2,836
Liberty Mutual $5,480 $5,480
Nationwide $2,682 $2,682
Progressive $4,796 $4,796
State Farm $5,182 $5,444
Travelers $3,482 $3,482
USAA $2,310 $2,532

Who has the cheapest Salem, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Salem, Alabama

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

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What are the top Salem, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Salem, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,208
GEICO $2,785
Liberty Mutual $5,480
Nationwide $2,682
Progressive $4,796
State Farm $5,313
Travelers $3,482
USAA $2,421

What factors affect Salem, AL car insurance rates?

Why are Salem, Alabama car insurance rates different than rates in Huntsville 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 traffic like in Salem, AL

Like commute length, time spent in traffic also increase risk of accidents. Salem, AL is listed as 737th in INRIX congested cities data.

Car Insurance Quotes for Salem, AL

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

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