Cheap Quotes for Smoke Rise, AL Car Insurance (2021)

Smoke Rise, Alabama car insurance rates average $323 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Smoke Rise, AL companies, you can find cheap Smoke Rise 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 Smoke Rise, AL after a DUI are $4,416/year
  • Average car insurance rates in Smoke Rise, AL are $323/month
  • Average car insurance rates in Smoke Rise, AL for senior drivers are $2,041/year

How do the Smoke Rise, Alabama monthly average car insurance rates of $323/month compare to nearby cities like Huntsville car insurance rates, Hoover 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 Smoke Rise, AL.

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

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

What are the minimum Smoke Rise, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Smoke Rise, 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 $2,077 $1,978 $1,884 $1,919 $7,226 $7,759 $2,316 $2,367
Farmers $2,724 $2,700 $2,432 $2,587 $10,701 $11,004 $3,105 $3,227
GEICO $2,265 $2,267 $2,156 $2,245 $6,116 $6,025 $2,396 $2,234
Liberty Mutual $3,194 $3,447 $2,611 $2,919 $11,987 $13,324 $3,400 $3,618
Nationwide $1,696 $1,716 $1,548 $1,600 $4,472 $5,749 $1,882 $2,100
Progressive $2,679 $2,501 $2,192 $2,361 $11,118 $12,374 $3,126 $3,307
State Farm $2,914 $2,914 $2,630 $2,630 $8,788 $10,977 $3,290 $3,817
Travelers $1,367 $1,386 $1,292 $1,287 $7,515 $11,857 $1,297 $1,463
USAA $1,327 $1,347 $1,238 $1,212 $3,975 $4,408 $1,732 $1,868

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

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

Annual Car Insurance Rates for Teen Drivers in Smoke Rise, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,226 $7,759
Farmers $10,701 $11,004
GEICO $6,116 $6,025
Liberty Mutual $11,987 $13,324
Nationwide $4,472 $5,749
Progressive $11,118 $12,374
State Farm $8,788 $10,977
Travelers $7,515 $11,857
USAA $3,975 $4,408

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

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

Annual Car Insurance Rates for Senior Drivers in Smoke Rise, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,884 $1,919
Farmers $2,432 $2,587
GEICO $2,156 $2,245
Liberty Mutual $2,611 $2,919
Nationwide $1,548 $1,600
Progressive $2,192 $2,361
State Farm $2,630 $2,630
Travelers $1,292 $1,287
USAA $1,238 $1,212

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

Annual Car Insurance Rates by Coverage Level in Smoke Rise, Alabama

Insurance Company Low Medium High
Allstate $3,315 $3,433 $3,574
Farmers $4,537 $4,746 $5,147
GEICO $2,964 $3,200 $3,474
Liberty Mutual $5,315 $5,537 $5,836
Nationwide $2,578 $2,574 $2,635
Progressive $4,442 $4,924 $5,506
State Farm $4,508 $4,738 $4,990
Travelers $3,253 $3,500 $3,545
USAA $2,064 $2,127 $2,223

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

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

Annual Smoke Rise, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,922 $3,443 $4,093 $3,305
Farmers $4,039 $5,239 $5,111 $4,851
GEICO $2,151 $3,486 $4,353 $2,862
Liberty Mutual $4,356 $6,085 $5,932 $5,876
Nationwide $2,274 $2,274 $3,298 $2,535
Progressive $4,479 $5,643 $4,795 $4,912
State Farm $4,285 $5,308 $4,694 $4,694
Travelers $2,860 $2,999 $4,401 $3,472
USAA $1,644 $2,064 $3,067 $1,778

How does a DUI affect Smoke Rise, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Smoke Rise, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,093
Farmers $5,111
GEICO $4,353
Liberty Mutual $5,932
Nationwide $3,298
Progressive $4,795
State Farm $4,694
Travelers $4,401
USAA $3,067

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

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

Annual Car Insurance Rates by Credit Score in Smoke Rise, Alabama

Insurance Company Poor Fair Good
Allstate $4,250 $3,340 $2,732
Farmers $5,391 $4,642 $4,397
GEICO $4,090 $2,914 $2,635
Liberty Mutual $7,957 $4,894 $3,837
Nationwide $3,130 $2,444 $2,211
Progressive $5,587 $4,799 $4,486
State Farm $7,689 $3,897 $2,650
Travelers $3,738 $3,249 $3,312
USAA $2,877 $1,869 $1,668

How does your commute affect Smoke Rise, AL car insurance rates?

Smoke Rise, 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 Smoke Rise if you’re financing.

Annual Car Insurance Rates by Commute Length in Smoke Rise, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,441 $3,441
Farmers $4,810 $4,810
GEICO $3,156 $3,270
Liberty Mutual $5,562 $5,562
Nationwide $2,595 $2,595
Progressive $4,957 $4,957
State Farm $4,634 $4,856
Travelers $3,433 $3,433
USAA $2,040 $2,236

Who has the cheapest Smoke Rise, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Smoke Rise, 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 Smoke Rise, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Smoke Rise, Alabama

Insurance Company Average Annual Rates
Allstate $3,441
Farmers $4,810
GEICO $3,213
Liberty Mutual $5,562
Nationwide $2,595
Progressive $4,957
State Farm $4,745
Travelers $3,433
USAA $2,138

What factors affect Smoke Rise, AL car insurance rates?

Why are Smoke Rise, 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.

How long is the average commute in Smoke Rise, AL?

More time spent behind the wheel can lead to higher Smoke Rise, Alabama car insurance rates. In Smoke Rise, AL, the average commute length is 34.9 minutes.

Car Insurance Quotes for Smoke Rise, AL

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