Cheap Quotes for Spring Garden, AL Car Insurance (2021)

Spring Garden, Alabama car insurance rates average $296 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Spring Garden, AL companies, you can find cheap Spring Garden 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 Spring Garden is USAA
  • Average car insurance rates in Spring Garden, AL after a DUI are $4,043/year
  • Average car insurance rates in Spring Garden, AL are $296/month

How do the Spring Garden, Alabama monthly average car insurance rates of $296/month compare to nearby cities like Tuscaloosa car insurance rates, Hoover car insurance rates, and Montgomery car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Spring Garden, AL.

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

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

What are the minimum Spring Garden, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spring Garden, 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 $1,887 $1,801 $1,710 $1,742 $6,478 $6,952 $2,109 $2,153
Farmers $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,034 $2,021 $1,927 $1,978 $5,284 $5,207 $2,142 $2,000
Liberty Mutual $2,960 $3,198 $2,433 $2,722 $10,765 $11,971 $3,146 $3,348
Nationwide $1,667 $1,687 $1,523 $1,574 $4,394 $5,642 $1,850 $2,063
Progressive $2,156 $2,027 $1,769 $1,878 $8,911 $9,976 $2,532 $2,722
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,438 $1,461 $1,347 $1,344 $7,656 $12,049 $1,364 $1,564
USAA $1,231 $1,250 $1,149 $1,126 $3,657 $4,056 $1,603 $1,729

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

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

Annual Car Insurance Rates for Teen Drivers in Spring Garden, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,478 $6,952
Farmers $9,410 $9,698
GEICO $5,284 $5,207
Liberty Mutual $10,765 $11,971
Nationwide $4,394 $5,642
Progressive $8,911 $9,976
State Farm $8,309 $10,427
Travelers $7,656 $12,049
USAA $3,657 $4,056

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

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

Annual Car Insurance Rates for Senior Drivers in Spring Garden, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,710 $1,742
Farmers $2,283 $2,410
GEICO $1,927 $1,978
Liberty Mutual $2,433 $2,722
Nationwide $1,523 $1,574
Progressive $1,769 $1,878
State Farm $2,520 $2,520
Travelers $1,347 $1,344
USAA $1,149 $1,126

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

Annual Car Insurance Rates by Coverage Level in Spring Garden, Alabama

Insurance Company Low Medium High
Allstate $2,984 $3,098 $3,230
Farmers $4,139 $4,302 $4,613
GEICO $2,613 $2,811 $3,048
Liberty Mutual $4,819 $5,042 $5,343
Nationwide $2,532 $2,529 $2,590
Progressive $3,594 $3,980 $4,415
State Farm $4,278 $4,514 $4,767
Travelers $3,350 $3,598 $3,635
USAA $1,905 $1,965 $2,056

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

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

Annual Spring Garden, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,646 $3,113 $3,674 $2,982
Farmers $3,669 $4,724 $4,608 $4,404
GEICO $1,912 $3,060 $3,769 $2,555
Liberty Mutual $3,975 $5,533 $5,410 $5,354
Nationwide $2,236 $2,236 $3,238 $2,491
Progressive $3,608 $4,537 $3,881 $3,959
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $2,941 $3,086 $4,507 $3,579
USAA $1,520 $1,908 $2,828 $1,644

How does a DUI affect Spring Garden, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Spring Garden, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,674
Farmers $4,608
GEICO $3,769
Liberty Mutual $5,410
Nationwide $3,238
Progressive $3,881
State Farm $4,472
Travelers $4,507
USAA $2,828

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

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

Annual Car Insurance Rates by Credit Score in Spring Garden, Alabama

Insurance Company Poor Fair Good
Allstate $3,839 $3,011 $2,462
Farmers $4,887 $4,192 $3,976
GEICO $3,592 $2,562 $2,318
Liberty Mutual $7,258 $4,451 $3,494
Nationwide $3,075 $2,402 $2,174
Progressive $4,508 $3,867 $3,614
State Farm $7,329 $3,709 $2,520
Travelers $3,848 $3,336 $3,400
USAA $2,655 $1,728 $1,543

How does your commute affect Spring Garden, AL car insurance rates?

Spring Garden, 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 Spring Garden if you’re financing.

Annual Car Insurance Rates by Commute Length in Spring Garden, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,104 $3,104
Farmers $4,352 $4,352
GEICO $2,773 $2,875
Liberty Mutual $5,068 $5,068
Nationwide $2,550 $2,550
Progressive $3,996 $3,996
State Farm $4,410 $4,629
Travelers $3,528 $3,528
USAA $1,885 $2,065

Who has the cheapest Spring Garden, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Spring Garden, 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 Spring Garden, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Spring Garden, Alabama

Insurance Company Average Annual Rates
Allstate $3,104
Farmers $4,352
GEICO $2,824
Liberty Mutual $5,068
Nationwide $2,550
Progressive $3,996
State Farm $4,519
Travelers $3,528
USAA $1,975

What factors affect Spring Garden, AL car insurance rates?

Why are Spring Garden, Alabama car insurance rates different than rates in Tuscaloosa 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 Spring Garden, AL?

More time spent behind the wheel can lead to higher Spring Garden, Alabama car insurance rates. In Spring Garden, AL, the average commute length is 30.7 minutes.

Car Insurance Quotes for Spring Garden, AL

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