Cheap Quotes for Spruce Pine, AL Car Insurance (2021)

Spruce Pine, Alabama car insurance rates average $289 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Spruce Pine, AL companies, you can find cheap Spruce Pine 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 Spruce Pine is USAA
  • Average car insurance rates in Spruce Pine, AL after a DUI are $3,948/year
  • Average car insurance rates in Spruce Pine, AL are $289/month

How do the Spruce Pine, Alabama monthly average car insurance rates of $289/month compare to nearby cities like Madison car insurance rates, Montgomery car insurance rates, and Huntsville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Spruce Pine, AL.

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

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

What are the minimum Spruce Pine, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spruce Pine, 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 $2,372 $2,235 $1,938 $2,073 $9,446 $10,554 $2,771 $2,939
State Farm $2,615 $2,615 $2,358 $2,358 $7,795 $9,768 $2,952 $3,401
Travelers $1,305 $1,324 $1,230 $1,225 $6,916 $10,834 $1,238 $1,410
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 Spruce Pine, AL?

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

Annual Car Insurance Rates for Teen Drivers in Spruce Pine, 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 $9,446 $10,554
State Farm $7,795 $9,768
Travelers $6,916 $10,834
USAA $3,761 $4,171

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

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

Annual Car Insurance Rates for Senior Drivers in Spruce Pine, 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 $1,938 $2,073
State Farm $2,358 $2,358
Travelers $1,230 $1,225
USAA $1,187 $1,164

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

Annual Car Insurance Rates by Coverage Level in Spruce Pine, 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 $3,845 $4,264 $4,763
State Farm $4,009 $4,227 $4,462
Travelers $3,022 $3,249 $3,285
USAA $1,967 $2,027 $2,117

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

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

Annual Spruce Pine, 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 $3,884 $4,858 $4,153 $4,268
State Farm $3,829 $4,727 $4,188 $4,188
Travelers $2,654 $2,785 $4,071 $3,232
USAA $1,568 $1,965 $2,921 $1,696

How does a DUI affect Spruce Pine, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Spruce Pine, 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 $4,153
State Farm $4,188
Travelers $4,071
USAA $2,921

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

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

Annual Car Insurance Rates by Credit Score in Spruce Pine, 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 $4,862 $4,147 $3,863
State Farm $6,860 $3,475 $2,363
Travelers $3,474 $3,013 $3,069
USAA $2,744 $1,780 $1,588

How does your commute affect Spruce Pine, AL car insurance rates?

Spruce Pine, 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 Spruce Pine if you’re financing.

Annual Car Insurance Rates by Commute Length in Spruce Pine, 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 $4,291 $4,291
State Farm $4,131 $4,334
Travelers $3,185 $3,185
USAA $1,944 $2,130

Who has the cheapest Spruce Pine, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Spruce Pine, 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 Spruce Pine, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Spruce Pine, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,000
GEICO $2,637
Liberty Mutual $4,966
Nationwide $2,705
Progressive $4,291
State Farm $4,233
Travelers $3,185
USAA $2,037

Car Insurance Quotes for Spruce Pine, AL

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