Cheap Quotes for Watson, AL Car Insurance (2021)

Watson, Alabama car insurance rates average $337 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Watson, AL companies, you can find cheap Watson 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 Watson, AL are $337/month
  • Average car insurance rates in Watson, AL after a DUI are $4,594/year
  • Average car insurance rates in Watson, AL for senior drivers are $2,123/year

How do the Watson, Alabama monthly average car insurance rates of $337/month compare to nearby cities like Auburn car insurance rates, Montgomery car insurance rates, and Mobile car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Watson, AL.

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

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

What are the minimum Watson, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Watson, 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 $2,109 $2,004 $1,913 $1,949 $7,520 $8,081 $2,349 $2,397
Farmers $2,724 $2,700 $2,432 $2,587 $10,701 $11,004 $3,105 $3,227
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,226 $3,482 $2,637 $2,948 $12,074 $13,422 $3,436 $3,659
Nationwide $1,850 $1,872 $1,686 $1,743 $4,989 $6,415 $2,059 $2,302
Progressive $2,757 $2,571 $2,261 $2,429 $11,509 $12,806 $3,220 $3,408
State Farm $3,391 $3,391 $3,089 $3,089 $10,624 $13,270 $3,840 $4,449
Travelers $1,367 $1,386 $1,292 $1,287 $7,515 $11,857 $1,297 $1,463
USAA $1,318 $1,336 $1,230 $1,202 $3,951 $4,378 $1,717 $1,850

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

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

Annual Car Insurance Rates for Teen Drivers in Watson, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,520 $8,081
Farmers $10,701 $11,004
GEICO $6,182 $6,096
Liberty Mutual $12,074 $13,422
Nationwide $4,989 $6,415
Progressive $11,509 $12,806
State Farm $10,624 $13,270
Travelers $7,515 $11,857
USAA $3,951 $4,378

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

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

Annual Car Insurance Rates for Senior Drivers in Watson, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,913 $1,949
Farmers $2,432 $2,587
GEICO $2,178 $2,261
Liberty Mutual $2,637 $2,948
Nationwide $1,686 $1,743
Progressive $2,261 $2,429
State Farm $3,089 $3,089
Travelers $1,292 $1,287
USAA $1,230 $1,202

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

Annual Car Insurance Rates by Coverage Level in Watson, Alabama

Insurance Company Low Medium High
Allstate $3,410 $3,535 $3,676
Farmers $4,537 $4,746 $5,147
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,363 $5,585 $5,884
Nationwide $2,858 $2,838 $2,897
Progressive $4,593 $5,089 $5,679
State Farm $5,324 $5,637 $5,967
Travelers $3,253 $3,500 $3,545
USAA $2,049 $2,112 $2,208

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

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

Annual Watson, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,996 $3,544 $4,224 $3,397
Farmers $4,039 $5,239 $5,111 $4,851
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,394 $6,136 $5,985 $5,927
Nationwide $2,505 $2,505 $3,650 $2,797
Progressive $4,622 $5,829 $4,962 $5,067
State Farm $5,069 $6,345 $5,579 $5,579
Travelers $2,860 $2,999 $4,401 $3,472
USAA $1,632 $2,051 $3,043 $1,765

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

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

Annual Car Insurance Rates After a DUI in Watson, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,224
Farmers $5,111
GEICO $4,396
Liberty Mutual $5,985
Nationwide $3,650
Progressive $4,962
State Farm $5,579
Travelers $4,401
USAA $3,043

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

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

Annual Car Insurance Rates by Credit Score in Watson, Alabama

Insurance Company Poor Fair Good
Allstate $4,363 $3,442 $2,816
Farmers $5,391 $4,642 $4,397
GEICO $4,135 $2,945 $2,664
Liberty Mutual $8,028 $4,935 $3,869
Nationwide $3,458 $2,696 $2,438
Progressive $5,765 $4,958 $4,637
State Farm $9,157 $4,630 $3,142
Travelers $3,738 $3,249 $3,312
USAA $2,854 $1,857 $1,657

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

Watson, 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 Watson if you’re financing.

Annual Car Insurance Rates by Commute Length in Watson, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,540 $3,540
Farmers $4,810 $4,810
GEICO $3,191 $3,305
Liberty Mutual $5,611 $5,611
Nationwide $2,864 $2,864
Progressive $5,120 $5,120
State Farm $5,506 $5,780
Travelers $3,433 $3,433
USAA $2,026 $2,220

Who has the cheapest Watson, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Watson, Alabama

Insurance Company Average Annual Rates
Allstate $3,540
Farmers $4,810
GEICO $3,248
Liberty Mutual $5,611
Nationwide $2,864
Progressive $5,120
State Farm $5,643
Travelers $3,433
USAA $2,123

What factors affect Watson, AL car insurance rates?

Why are Watson, Alabama car insurance rates different than rates in Auburn or Montgomery? 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 Watson, AL

Like commute length, time spent in traffic also increase risk of accidents. Watson, AL is listed as 704th in INRIX congested cities data.

Car Insurance Quotes for Watson, AL

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