Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Alabaster for teen drivers is USAA
  • Average car insurance rates in Alabaster, AL for senior drivers are $1,947/year
  • The cheapest car insurance company in Alabaster after a DUI is USAA

Average car insurance rates in Alabaster, Alabama are $311 a month. But with a little research you can get a great deal from the top car insurance companies in Alabaster, AL. Before you buy Alabaster, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Alabaster car insurance rates with Tuscaloosa car insurance rates, Montgomery car insurance rates, or Hoover car insurance rates to make sure you’re getting the best Alabaster, AL car insurance quotes available.

Need affordable Alabaster, AL car insurance? Enter your ZIP code to compare Alabaster car insurance quotes from multiple car insurance companies near you.

Alabaster, AL Minimum Car Insurance Coverage

Alabaster, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Alabaster, 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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Alabaster, AL Car Insurance Rates by Coverage Level

Some Alabaster drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Alabaster, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Alabaster, Alabama

Insurance Company Low Medium High
Allstate $3,219 $3,335 $3,468
Farmers $4,039 $4,235 $4,605
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,976 $5,202 $5,506
Nationwide $2,541 $2,546 $2,611
Progressive $3,893 $4,313 $4,771
State Farm $4,906 $5,208 $5,523
Travelers $3,367 $3,643 $3,705
USAA $2,164 $2,230 $2,330

Alabaster, AL Car Insurance Rates by Age, Gender, and Marital Status

Alabaster, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Alabaster, AL car insurance, get quotes from multiple car insurance companies in the Alabaster area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alabaster, 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 $2,004 $1,907 $1,817 $1,851 $7,054 $7,576 $2,235 $2,282
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,980 $3,216 $2,434 $2,725 $11,332 $12,607 $3,167 $3,364
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,266 $2,112 $1,871 $1,985 $9,842 $10,989 $2,667 $2,873
State Farm $3,115 $3,115 $2,846 $2,846 $9,851 $12,311 $3,531 $4,085
Travelers $1,420 $1,440 $1,341 $1,336 $7,812 $12,363 $1,343 $1,518
USAA $1,393 $1,414 $1,299 $1,273 $4,160 $4,612 $1,816 $1,961

Alabaster, AL Car Insurance Rates for Teens

How much is Alabaster, Alabama car insurance for teens? Compare rates from top Alabaster car insurance companies below to help find the cheapest teen car insurance in Alabaster, AL.

Annual Car Insurance Rates for Teen Drivers in Alabaster, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,054 $7,576
Farmers $9,571 $9,840
GEICO $5,204 $5,101
Liberty Mutual $11,332 $12,607
Nationwide $4,422 $5,679
Progressive $9,842 $10,989
State Farm $9,851 $12,311
Travelers $7,812 $12,363
USAA $4,160 $4,612

Alabaster, AL Car Insurance Rates for Seniors

Before seniors buy Alabaster, Alabama car insurance, they should make sure to shop around. Some Alabaster, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Alabaster, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,817 $1,851
Farmers $2,170 $2,311
GEICO $1,878 $1,947
Liberty Mutual $2,434 $2,725
Nationwide $1,532 $1,583
Progressive $1,871 $1,985
State Farm $2,846 $2,846
Travelers $1,341 $1,336
USAA $1,299 $1,273

Alabaster, AL Car Insurance Rates by Credit History

How does your credit history affect Alabaster, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Alabaster, Alabama

Insurance Company Poor Fair Good
Allstate $4,123 $3,245 $2,655
Farmers $4,806 $4,145 $3,927
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,465 $4,605 $3,614
Nationwide $3,092 $2,418 $2,189
Progressive $4,847 $4,195 $3,935
State Farm $8,463 $4,275 $2,899
Travelers $3,891 $3,379 $3,445
USAA $3,016 $1,959 $1,748

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Alabaster, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Alabaster, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Alabaster.

Annual Alabaster, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,834 $3,345 $3,977 $3,208
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $4,099 $5,719 $5,572 $5,522
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $3,891 $4,935 $4,218 $4,260
State Farm $4,676 $5,868 $5,153 $5,153
Travelers $2,975 $3,120 $4,575 $3,617
USAA $1,722 $2,162 $3,217 $1,864

Alabaster, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Alabaster, AL car insurance rates. Compare rates below to see which Alabaster car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Alabaster, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,977
Farmers $4,565
GEICO $3,711
Liberty Mutual $5,572
Nationwide $3,259
Progressive $4,218
State Farm $5,153
Travelers $4,575
USAA $3,217

Alabaster, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Alabaster, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Alabaster companies based on commute time.

Annual Car Insurance Rates by Commute Length in Alabaster, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,341 $3,341
Farmers $4,293 $4,293
GEICO $2,707 $2,804
Liberty Mutual $5,228 $5,228
Nationwide $2,566 $2,566
Progressive $4,326 $4,326
State Farm $5,084 $5,341
Travelers $3,572 $3,572
USAA $2,138 $2,344

Alabaster, AL Cheapest Car Insurance Rates

How do the top Alabaster, Alabama car insurance companies’ average rates stack up against the Alabaster average monthly car insurance rates of $311? Take a look and see.

Best Annual Car Insurance Rates by Company in Alabaster, 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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Alabaster, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Alabaster, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Alabaster, Alabama

Insurance Company Average Annual Rates
Allstate $3,341
Farmers $4,293
GEICO $2,755
Liberty Mutual $5,228
Nationwide $2,566
Progressive $4,326
State Farm $5,212
Travelers $3,572
USAA $2,241

Other Factors Affecting Alabaster, AL Car Insurance Rates

Before you buy Alabaster, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Alabaster, AL Car Theft Rates

The car theft rate in Alabaster, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Alabaster, Alabama is 26 stolen cars.

Alabaster, AL Commute Time

How does your Alabaster, AL commute time compare with the average driver? In Alabaster, the average commute is 31.7 minutes.

Alabaster, AL Car Insurance Quotes

Compare Alabaster, AL car insurance quotes from multiple companies by entering your ZIP code now.