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

  • Average car insurance rates in Bay Minette, AL are $295/month
  • The cheapest car insurance company in Bay Minette after a DUI is USAA
  • The cheapest car insurance company in Bay Minette for teen drivers is USAA

Average car insurance rates in Bay Minette, Alabama are $295 a month. But with a little research you can get a great deal from the top car insurance companies in Bay Minette, AL. Before you buy Bay Minette, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Bay Minette car insurance rates with Dothan car insurance rates, Madison car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Bay Minette, AL car insurance quotes available.

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

Bay Minette, AL Minimum Car Insurance Coverage

Bay Minette, 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 Bay Minette, 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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Bay Minette, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Bay Minette, Alabama

Insurance Company Low Medium High
Allstate $3,090 $3,186 $3,295
Farmers $3,647 $3,825 $4,171
GEICO $2,395 $2,606 $2,853
Liberty Mutual $5,051 $5,269 $5,564
Nationwide $2,452 $2,462 $2,528
Progressive $3,689 $4,085 $4,549
State Farm $3,769 $3,979 $4,209
Travelers $4,138 $4,435 $4,471
USAA $1,924 $1,991 $2,095

Bay Minette, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bay Minette, 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 $1,909 $1,816 $1,728 $1,761 $6,742 $7,256 $2,132 $2,178
Farmers $2,203 $2,188 $1,968 $2,096 $8,625 $8,873 $2,501 $2,594
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,093 $3,342 $2,536 $2,836 $11,239 $12,498 $3,296 $3,515
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,269 $2,138 $1,860 $1,982 $9,042 $10,100 $2,655 $2,815
State Farm $2,463 $2,463 $2,223 $2,223 $7,338 $9,198 $2,779 $3,198
Travelers $1,741 $1,768 $1,635 $1,628 $9,507 $14,975 $1,643 $1,886
USAA $1,249 $1,267 $1,171 $1,150 $3,709 $4,109 $1,622 $1,752

Bay Minette, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Bay Minette, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,742 $7,256
Farmers $8,625 $8,873
GEICO $4,934 $4,812
Liberty Mutual $11,239 $12,498
Nationwide $4,274 $5,478
Progressive $9,042 $10,100
State Farm $7,338 $9,198
Travelers $9,507 $14,975
USAA $3,709 $4,109

Bay Minette, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Bay Minette, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,728 $1,761
Farmers $1,968 $2,096
GEICO $1,795 $1,862
Liberty Mutual $2,536 $2,836
Nationwide $1,486 $1,534
Progressive $1,860 $1,982
State Farm $2,223 $2,223
Travelers $1,635 $1,628
USAA $1,171 $1,150

Bay Minette, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Bay Minette, Alabama

Insurance Company Poor Fair Good
Allstate $3,936 $3,100 $2,536
Farmers $4,353 $3,743 $3,547
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,589 $4,647 $3,647
Nationwide $2,987 $2,338 $2,118
Progressive $4,653 $3,970 $3,699
State Farm $6,456 $3,273 $2,227
Travelers $4,740 $4,112 $4,192
USAA $2,681 $1,757 $1,572

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Bay Minette, AL Car Insurance Rates by Driver History

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

Annual Bay Minette, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,705 $3,192 $3,801 $3,063
Farmers $3,264 $4,227 $4,125 $3,908
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,150 $5,781 $5,653 $5,594
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,715 $4,648 $3,986 $4,081
State Farm $3,605 $4,451 $3,943 $3,943
Travelers $3,616 $3,794 $5,572 $4,410
USAA $1,543 $1,936 $2,865 $1,669

Bay Minette, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Bay Minette, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,801
Farmers $4,125
GEICO $3,520
Liberty Mutual $5,653
Nationwide $3,145
Progressive $3,986
State Farm $3,943
Travelers $5,572
USAA $2,865

Bay Minette, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Bay Minette, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,190 $3,190
Farmers $3,881 $3,881
GEICO $2,571 $2,665
Liberty Mutual $5,295 $5,295
Nationwide $2,481 $2,481
Progressive $4,108 $4,108
State Farm $3,890 $4,081
Travelers $4,348 $4,348
USAA $1,912 $2,095

Bay Minette, AL Cheapest Car Insurance Rates

How do the top Bay Minette, Alabama car insurance companies’ average rates stack up against the Bay Minette average monthly car insurance rates of $295? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Bay Minette, Alabama

Insurance Company Average Annual Rates
Allstate $3,190
Farmers $3,881
GEICO $2,618
Liberty Mutual $5,295
Nationwide $2,481
Progressive $4,108
State Farm $3,985
Travelers $4,348
USAA $2,004

Other Factors Affecting Bay Minette, AL Car Insurance Rates

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

Bay Minette, AL Car Theft Rates

The car theft rate in Bay Minette, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Bay Minette, Alabama is 19 stolen cars.

Bay Minette, AL Commute Time

How does your Bay Minette, AL commute time compare with the average driver? In Bay Minette, the average commute is 24.5 minutes.

Bay Minette, AL Car Insurance Quotes

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