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 Black, AL are $281/month
  • Average car insurance rates in Black, AL for senior drivers are $1,800/year
  • The cheapest car insurance company in Black after a DUI is USAA

Average car insurance rates in Black, Alabama are $281 a month. But with a little research you can get a great deal from the top car insurance companies in Black, AL. Before you buy Black, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Black, AL Minimum Car Insurance Coverage

Black, 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 Black, 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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Black, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Black, Alabama

Insurance Company Low Medium High
Allstate $2,946 $3,046 $3,158
Farmers $3,491 $3,644 $3,938
GEICO $2,357 $2,572 $2,826
Liberty Mutual $4,653 $4,857 $5,131
Nationwide $2,529 $2,526 $2,589
Progressive $3,532 $3,953 $4,456
State Farm $3,868 $4,086 $4,323
Travelers $3,404 $3,650 $3,683
USAA $1,907 $1,969 $2,066

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Black, 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 $1,854 $1,772 $1,675 $1,708 $6,351 $6,825 $2,083 $2,131
Farmers $2,128 $2,115 $1,904 $2,018 $8,097 $8,336 $2,416 $2,516
GEICO $1,857 $1,841 $1,782 $1,847 $4,861 $4,727 $1,961 $1,801
Liberty Mutual $2,881 $3,114 $2,373 $2,654 $10,274 $11,421 $3,065 $3,261
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,190 $2,050 $1,795 $1,927 $8,832 $9,829 $2,546 $2,672
State Farm $2,538 $2,538 $2,288 $2,288 $7,511 $9,427 $2,863 $3,287
Travelers $1,466 $1,490 $1,367 $1,366 $7,744 $12,202 $1,391 $1,605
USAA $1,240 $1,260 $1,159 $1,139 $3,648 $4,046 $1,611 $1,741

Black, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Black, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,351 $6,825
Farmers $8,097 $8,336
GEICO $4,861 $4,727
Liberty Mutual $10,274 $11,421
Nationwide $4,358 $5,617
Progressive $8,832 $9,829
State Farm $7,511 $9,427
Travelers $7,744 $12,202
USAA $3,648 $4,046

Black, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Black, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,675 $1,708
Farmers $1,904 $2,018
GEICO $1,782 $1,847
Liberty Mutual $2,373 $2,654
Nationwide $1,527 $1,581
Progressive $1,795 $1,927
State Farm $2,288 $2,288
Travelers $1,367 $1,366
USAA $1,159 $1,139

Black, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Black, Alabama

Insurance Company Poor Fair Good
Allstate $3,772 $2,958 $2,419
Farmers $4,140 $3,559 $3,374
GEICO $3,286 $2,346 $2,123
Liberty Mutual $6,988 $4,285 $3,368
Nationwide $3,073 $2,400 $2,171
Progressive $4,499 $3,851 $3,591
State Farm $6,631 $3,361 $2,286
Travelers $3,904 $3,385 $3,448
USAA $2,659 $1,734 $1,549

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Black, AL Car Insurance Rates by Driver History

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

Annual Black, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,602 $3,060 $3,607 $2,931
Farmers $3,108 $4,015 $3,916 $3,725
GEICO $1,744 $2,808 $3,466 $2,321
Liberty Mutual $3,831 $5,323 $5,214 $5,154
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,593 $4,510 $3,873 $3,946
State Farm $3,705 $4,566 $4,049 $4,049
Travelers $2,986 $3,133 $4,566 $3,631
USAA $1,526 $1,911 $2,835 $1,650

Black, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Black, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,607
Farmers $3,916
GEICO $3,466
Liberty Mutual $5,214
Nationwide $3,241
Progressive $3,873
State Farm $4,049
Travelers $4,566
USAA $2,835

Black, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Black, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,050 $3,050
Farmers $3,691 $3,691
GEICO $2,538 $2,632
Liberty Mutual $4,880 $4,880
Nationwide $2,548 $2,548
Progressive $3,980 $3,980
State Farm $3,993 $4,192
Travelers $3,579 $3,579
USAA $1,890 $2,071

Black, AL Cheapest Car Insurance Rates

How do the top Black, Alabama car insurance companies’ average rates stack up against the Black average monthly car insurance rates of $281? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Black, Alabama

Insurance Company Average Annual Rates
Allstate $3,050
Farmers $3,691
GEICO $2,585
Liberty Mutual $4,880
Nationwide $2,548
Progressive $3,980
State Farm $4,092
Travelers $3,579
USAA $1,981

Other Factors Affecting Black, AL Car Insurance Rates

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

Black, AL Commute Time

How does your Black, AL commute time compare with the average driver? In Black, the average commute is 29.3 minutes.

Black, AL Traffic

Spending time in Black traffic can lead to higher car insurance rates. According to INRIX data, Black, AL ranks as the 452nd-most congested with traffic in the world.

Black, AL Car Insurance Quotes

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