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 Calera, AL are $302/month
  • Average car insurance rates in Calera, AL for senior drivers are $1,915/year
  • The cheapest car insurance company in Calera after a DUI is USAA

Average car insurance rates in Calera, Alabama are $302 a month. But with a little research you can get a great deal from the top car insurance companies in Calera, AL. Before you buy Calera, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Calera, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Calera, Alabama

Insurance Company Low Medium High
Allstate $3,255 $3,372 $3,505
Farmers $3,968 $4,146 $4,483
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,756 $4,966 $5,247
Nationwide $2,541 $2,546 $2,611
Progressive $3,971 $4,444 $4,987
State Farm $4,709 $4,974 $5,255
Travelers $2,862 $3,075 $3,109
USAA $2,138 $2,204 $2,305

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Calera, 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 $2,034 $1,938 $1,841 $1,876 $7,101 $7,627 $2,275 $2,325
Farmers $2,389 $2,367 $2,133 $2,267 $9,311 $9,575 $2,721 $2,829
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,878 $3,106 $2,361 $2,640 $10,717 $11,912 $3,057 $3,246
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,405 $2,247 $1,976 $2,112 $10,026 $11,182 $2,808 $2,983
State Farm $3,001 $3,001 $2,729 $2,729 $9,354 $11,682 $3,398 $3,941
Travelers $1,234 $1,252 $1,166 $1,160 $6,551 $10,254 $1,174 $1,330
USAA $1,376 $1,398 $1,284 $1,260 $4,111 $4,560 $1,796 $1,940

Calera, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Calera, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,101 $7,627
Farmers $9,311 $9,575
GEICO $5,204 $5,101
Liberty Mutual $10,717 $11,912
Nationwide $4,422 $5,679
Progressive $10,026 $11,182
State Farm $9,354 $11,682
Travelers $6,551 $10,254
USAA $4,111 $4,560

Calera, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Calera, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,876
Farmers $2,133 $2,267
GEICO $1,878 $1,947
Liberty Mutual $2,361 $2,640
Nationwide $1,532 $1,583
Progressive $1,976 $2,112
State Farm $2,729 $2,729
Travelers $1,166 $1,160
USAA $1,284 $1,260

Calera, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Calera, Alabama

Insurance Company Poor Fair Good
Allstate $4,170 $3,279 $2,682
Farmers $4,704 $4,053 $3,840
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,127 $4,392 $3,449
Nationwide $3,092 $2,418 $2,189
Progressive $5,030 $4,327 $4,046
State Farm $8,081 $4,085 $2,771
Travelers $3,287 $2,852 $2,906
USAA $2,980 $1,938 $1,729

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Calera, AL Car Insurance Rates by Driver History

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

Annual Calera, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,869 $3,384 $4,013 $3,243
Farmers $3,528 $4,573 $4,460 $4,235
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $3,913 $5,454 $5,321 $5,269
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $4,024 $5,077 $4,352 $4,416
State Farm $4,476 $5,594 $4,923 $4,923
Travelers $2,513 $2,636 $3,855 $3,056
USAA $1,703 $2,137 $3,180 $1,842

Calera, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Calera, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,013
Farmers $4,460
GEICO $3,711
Liberty Mutual $5,321
Nationwide $3,259
Progressive $4,352
State Farm $4,923
Travelers $3,855
USAA $3,180

Calera, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Calera, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,377 $3,377
Farmers $4,199 $4,199
GEICO $2,707 $2,804
Liberty Mutual $4,989 $4,989
Nationwide $2,566 $2,566
Progressive $4,467 $4,467
State Farm $4,859 $5,099
Travelers $3,015 $3,015
USAA $2,114 $2,317

Calera, AL Cheapest Car Insurance Rates

How do the top Calera, Alabama car insurance companies’ average rates stack up against the Calera average monthly car insurance rates of $302? Take a look and see.

Best Annual Car Insurance Rates by Company in Calera, Alabama

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Calera, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Calera, Alabama

Insurance Company Average Annual Rates
Allstate $3,377
Farmers $4,199
GEICO $2,755
Liberty Mutual $4,989
Nationwide $2,566
Progressive $4,467
State Farm $4,979
Travelers $3,015
USAA $2,216

Other Factors Affecting Calera, AL Car Insurance Rates

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

Calera, AL Car Theft Rates

The car theft rate in Calera, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Calera, Alabama is 23 stolen cars.

Calera, AL Commute Time

How does your Calera, AL commute time compare with the average driver? In Calera, the average commute is 33.5 minutes.

Calera, AL Car Insurance Quotes

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