Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 annual number of car thefts in Chatom is 4.
  • Average car insurance rates in Chatom, AL for senior drivers are $2,002/year
  • The cheapest car insurance company in Chatom for teen drivers is USAA

Average car insurance rates in Chatom, Alabama are $313 a month. But with a little research you can get a great deal from the top car insurance companies in Chatom, AL. Before you buy Chatom, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Chatom, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Chatom, Alabama

Insurance Company Low Medium High
Allstate $3,194 $3,281 $3,381
Farmers $3,941 $4,095 $4,386
GEICO $2,708 $2,886 $3,100
Liberty Mutual $5,378 $5,592 $5,879
Nationwide $2,624 $2,595 $2,649
Progressive $3,965 $4,381 $4,869
State Farm $4,554 $4,764 $4,999
Travelers $3,711 $3,952 $3,960
USAA $2,105 $2,171 $2,271

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chatom, 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 $2,029 $1,947 $1,815 $1,853 $6,725 $7,209 $2,318 $2,389
Farmers $2,388 $2,369 $2,136 $2,260 $9,060 $9,324 $2,729 $2,858
GEICO $2,116 $2,085 $1,968 $1,996 $5,380 $5,307 $2,235 $2,099
Liberty Mutual $3,301 $3,570 $2,702 $3,025 $11,850 $13,185 $3,529 $3,769
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,432 $2,296 $1,991 $2,120 $9,685 $10,834 $2,849 $3,034
State Farm $3,060 $3,060 $2,717 $2,717 $8,518 $10,731 $3,440 $3,937
Travelers $1,610 $1,638 $1,497 $1,495 $8,363 $13,086 $1,527 $1,781
USAA $1,362 $1,388 $1,271 $1,252 $4,020 $4,464 $1,777 $1,925

Chatom, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Chatom, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,725 $7,209
Farmers $9,060 $9,324
GEICO $5,380 $5,307
Liberty Mutual $11,850 $13,185
Nationwide $4,418 $5,752
Progressive $9,685 $10,834
State Farm $8,518 $10,731
Travelers $8,363 $13,086
USAA $4,020 $4,464

Chatom, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Chatom, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,815 $1,853
Farmers $2,136 $2,260
GEICO $1,968 $1,996
Liberty Mutual $2,702 $3,025
Nationwide $1,577 $1,642
Progressive $1,991 $2,120
State Farm $2,717 $2,717
Travelers $1,497 $1,495
USAA $1,271 $1,252

Chatom, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Chatom, Alabama

Insurance Company Poor Fair Good
Allstate $4,071 $3,182 $2,604
Farmers $4,644 $3,993 $3,785
GEICO $3,687 $2,629 $2,378
Liberty Mutual $8,051 $4,927 $3,870
Nationwide $3,171 $2,467 $2,229
Progressive $4,992 $4,257 $3,966
State Farm $7,733 $3,919 $2,665
Travelers $4,231 $3,662 $3,730
USAA $2,937 $1,908 $1,703

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Chatom, AL Car Insurance Rates by Driver History

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

Annual Chatom, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,817 $3,301 $3,865 $3,159
Farmers $3,481 $4,500 $4,388 $4,193
GEICO $1,980 $3,144 $3,808 $2,661
Liberty Mutual $4,406 $6,125 $6,004 $5,930
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,988 $4,986 $4,266 $4,381
State Farm $4,358 $5,278 $4,726 $4,726
Travelers $3,228 $3,390 $4,941 $3,939
USAA $1,678 $2,102 $3,133 $1,816

Chatom, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Chatom, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,865
Farmers $4,388
GEICO $3,808
Liberty Mutual $6,004
Nationwide $3,353
Progressive $4,266
State Farm $4,726
Travelers $4,941
USAA $3,133

Chatom, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Chatom, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,286 $3,286
Farmers $4,141 $4,141
GEICO $2,842 $2,954
Liberty Mutual $5,616 $5,616
Nationwide $2,623 $2,623
Progressive $4,405 $4,405
State Farm $4,660 $4,885
Travelers $3,875 $3,875
USAA $2,082 $2,282

Chatom, AL Cheapest Car Insurance Rates

How do the top Chatom, Alabama car insurance companies’ average rates stack up against the Chatom average monthly car insurance rates of $313? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Chatom, Alabama

Insurance Company Average Annual Rates
Allstate $3,286
Farmers $4,141
GEICO $2,898
Liberty Mutual $5,616
Nationwide $2,623
Progressive $4,405
State Farm $4,772
Travelers $3,875
USAA $2,182

Other Factors Affecting Chatom, AL Car Insurance Rates

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

Chatom, AL Car Theft Rates

The car theft rate in Chatom, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Chatom, Alabama is 4 stolen cars.

Chatom, AL Commute Time

How does your Chatom, AL commute time compare with the average driver? In Chatom, the average commute is 24.6 minutes.

Chatom, AL Car Insurance Quotes

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