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 Cook Springs for teen drivers is USAA
  • Average car insurance rates in Cook Springs, AL are $314/month
  • Average car insurance rates in Cook Springs, AL for senior drivers are $1,988/year

Average car insurance rates in Cook Springs, Alabama are $314 a month. But with a little research you can get a great deal from the top car insurance companies in Cook Springs, AL. Before you buy Cook Springs, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Cook Springs car insurance rates with Decatur car insurance rates, Hoover car insurance rates, or Madison car insurance rates to make sure you’re getting the best Cook Springs, AL car insurance quotes available.

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

Cook Springs, AL Minimum Car Insurance Coverage

Cook Springs, 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 Cook Springs, 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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Cook Springs, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cook Springs, Alabama

Insurance Company Low Medium High
Allstate $3,316 $3,441 $3,582
Farmers $4,004 $4,184 $4,529
GEICO $2,872 $3,089 $3,345
Liberty Mutual $5,266 $5,490 $5,793
Nationwide $2,578 $2,574 $2,635
Progressive $4,123 $4,566 $5,078
State Farm $4,460 $4,711 $4,984
Travelers $3,446 $3,675 $3,689
USAA $2,015 $2,077 $2,171

Cook Springs, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cook Springs, 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 $2,060 $1,958 $1,868 $1,904 $7,303 $7,842 $2,294 $2,341
Farmers $2,421 $2,403 $2,164 $2,298 $9,368 $9,638 $2,754 $2,865
GEICO $2,214 $2,202 $2,095 $2,161 $5,858 $5,765 $2,339 $2,181
Liberty Mutual $3,206 $3,464 $2,627 $2,937 $11,762 $13,077 $3,417 $3,642
Nationwide $1,696 $1,716 $1,548 $1,600 $4,472 $5,749 $1,882 $2,100
Progressive $2,458 $2,294 $2,025 $2,162 $10,332 $11,505 $2,879 $3,057
State Farm $2,872 $2,872 $2,606 $2,606 $8,795 $10,990 $3,246 $3,757
Travelers $1,477 $1,499 $1,390 $1,382 $7,845 $12,230 $1,400 $1,604
USAA $1,302 $1,323 $1,214 $1,190 $3,863 $4,285 $1,696 $1,831

Cook Springs, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cook Springs, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,303 $7,842
Farmers $9,368 $9,638
GEICO $5,858 $5,765
Liberty Mutual $11,762 $13,077
Nationwide $4,472 $5,749
Progressive $10,332 $11,505
State Farm $8,795 $10,990
Travelers $7,845 $12,230
USAA $3,863 $4,285

Cook Springs, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cook Springs, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,868 $1,904
Farmers $2,164 $2,298
GEICO $2,095 $2,161
Liberty Mutual $2,627 $2,937
Nationwide $1,548 $1,600
Progressive $2,025 $2,162
State Farm $2,606 $2,606
Travelers $1,390 $1,382
USAA $1,214 $1,190

Cook Springs, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cook Springs, Alabama

Insurance Company Poor Fair Good
Allstate $4,250 $3,349 $2,740
Farmers $4,752 $4,089 $3,875
GEICO $3,948 $2,813 $2,544
Liberty Mutual $7,906 $4,844 $3,799
Nationwide $3,130 $2,444 $2,211
Progressive $5,162 $4,445 $4,160
State Farm $7,644 $3,874 $2,636
Travelers $3,931 $3,408 $3,471
USAA $2,810 $1,825 $1,629

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Cook Springs, AL Car Insurance Rates by Driver History

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

Annual Cook Springs, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,919 $3,451 $4,107 $3,308
Farmers $3,565 $4,614 $4,501 $4,276
GEICO $2,089 $3,369 $4,162 $2,788
Liberty Mutual $4,322 $6,027 $5,889 $5,829
Nationwide $2,274 $2,274 $3,298 $2,535
Progressive $4,136 $5,222 $4,464 $4,534
State Farm $4,251 $5,289 $4,666 $4,666
Travelers $2,997 $3,146 $4,613 $3,658
USAA $1,606 $2,014 $2,994 $1,737

Cook Springs, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cook Springs, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,107
Farmers $4,501
GEICO $4,162
Liberty Mutual $5,889
Nationwide $3,298
Progressive $4,464
State Farm $4,666
Travelers $4,613
USAA $2,994

Cook Springs, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cook Springs, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,446 $3,446
Farmers $4,239 $4,239
GEICO $3,046 $3,158
Liberty Mutual $5,516 $5,516
Nationwide $2,595 $2,595
Progressive $4,589 $4,589
State Farm $4,605 $4,831
Travelers $3,603 $3,603
USAA $1,992 $2,183

Cook Springs, AL Cheapest Car Insurance Rates

How do the top Cook Springs, Alabama car insurance companies’ average rates stack up against the Cook Springs average monthly car insurance rates of $314? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Cook Springs, Alabama

Insurance Company Average Annual Rates
Allstate $3,446
Farmers $4,239
GEICO $3,102
Liberty Mutual $5,516
Nationwide $2,595
Progressive $4,589
State Farm $4,718
Travelers $3,603
USAA $2,088

Cook Springs, AL Car Insurance Quotes

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