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 Cottonton after a DUI is USAA
  • Average car insurance rates in Cottonton, AL for senior drivers are $2,047/year
  • The cheapest car insurance company in Cottonton for teen drivers is USAA

Average car insurance rates in Cottonton, Alabama are $322 a month. But with a little research you can get a great deal from the top car insurance companies in Cottonton, AL. Before you buy Cottonton, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Cottonton, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Cottonton, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $4,352 $4,524 $4,852
GEICO $2,726 $2,919 $3,149
Liberty Mutual $5,269 $5,483 $5,771
Nationwide $2,658 $2,662 $2,728
Progressive $3,983 $4,490 $5,095
State Farm $4,974 $5,273 $5,589
Travelers $3,688 $3,972 $4,022
USAA $2,213 $2,286 $2,398

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cottonton, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,676 $2,663 $2,397 $2,532 $9,908 $10,210 $3,041 $3,183
GEICO $2,127 $2,102 $1,993 $2,033 $5,465 $5,384 $2,245 $2,102
Liberty Mutual $3,198 $3,454 $2,614 $2,924 $11,751 $13,069 $3,412 $3,639
Nationwide $1,757 $1,780 $1,600 $1,658 $4,596 $5,937 $1,950 $2,183
Progressive $2,517 $2,363 $2,059 $2,212 $9,956 $11,095 $2,921 $3,058
State Farm $3,235 $3,235 $2,930 $2,930 $9,778 $12,270 $3,655 $4,196
Travelers $1,572 $1,597 $1,471 $1,468 $8,465 $13,383 $1,486 $1,709
USAA $1,421 $1,442 $1,330 $1,305 $4,284 $4,750 $1,856 $2,005

Cottonton, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cottonton, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $9,908 $10,210
GEICO $5,465 $5,384
Liberty Mutual $11,751 $13,069
Nationwide $4,596 $5,937
Progressive $9,956 $11,095
State Farm $9,778 $12,270
Travelers $8,465 $13,383
USAA $4,284 $4,750

Cottonton, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cottonton, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,397 $2,532
GEICO $1,993 $2,033
Liberty Mutual $2,614 $2,924
Nationwide $1,600 $1,658
Progressive $2,059 $2,212
State Farm $2,930 $2,930
Travelers $1,471 $1,468
USAA $1,330 $1,305

Cottonton, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cottonton, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $5,138 $4,409 $4,182
GEICO $3,729 $2,659 $2,405
Liberty Mutual $7,887 $4,839 $3,797
Nationwide $3,234 $2,526 $2,287
Progressive $5,123 $4,373 $4,072
State Farm $8,561 $4,332 $2,942
Travelers $4,246 $3,682 $3,753
USAA $3,083 $2,014 $1,800

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Cottonton, AL Car Insurance Rates by Driver History

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

Annual Cottonton, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,858 $4,969 $4,847 $4,630
GEICO $1,994 $3,179 $3,878 $2,674
Liberty Mutual $4,317 $6,016 $5,880 $5,817
Nationwide $2,345 $2,345 $3,420 $2,620
Progressive $4,083 $5,113 $4,404 $4,490
State Farm $4,766 $5,906 $5,222 $5,222
Travelers $3,244 $3,404 $4,976 $3,951
USAA $1,767 $2,220 $3,298 $1,911

Cottonton, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cottonton, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,847
GEICO $3,878
Liberty Mutual $5,880
Nationwide $3,420
Progressive $4,404
State Farm $5,222
Travelers $4,976
USAA $3,298

Cottonton, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cottonton, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,576 $4,576
GEICO $2,876 $2,987
Liberty Mutual $5,508 $5,508
Nationwide $2,682 $2,682
Progressive $4,523 $4,523
State Farm $5,148 $5,409
Travelers $3,894 $3,894
USAA $2,194 $2,404

Cottonton, AL Cheapest Car Insurance Rates

How do the top Cottonton, Alabama car insurance companies’ average rates stack up against the Cottonton average monthly car insurance rates of $322? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Cottonton, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,576
GEICO $2,931
Liberty Mutual $5,508
Nationwide $2,682
Progressive $4,523
State Farm $5,279
Travelers $3,894
USAA $2,299

Cottonton, AL Car Insurance Quotes

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