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 Cullman, AL are $303/month
  • Average car insurance rates in Cullman, AL for senior drivers are $1,932/year
  • The annual number of car thefts in Cullman is 44.

Average car insurance rates in Cullman, Alabama are $303 a month. But with a little research you can get a great deal from the top car insurance companies in Cullman, AL. Before you buy Cullman, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Cullman, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Cullman, Alabama

Insurance Company Low Medium High
Allstate $3,209 $3,304 $3,414
Farmers $4,007 $4,181 $4,512
GEICO $2,875 $3,092 $3,349
Liberty Mutual $4,891 $5,098 $5,376
Nationwide $2,600 $2,597 $2,660
Progressive $3,667 $4,101 $4,611
State Farm $4,610 $4,884 $5,177
Travelers $2,990 $3,225 $3,272
USAA $2,067 $2,130 $2,227

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cullman, 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 $1,996 $1,903 $1,803 $1,837 $6,934 $7,457 $2,243 $2,297
Farmers $2,419 $2,399 $2,161 $2,294 $9,349 $9,617 $2,758 $2,874
GEICO $2,214 $2,204 $2,102 $2,167 $5,867 $5,781 $2,333 $2,175
Liberty Mutual $2,984 $3,223 $2,448 $2,735 $10,900 $12,116 $3,179 $3,388
Nationwide $1,711 $1,732 $1,561 $1,615 $4,509 $5,801 $1,899 $2,121
Progressive $2,239 $2,091 $1,838 $1,971 $9,234 $10,279 $2,608 $2,751
State Farm $2,960 $2,960 $2,693 $2,693 $9,153 $11,442 $3,348 $3,870
Travelers $1,284 $1,303 $1,209 $1,206 $6,869 $10,822 $1,219 $1,384
USAA $1,327 $1,347 $1,238 $1,211 $3,987 $4,421 $1,733 $1,868

Cullman, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cullman, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,934 $7,457
Farmers $9,349 $9,617
GEICO $5,867 $5,781
Liberty Mutual $10,900 $12,116
Nationwide $4,509 $5,801
Progressive $9,234 $10,279
State Farm $9,153 $11,442
Travelers $6,869 $10,822
USAA $3,987 $4,421

Cullman, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cullman, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,803 $1,837
Farmers $2,161 $2,294
GEICO $2,102 $2,167
Liberty Mutual $2,448 $2,735
Nationwide $1,561 $1,615
Progressive $1,838 $1,971
State Farm $2,693 $2,693
Travelers $1,209 $1,206
USAA $1,238 $1,211

Cullman, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cullman, Alabama

Insurance Company Poor Fair Good
Allstate $4,086 $3,212 $2,628
Farmers $4,746 $4,085 $3,870
GEICO $3,952 $2,817 $2,547
Liberty Mutual $7,335 $4,499 $3,531
Nationwide $3,158 $2,466 $2,232
Progressive $4,652 $3,995 $3,732
State Farm $7,926 $4,015 $2,730
Travelers $3,447 $2,991 $3,048
USAA $2,880 $1,873 $1,671

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Cullman, AL Car Insurance Rates by Driver History

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

Annual Cullman, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,813 $3,313 $3,931 $3,178
Farmers $3,558 $4,607 $4,494 $4,276
GEICO $2,087 $3,376 $4,174 $2,784
Liberty Mutual $4,015 $5,594 $5,467 $5,411
Nationwide $2,293 $2,293 $3,331 $2,558
Progressive $3,720 $4,686 $4,018 $4,082
State Farm $4,400 $5,489 $4,836 $4,836
Travelers $2,637 $2,766 $4,040 $3,205
USAA $1,646 $2,068 $3,071 $1,780

Cullman, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cullman, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,931
Farmers $4,494
GEICO $4,174
Liberty Mutual $5,467
Nationwide $3,331
Progressive $4,018
State Farm $4,836
Travelers $4,040
USAA $3,071

Cullman, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cullman, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,309 $3,309
Farmers $4,234 $4,234
GEICO $3,051 $3,159
Liberty Mutual $5,122 $5,122
Nationwide $2,619 $2,619
Progressive $4,126 $4,126
State Farm $4,771 $5,009
Travelers $3,162 $3,162
USAA $2,044 $2,239

Cullman, AL Cheapest Car Insurance Rates

How do the top Cullman, Alabama car insurance companies’ average rates stack up against the Cullman average monthly car insurance rates of $303? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Cullman, Alabama

Insurance Company Average Annual Rates
Allstate $3,309
Farmers $4,234
GEICO $3,105
Liberty Mutual $5,122
Nationwide $2,619
Progressive $4,126
State Farm $4,890
Travelers $3,162
USAA $2,141

Other Factors Affecting Cullman, AL Car Insurance Rates

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

Cullman, AL Car Theft Rates

The car theft rate in Cullman, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Cullman, Alabama is 44 stolen cars.

Cullman, AL Commute Time

How does your Cullman, AL commute time compare with the average driver? In Cullman, the average commute is 20.5 minutes.

Cullman, AL Car Insurance Quotes

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