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 cheapest car insurance company in Daphne for teen drivers is USAA
  • The annual number of car thefts in Daphne is 17.
  • The cheapest car insurance company in Daphne after a DUI is USAA

Average car insurance rates in Daphne, Alabama are $304 a month. But with a little research you can get a great deal from the top car insurance companies in Daphne, AL. Before you buy Daphne, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Daphne, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Daphne, Alabama

Insurance Company Low Medium High
Allstate $3,154 $3,257 $3,372
Farmers $3,833 $4,023 $4,388
GEICO $2,550 $2,763 $3,013
Liberty Mutual $5,248 $5,471 $5,771
Nationwide $2,452 $2,462 $2,528
Progressive $4,032 $4,504 $5,042
State Farm $4,177 $4,434 $4,705
Travelers $3,568 $3,833 $3,873
USAA $1,898 $1,964 $2,066

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Daphne, 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 $1,944 $1,848 $1,762 $1,795 $6,914 $7,444 $2,168 $2,213
Farmers $2,322 $2,306 $2,074 $2,209 $9,067 $9,327 $2,628 $2,718
GEICO $1,980 $1,969 $1,893 $1,961 $5,246 $5,134 $2,089 $1,931
Liberty Mutual $3,172 $3,424 $2,595 $2,904 $11,797 $13,118 $3,375 $3,589
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,437 $2,277 $2,004 $2,138 $10,152 $11,324 $2,848 $3,027
State Farm $2,681 $2,681 $2,442 $2,442 $8,321 $10,409 $3,034 $3,500
Travelers $1,510 $1,533 $1,421 $1,416 $8,203 $12,921 $1,429 $1,631
USAA $1,234 $1,252 $1,156 $1,135 $3,653 $4,047 $1,601 $1,729

Daphne, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Daphne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,914 $7,444
Farmers $9,067 $9,327
GEICO $5,246 $5,134
Liberty Mutual $11,797 $13,118
Nationwide $4,274 $5,478
Progressive $10,152 $11,324
State Farm $8,321 $10,409
Travelers $8,203 $12,921
USAA $3,653 $4,047

Daphne, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Daphne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,762 $1,795
Farmers $2,074 $2,209
GEICO $1,893 $1,961
Liberty Mutual $2,595 $2,904
Nationwide $1,486 $1,534
Progressive $2,004 $2,138
State Farm $2,442 $2,442
Travelers $1,421 $1,416
USAA $1,156 $1,135

Daphne, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Daphne, Alabama

Insurance Company Poor Fair Good
Allstate $4,020 $3,170 $2,593
Farmers $4,574 $3,938 $3,732
GEICO $3,530 $2,518 $2,278
Liberty Mutual $7,860 $4,836 $3,795
Nationwide $2,987 $2,338 $2,118
Progressive $5,096 $4,383 $4,099
State Farm $7,197 $3,643 $2,476
Travelers $4,096 $3,555 $3,623
USAA $2,646 $1,733 $1,550

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Daphne, AL Car Insurance Rates by Driver History

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

Annual Daphne, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,762 $3,263 $3,888 $3,130
Farmers $3,436 $4,447 $4,339 $4,103
GEICO $1,865 $3,014 $3,740 $2,481
Liberty Mutual $4,309 $6,008 $5,865 $5,805
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $4,076 $5,142 $4,413 $4,472
State Farm $3,992 $4,985 $4,389 $4,389
Travelers $3,129 $3,282 $4,812 $3,809
USAA $1,522 $1,910 $2,826 $1,646

Daphne, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Daphne, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,888
Farmers $4,339
GEICO $3,740
Liberty Mutual $5,865
Nationwide $3,145
Progressive $4,413
State Farm $4,389
Travelers $4,812
USAA $2,826

Daphne, AL Car Insurance Rates by ZIP Code

Just like Daphne car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Daphne, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Daphne, Alabama

ZIP Code Average Annual Rates
36526 $3,767
36527 $3,755

Daphne, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Daphne, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,261 $3,261
Farmers $4,081 $4,081
GEICO $2,727 $2,823
Liberty Mutual $5,497 $5,497
Nationwide $2,481 $2,481
Progressive $4,526 $4,526
State Farm $4,330 $4,548
Travelers $3,758 $3,758
USAA $1,886 $2,066

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Daphne, AL Cheapest Car Insurance Rates

How do the top Daphne, Alabama car insurance companies’ average rates stack up against the Daphne average monthly car insurance rates of $304? Take a look and see.

Best Annual Car Insurance Rates by Company in Daphne, Alabama

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

Daphne, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Daphne, Alabama

Insurance Company Average Annual Rates
Allstate $3,261
Farmers $4,081
GEICO $2,775
Liberty Mutual $5,497
Nationwide $2,481
Progressive $4,526
State Farm $4,439
Travelers $3,758
USAA $1,976

Other Factors Affecting Daphne, AL Car Insurance Rates

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

Daphne, AL Car Theft Rates

The car theft rate in Daphne, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Daphne, Alabama is 17 stolen cars.

Daphne, AL Commute Time

How does your Daphne, AL commute time compare with the average driver? In Daphne, the average commute is 26.2 minutes.

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Daphne, AL Car Insurance Quotes

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