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 Dauphin Island is 5.
  • Average car insurance rates in Dauphin Island, AL for senior drivers are $2,067/year
  • The cheapest car insurance company in Dauphin Island after a DUI is USAA

Average car insurance rates in Dauphin Island, Alabama are $331 a month. But with a little research you can get a great deal from the top car insurance companies in Dauphin Island, AL. Before you buy Dauphin Island, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Dauphin Island 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 Dauphin Island, AL car insurance quotes available.

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

Dauphin Island, AL Minimum Car Insurance Coverage

Dauphin Island, 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 Dauphin Island, 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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Dauphin Island, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Dauphin Island, Alabama

Insurance Company Low Medium High
Allstate $3,429 $3,559 $3,701
Farmers $4,448 $4,669 $5,097
GEICO $2,395 $2,606 $2,853
Liberty Mutual $5,251 $5,474 $5,773
Nationwide $2,872 $2,870 $2,937
Progressive $4,617 $5,069 $5,587
State Farm $4,742 $5,004 $5,282
Travelers $3,835 $4,136 $4,195
USAA $2,180 $2,258 $2,376

Dauphin Island, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dauphin Island, 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 $2,105 $1,997 $1,910 $1,946 $7,627 $8,194 $2,340 $2,386
Farmers $2,679 $2,659 $2,392 $2,549 $10,569 $10,869 $3,040 $3,148
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,179 $3,432 $2,601 $2,911 $11,784 $13,104 $3,384 $3,600
Nationwide $1,874 $1,896 $1,705 $1,765 $5,017 $6,468 $2,085 $2,334
Progressive $2,742 $2,575 $2,253 $2,395 $11,371 $12,708 $3,226 $3,459
State Farm $3,036 $3,036 $2,754 $2,754 $9,370 $11,711 $3,435 $3,980
Travelers $1,592 $1,614 $1,505 $1,498 $8,918 $14,117 $1,503 $1,698
USAA $1,404 $1,422 $1,318 $1,292 $4,236 $4,692 $1,830 $1,976

Dauphin Island, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Dauphin Island, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,627 $8,194
Farmers $10,569 $10,869
GEICO $4,934 $4,812
Liberty Mutual $11,784 $13,104
Nationwide $5,017 $6,468
Progressive $11,371 $12,708
State Farm $9,370 $11,711
Travelers $8,918 $14,117
USAA $4,236 $4,692

Dauphin Island, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Dauphin Island, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,910 $1,946
Farmers $2,392 $2,549
GEICO $1,795 $1,862
Liberty Mutual $2,601 $2,911
Nationwide $1,705 $1,765
Progressive $2,253 $2,395
State Farm $2,754 $2,754
Travelers $1,505 $1,498
USAA $1,318 $1,292

Dauphin Island, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Dauphin Island, Alabama

Insurance Company Poor Fair Good
Allstate $4,385 $3,467 $2,837
Farmers $5,311 $4,572 $4,331
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,865 $4,836 $3,796
Nationwide $3,490 $2,724 $2,465
Progressive $5,741 $4,927 $4,606
State Farm $8,130 $4,109 $2,788
Travelers $4,416 $3,837 $3,914
USAA $3,037 $1,993 $1,784

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Dauphin Island, AL Car Insurance Rates by Driver History

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

Annual Dauphin Island, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,008 $3,566 $4,261 $3,417
Farmers $3,983 $5,164 $5,038 $4,767
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,311 $6,009 $5,869 $5,808
Nationwide $2,527 $2,527 $3,692 $2,825
Progressive $4,600 $5,788 $4,932 $5,045
State Farm $4,509 $5,620 $4,954 $4,954
Travelers $3,373 $3,538 $5,207 $4,104
USAA $1,747 $2,196 $3,254 $1,889

Dauphin Island, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Dauphin Island, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,261
Farmers $5,038
GEICO $3,520
Liberty Mutual $5,869
Nationwide $3,692
Progressive $4,932
State Farm $4,954
Travelers $5,207
USAA $3,254

Dauphin Island, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Dauphin Island, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,563 $3,563
Farmers $4,738 $4,738
GEICO $2,571 $2,665
Liberty Mutual $5,499 $5,499
Nationwide $2,893 $2,893
Progressive $5,091 $5,091
State Farm $4,889 $5,130
Travelers $4,056 $4,056
USAA $2,167 $2,376

Dauphin Island, AL Cheapest Car Insurance Rates

How do the top Dauphin Island, Alabama car insurance companies’ average rates stack up against the Dauphin Island average monthly car insurance rates of $331? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Dauphin Island, Alabama

Insurance Company Average Annual Rates
Allstate $3,563
Farmers $4,738
GEICO $2,618
Liberty Mutual $5,499
Nationwide $2,893
Progressive $5,091
State Farm $5,009
Travelers $4,056
USAA $2,271

Other Factors Affecting Dauphin Island, AL Car Insurance Rates

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

Dauphin Island, AL Car Theft Rates

The car theft rate in Dauphin Island, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Dauphin Island, Alabama is 5 stolen cars.

Dauphin Island, AL Commute Time

How does your Dauphin Island, AL commute time compare with the average driver? In Dauphin Island, the average commute is 27.4 minutes.

Dauphin Island, AL Car Insurance Quotes

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