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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Elba, AL are $286/month
  • The annual number of car thefts in Elba is 9.
  • The cheapest car insurance company in Elba for teen drivers is USAA

Average car insurance rates in Elba, Alabama are $286 a month. But with a little research you can get a great deal from the top car insurance companies in Elba, AL. Before you buy Elba, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Elba, AL Minimum Car Insurance Coverage

Elba, 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 Elba, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Elba, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elba, Alabama

Insurance Company Low Medium High
Allstate $3,080 $3,180 $3,292
Farmers $3,670 $3,852 $4,199
GEICO $2,433 $2,631 $2,867
Liberty Mutual $4,673 $4,877 $5,151
Nationwide $2,529 $2,526 $2,589
Progressive $3,414 $3,774 $4,197
State Farm $3,983 $4,215 $4,465
Travelers $3,559 $3,785 $3,790
USAA $1,897 $1,960 $2,056

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elba, 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 $1,962 $1,884 $1,762 $1,800 $6,527 $7,014 $2,231 $2,291
Farmers $2,225 $2,209 $1,987 $2,116 $8,679 $8,928 $2,515 $2,598
GEICO $1,919 $1,894 $1,817 $1,864 $4,936 $4,820 $2,027 $1,875
Liberty Mutual $2,899 $3,134 $2,388 $2,671 $10,297 $11,448 $3,085 $3,284
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,089 $1,967 $1,711 $1,825 $8,377 $9,354 $2,444 $2,595
State Farm $2,602 $2,602 $2,351 $2,351 $7,785 $9,768 $2,937 $3,372
Travelers $1,535 $1,560 $1,433 $1,429 $8,037 $12,553 $1,457 $1,688
USAA $1,234 $1,256 $1,154 $1,135 $3,627 $4,023 $1,604 $1,735

Elba, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Elba, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,527 $7,014
Farmers $8,679 $8,928
GEICO $4,936 $4,820
Liberty Mutual $10,297 $11,448
Nationwide $4,358 $5,617
Progressive $8,377 $9,354
State Farm $7,785 $9,768
Travelers $8,037 $12,553
USAA $3,627 $4,023

Elba, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Elba, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,762 $1,800
Farmers $1,987 $2,116
GEICO $1,817 $1,864
Liberty Mutual $2,388 $2,671
Nationwide $1,527 $1,581
Progressive $1,711 $1,825
State Farm $2,351 $2,351
Travelers $1,433 $1,429
USAA $1,154 $1,135

Elba, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Elba, Alabama

Insurance Company Poor Fair Good
Allstate $3,946 $3,085 $2,521
Farmers $4,376 $3,771 $3,574
GEICO $3,361 $2,399 $2,171
Liberty Mutual $7,019 $4,301 $3,382
Nationwide $3,073 $2,400 $2,171
Progressive $4,297 $3,669 $3,420
State Farm $6,841 $3,466 $2,356
Travelers $4,051 $3,510 $3,574
USAA $2,646 $1,725 $1,541

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Elba, AL Car Insurance Rates by Driver History

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

Annual Elba, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,733 $3,203 $3,738 $3,062
Farmers $3,290 $4,258 $4,155 $3,926
GEICO $1,796 $2,872 $3,506 $2,401
Liberty Mutual $3,848 $5,343 $5,236 $5,175
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,434 $4,298 $3,678 $3,770
State Farm $3,816 $4,716 $4,176 $4,176
Travelers $3,092 $3,246 $4,740 $3,769
USAA $1,518 $1,902 $2,822 $1,642

Elba, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Elba, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,738
Farmers $4,155
GEICO $3,506
Liberty Mutual $5,236
Nationwide $3,241
Progressive $3,678
State Farm $4,176
Travelers $4,740
USAA $2,822

Elba, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Elba, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,184 $3,184
Farmers $3,907 $3,907
GEICO $2,594 $2,694
Liberty Mutual $4,901 $4,901
Nationwide $2,548 $2,548
Progressive $3,795 $3,795
State Farm $4,118 $4,324
Travelers $3,712 $3,712
USAA $1,881 $2,061

Elba, AL Cheapest Car Insurance Rates

How do the top Elba, Alabama car insurance companies’ average rates stack up against the Elba average monthly car insurance rates of $286? Take a look and see.

Best Annual Car Insurance Rates by Company in Elba, Alabama

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Elba, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Elba, Alabama

Insurance Company Average Annual Rates
Allstate $3,184
Farmers $3,907
GEICO $2,644
Liberty Mutual $4,901
Nationwide $2,548
Progressive $3,795
State Farm $4,221
Travelers $3,712
USAA $1,971

Other Factors Affecting Elba, AL Car Insurance Rates

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

Elba, AL Car Theft Rates

The car theft rate in Elba, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Elba, Alabama is 9 stolen cars.

Elba, AL Commute Time

How does your Elba, AL commute time compare with the average driver? In Elba, the average commute is 22.4 minutes.

Elba, AL Car Insurance Quotes

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