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 Elmore after a DUI is USAA
  • The cheapest car insurance company in Elmore for teen drivers is USAA
  • Average car insurance rates in Elmore, AL are $311/month

Average car insurance rates in Elmore, Alabama are $311 a month. But with a little research you can get a great deal from the top car insurance companies in Elmore, AL. Before you buy Elmore, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Elmore, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Elmore, Alabama

Insurance Company Low Medium High
Allstate $3,092 $3,206 $3,332
Farmers $3,765 $3,938 $4,264
GEICO $2,708 $2,924 $3,177
Liberty Mutual $5,006 $5,225 $5,519
Nationwide $2,711 $2,701 $2,763
Progressive $4,101 $4,566 $5,091
State Farm $4,582 $4,857 $5,147
Travelers $3,723 $4,003 $4,047
USAA $2,039 $2,103 $2,200

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elmore, 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 $1,934 $1,845 $1,751 $1,785 $6,740 $7,250 $2,164 $2,210
Farmers $2,298 $2,283 $2,054 $2,181 $8,772 $9,029 $2,599 $2,698
GEICO $2,098 $2,086 $1,990 $2,057 $5,541 $5,439 $2,218 $2,063
Liberty Mutual $3,030 $3,272 $2,479 $2,772 $11,257 $12,520 $3,228 $3,439
Nationwide $1,777 $1,799 $1,618 $1,676 $4,696 $6,054 $1,974 $2,208
Progressive $2,442 $2,279 $2,010 $2,143 $10,350 $11,547 $2,861 $3,055
State Farm $2,942 $2,942 $2,675 $2,675 $9,100 $11,391 $3,330 $3,840
Travelers $1,575 $1,599 $1,482 $1,476 $8,570 $13,501 $1,488 $1,700
USAA $1,324 $1,347 $1,235 $1,215 $3,890 $4,316 $1,721 $1,864

Elmore, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Elmore, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,740 $7,250
Farmers $8,772 $9,029
GEICO $5,541 $5,439
Liberty Mutual $11,257 $12,520
Nationwide $4,696 $6,054
Progressive $10,350 $11,547
State Farm $9,100 $11,391
Travelers $8,570 $13,501
USAA $3,890 $4,316

Elmore, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Elmore, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,751 $1,785
Farmers $2,054 $2,181
GEICO $1,990 $2,057
Liberty Mutual $2,479 $2,772
Nationwide $1,618 $1,676
Progressive $2,010 $2,143
State Farm $2,675 $2,675
Travelers $1,482 $1,476
USAA $1,235 $1,215

Elmore, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Elmore, Alabama

Insurance Company Poor Fair Good
Allstate $3,965 $3,117 $2,548
Farmers $4,471 $3,848 $3,649
GEICO $3,736 $2,664 $2,410
Liberty Mutual $7,515 $4,614 $3,620
Nationwide $3,289 $2,566 $2,321
Progressive $5,153 $4,444 $4,161
State Farm $7,890 $3,989 $2,707
Travelers $4,278 $3,711 $3,783
USAA $2,845 $1,848 $1,649

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Elmore, AL Car Insurance Rates by Driver History

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

Annual Elmore, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,732 $3,221 $3,804 $3,083
Farmers $3,362 $4,342 $4,236 $4,017
GEICO $1,979 $3,187 $3,940 $2,640
Liberty Mutual $4,114 $5,738 $5,600 $5,547
Nationwide $2,383 $2,383 $3,473 $2,661
Progressive $4,128 $5,220 $4,469 $4,526
State Farm $4,375 $5,457 $4,808 $4,808
Travelers $3,265 $3,426 $5,026 $3,980
USAA $1,627 $2,037 $3,032 $1,760

Elmore, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Elmore, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,804
Farmers $4,236
GEICO $3,940
Liberty Mutual $5,600
Nationwide $3,473
Progressive $4,469
State Farm $4,808
Travelers $5,026
USAA $3,032

Elmore, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Elmore, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,210 $3,210
Farmers $3,989 $3,989
GEICO $2,883 $2,990
Liberty Mutual $5,250 $5,250
Nationwide $2,725 $2,725
Progressive $4,586 $4,586
State Farm $4,743 $4,981
Travelers $3,924 $3,924
USAA $2,017 $2,211

Elmore, AL Cheapest Car Insurance Rates

How do the top Elmore, Alabama car insurance companies’ average rates stack up against the Elmore average monthly car insurance rates of $311? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Elmore, Alabama

Insurance Company Average Annual Rates
Allstate $3,210
Farmers $3,989
GEICO $2,937
Liberty Mutual $5,250
Nationwide $2,725
Progressive $4,586
State Farm $4,862
Travelers $3,924
USAA $2,114

Other Factors Affecting Elmore, AL Car Insurance Rates

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

Elmore, AL Commute Time

How does your Elmore, AL commute time compare with the average driver? In Elmore, the average commute is 23.8 minutes.

Elmore, AL Car Insurance Quotes

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