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 annual number of car thefts in Fairfield is 82.
  • Average car insurance rates in Fairfield, AL for senior drivers are $2,226/year
  • Average car insurance rates in Fairfield, AL are $355/month

Average car insurance rates in Fairfield, Alabama are $355 a month. But with a little research you can get a great deal from the top car insurance companies in Fairfield, AL. Before you buy Fairfield, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Fairfield, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Fairfield, Alabama

Insurance Company Low Medium High
Allstate $3,409 $3,547 $3,708
Farmers $4,250 $4,466 $4,887
GEICO $3,128 $3,390 $3,695
Liberty Mutual $5,833 $6,115 $6,494
Nationwide $2,860 $2,849 $2,912
Progressive $4,674 $5,230 $5,866
State Farm $5,725 $6,059 $6,408
Travelers $4,132 $4,435 $4,478
USAA $2,118 $2,186 $2,288

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fairfield, 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 $2,134 $2,030 $1,940 $1,976 $7,509 $8,056 $2,372 $2,420
Farmers $2,568 $2,553 $2,292 $2,442 $10,111 $10,417 $2,899 $2,993
GEICO $2,403 $2,406 $2,292 $2,390 $6,468 $6,361 $2,544 $2,368
Liberty Mutual $3,508 $3,790 $2,869 $3,215 $13,309 $14,806 $3,725 $3,956
Nationwide $1,860 $1,882 $1,693 $1,752 $4,989 $6,426 $2,070 $2,316
Progressive $2,812 $2,625 $2,309 $2,470 $11,836 $13,211 $3,287 $3,504
State Farm $3,688 $3,688 $3,343 $3,343 $11,304 $14,163 $4,171 $4,808
Travelers $1,718 $1,744 $1,619 $1,612 $9,548 $15,077 $1,622 $1,848
USAA $1,362 $1,378 $1,272 $1,242 $4,100 $4,540 $1,773 $1,911

Fairfield, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fairfield, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,509 $8,056
Farmers $10,111 $10,417
GEICO $6,468 $6,361
Liberty Mutual $13,309 $14,806
Nationwide $4,989 $6,426
Progressive $11,836 $13,211
State Farm $11,304 $14,163
Travelers $9,548 $15,077
USAA $4,100 $4,540

Fairfield, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fairfield, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,940 $1,976
Farmers $2,292 $2,442
GEICO $2,292 $2,390
Liberty Mutual $2,869 $3,215
Nationwide $1,693 $1,752
Progressive $2,309 $2,470
State Farm $3,343 $3,343
Travelers $1,619 $1,612
USAA $1,272 $1,242

Fairfield, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fairfield, Alabama

Insurance Company Poor Fair Good
Allstate $4,387 $3,453 $2,824
Farmers $5,077 $4,377 $4,149
GEICO $4,335 $3,087 $2,791
Liberty Mutual $8,800 $5,407 $4,235
Nationwide $3,468 $2,706 $2,447
Progressive $5,911 $5,093 $4,766
State Farm $9,845 $4,973 $3,372
Travelers $4,737 $4,114 $4,195
USAA $2,951 $1,923 $1,718

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Fairfield, AL Car Insurance Rates by Driver History

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

Annual Fairfield, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,014 $3,559 $4,233 $3,413
Farmers $3,820 $4,944 $4,824 $4,550
GEICO $2,281 $3,689 $4,608 $3,039
Liberty Mutual $4,812 $6,726 $6,554 $6,497
Nationwide $2,512 $2,512 $3,665 $2,806
Progressive $4,733 $5,982 $5,119 $5,193
State Farm $5,464 $6,796 $5,997 $5,997
Travelers $3,616 $3,793 $5,581 $4,403
USAA $1,689 $2,123 $3,150 $1,827

Fairfield, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fairfield, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,233
Farmers $4,824
GEICO $4,608
Liberty Mutual $6,554
Nationwide $3,665
Progressive $5,119
State Farm $5,997
Travelers $5,581
USAA $3,150

Fairfield, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fairfield, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,555 $3,555
Farmers $4,534 $4,534
GEICO $3,342 $3,466
Liberty Mutual $6,147 $6,147
Nationwide $2,874 $2,874
Progressive $5,257 $5,257
State Farm $5,915 $6,212
Travelers $4,348 $4,348
USAA $2,097 $2,298

Fairfield, AL Cheapest Car Insurance Rates

How do the top Fairfield, Alabama car insurance companies’ average rates stack up against the Fairfield average monthly car insurance rates of $355? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Fairfield, Alabama

Insurance Company Average Annual Rates
Allstate $3,555
Farmers $4,534
GEICO $3,404
Liberty Mutual $6,147
Nationwide $2,874
Progressive $5,257
State Farm $6,064
Travelers $4,348
USAA $2,197

Other Factors Affecting Fairfield, AL Car Insurance Rates

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

Fairfield, AL Car Theft Rates

The car theft rate in Fairfield, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Fairfield, Alabama is 82 stolen cars.

Fairfield, AL Commute Time

How does your Fairfield, AL commute time compare with the average driver? In Fairfield, the average commute is 23.5 minutes.

Fairfield, AL Traffic

Spending time in Fairfield traffic can lead to higher car insurance rates. According to INRIX data, Fairfield, AL ranks as the 658th-most congested with traffic in the world.

Fairfield, AL Car Insurance Quotes

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