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

  • Average car insurance rates in Fairhope, AL are $295/month
  • Average car insurance rates in Fairhope, AL for senior drivers are $1,858/year
  • The cheapest car insurance company in Fairhope after a DUI is USAA

Average car insurance rates in Fairhope, Alabama are $295 a month. But with a little research you can get a great deal from the top car insurance companies in Fairhope, AL. Before you buy Fairhope, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Fairhope, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Fairhope, Alabama

Insurance Company Low Medium High
Allstate $2,985 $3,082 $3,190
Farmers $3,663 $3,847 $4,199
GEICO $2,550 $2,763 $3,013
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,728 $4,180 $4,693
State Farm $4,095 $4,351 $4,623
Travelers $3,642 $3,911 $3,951
USAA $1,914 $1,980 $2,083

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fairhope, 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 $1,851 $1,762 $1,677 $1,709 $6,508 $7,006 $2,065 $2,108
Farmers $2,224 $2,209 $1,987 $2,117 $8,665 $8,915 $2,511 $2,593
GEICO $1,980 $1,969 $1,893 $1,961 $5,246 $5,134 $2,089 $1,931
Liberty Mutual $3,026 $3,268 $2,482 $2,777 $11,136 $12,384 $3,218 $3,422
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,253 $2,104 $1,853 $1,978 $9,447 $10,540 $2,631 $2,799
State Farm $2,632 $2,632 $2,399 $2,399 $8,163 $10,216 $2,978 $3,432
Travelers $1,540 $1,563 $1,449 $1,443 $8,372 $13,187 $1,457 $1,664
USAA $1,243 $1,261 $1,165 $1,144 $3,686 $4,084 $1,614 $1,743

Fairhope, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fairhope, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,508 $7,006
Farmers $8,665 $8,915
GEICO $5,246 $5,134
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $8,163 $10,216
Travelers $8,372 $13,187
USAA $3,686 $4,084

Fairhope, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fairhope, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,677 $1,709
Farmers $1,987 $2,117
GEICO $1,893 $1,961
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,853 $1,978
State Farm $2,399 $2,399
Travelers $1,449 $1,443
USAA $1,165 $1,144

Fairhope, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fairhope, Alabama

Insurance Company Poor Fair Good
Allstate $3,809 $2,997 $2,451
Farmers $4,372 $3,766 $3,570
GEICO $3,530 $2,518 $2,278
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,725 $4,069 $3,807
State Farm $7,063 $3,576 $2,430
Travelers $4,179 $3,627 $3,697
USAA $2,667 $1,747 $1,563

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Fairhope, AL Car Insurance Rates by Driver History

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

Annual Fairhope, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,620 $3,089 $3,671 $2,963
Farmers $3,288 $4,254 $4,150 $3,920
GEICO $1,865 $3,014 $3,740 $2,481
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,780 $4,774 $4,100 $4,147
State Farm $3,918 $4,892 $4,308 $4,308
Travelers $3,192 $3,349 $4,910 $3,887
USAA $1,535 $1,925 $2,849 $1,660

Fairhope, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fairhope, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,671
Farmers $4,150
GEICO $3,740
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,100
State Farm $4,308
Travelers $4,910
USAA $2,849

Fairhope, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fairhope, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,086 $3,086
Farmers $3,903 $3,903
GEICO $2,727 $2,823
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,201 $4,201
State Farm $4,249 $4,464
Travelers $3,834 $3,834
USAA $1,901 $2,083

Fairhope, AL Cheapest Car Insurance Rates

How do the top Fairhope, Alabama car insurance companies’ average rates stack up against the Fairhope average monthly car insurance rates of $295? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Fairhope, Alabama

Insurance Company Average Annual Rates
Allstate $3,086
Farmers $3,903
GEICO $2,775
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,201
State Farm $4,356
Travelers $3,834
USAA $1,992

Other Factors Affecting Fairhope, AL Car Insurance Rates

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

Fairhope, AL Car Theft Rates

The car theft rate in Fairhope, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Fairhope, Alabama is 31 stolen cars.

Fairhope, AL Commute Time

How does your Fairhope, AL commute time compare with the average driver? In Fairhope, the average commute is 24.5 minutes.

Fairhope, AL Car Insurance Quotes

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