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 Fayette is 7.
  • Average car insurance rates in Fayette, AL for senior drivers are $1,901/year
  • Average car insurance rates in Fayette, AL are $297/month

Average car insurance rates in Fayette, Alabama are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Fayette, AL. Before you buy Fayette, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Fayette, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Fayette, Alabama

Insurance Company Low Medium High
Allstate $3,227 $3,331 $3,452
Farmers $3,840 $4,000 $4,306
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,990 $5,181 $5,437
Nationwide $2,566 $2,535 $2,589
Progressive $3,799 $4,144 $4,542
State Farm $4,387 $4,589 $4,810
Travelers $3,182 $3,418 $3,453
USAA $2,066 $2,126 $2,217

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fayette, 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 $2,032 $1,941 $1,831 $1,867 $6,941 $7,446 $2,290 $2,349
Farmers $2,342 $2,328 $2,096 $2,219 $8,848 $9,111 $2,665 $2,783
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $3,070 $3,319 $2,517 $2,813 $10,945 $12,168 $3,282 $3,508
Nationwide $1,701 $1,729 $1,544 $1,607 $4,316 $5,612 $1,882 $2,113
Progressive $2,285 $2,162 $1,874 $1,984 $9,156 $10,252 $2,693 $2,889
State Farm $2,896 $2,896 $2,585 $2,585 $8,326 $10,453 $3,262 $3,758
Travelers $1,387 $1,410 $1,294 $1,292 $7,225 $11,363 $1,316 $1,520
USAA $1,331 $1,354 $1,239 $1,215 $3,950 $4,385 $1,737 $1,877

Fayette, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fayette, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,941 $7,446
Farmers $8,848 $9,111
GEICO $4,918 $4,831
Liberty Mutual $10,945 $12,168
Nationwide $4,316 $5,612
Progressive $9,156 $10,252
State Farm $8,326 $10,453
Travelers $7,225 $11,363
USAA $3,950 $4,385

Fayette, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fayette, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,831 $1,867
Farmers $2,096 $2,219
GEICO $1,804 $1,850
Liberty Mutual $2,517 $2,813
Nationwide $1,544 $1,607
Progressive $1,874 $1,984
State Farm $2,585 $2,585
Travelers $1,294 $1,292
USAA $1,239 $1,215

Fayette, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fayette, Alabama

Insurance Company Poor Fair Good
Allstate $4,126 $3,237 $2,648
Farmers $4,543 $3,903 $3,701
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,461 $4,563 $3,584
Nationwide $3,099 $2,411 $2,179
Progressive $4,716 $4,022 $3,749
State Farm $7,453 $3,771 $2,561
Travelers $3,657 $3,168 $3,227
USAA $2,881 $1,865 $1,663

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Fayette, AL Car Insurance Rates by Driver History

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

Annual Fayette, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,845 $3,346 $3,951 $3,207
Farmers $3,409 $4,401 $4,293 $4,093
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $4,081 $5,675 $5,561 $5,495
Nationwide $2,238 $2,238 $3,273 $2,503
Progressive $3,772 $4,714 $4,022 $4,140
State Farm $4,178 $5,105 $4,549 $4,549
Travelers $2,796 $2,935 $4,269 $3,404
USAA $1,642 $2,059 $3,067 $1,777

Fayette, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fayette, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,951
Farmers $4,293
GEICO $3,504
Liberty Mutual $5,561
Nationwide $3,273
Progressive $4,022
State Farm $4,549
Travelers $4,269
USAA $3,067

Fayette, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fayette, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,337 $3,337
Farmers $4,049 $4,049
GEICO $2,587 $2,686
Liberty Mutual $5,203 $5,203
Nationwide $2,563 $2,563
Progressive $4,162 $4,162
State Farm $4,487 $4,703
Travelers $3,351 $3,351
USAA $2,038 $2,234

Fayette, AL Cheapest Car Insurance Rates

How do the top Fayette, Alabama car insurance companies’ average rates stack up against the Fayette average monthly car insurance rates of $297? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Fayette, Alabama

Insurance Company Average Annual Rates
Allstate $3,337
Farmers $4,049
GEICO $2,637
Liberty Mutual $5,203
Nationwide $2,563
Progressive $4,162
State Farm $4,595
Travelers $3,351
USAA $2,136

Other Factors Affecting Fayette, AL Car Insurance Rates

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

Fayette, AL Car Theft Rates

The car theft rate in Fayette, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Fayette, Alabama is 7 stolen cars.

Fayette, AL Commute Time

How does your Fayette, AL commute time compare with the average driver? In Fayette, the average commute is 34.8 minutes.

Fayette, AL Traffic

Spending time in Fayette traffic can lead to higher car insurance rates. According to INRIX data, Fayette, AL ranks as the 799th-most congested with traffic in the world.

Fayette, AL Car Insurance Quotes

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