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 Fort Payne, AL are $293/month
  • Average car insurance rates in Fort Payne, AL for senior drivers are $1,859/year
  • The cheapest car insurance company in Fort Payne for teen drivers is USAA

Average car insurance rates in Fort Payne, Alabama are $293 a month. But with a little research you can get a great deal from the top car insurance companies in Fort Payne, AL. Before you buy Fort Payne, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Fort Payne car insurance rates with Hoover car insurance rates, Madison car insurance rates, or Huntsville car insurance rates to make sure you’re getting the best Fort Payne, AL car insurance quotes available.

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

Fort Payne, AL Minimum Car Insurance Coverage

Fort Payne, 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 Fort Payne, 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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Fort Payne, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fort Payne, Alabama

Insurance Company Low Medium High
Allstate $2,965 $3,057 $3,166
Farmers $3,717 $3,868 $4,156
GEICO $2,613 $2,811 $3,048
Liberty Mutual $5,132 $5,339 $5,619
Nationwide $2,532 $2,529 $2,590
Progressive $3,598 $3,958 $4,383
State Farm $3,982 $4,201 $4,437
Travelers $3,546 $3,801 $3,832
USAA $1,905 $1,965 $2,056

Fort Payne, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fort Payne, 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 $1,870 $1,787 $1,690 $1,722 $6,354 $6,829 $2,100 $2,151
Farmers $2,254 $2,237 $2,016 $2,134 $8,577 $8,828 $2,572 $2,690
GEICO $2,034 $2,021 $1,927 $1,978 $5,284 $5,207 $2,142 $2,000
Liberty Mutual $3,136 $3,389 $2,566 $2,870 $11,371 $12,648 $3,350 $3,578
Nationwide $1,667 $1,687 $1,523 $1,574 $4,394 $5,642 $1,850 $2,063
Progressive $2,173 $2,044 $1,778 $1,898 $8,825 $9,857 $2,547 $2,717
State Farm $2,573 $2,573 $2,329 $2,329 $7,813 $9,769 $2,907 $3,362
Travelers $1,520 $1,544 $1,426 $1,420 $8,098 $12,710 $1,439 $1,654
USAA $1,231 $1,250 $1,149 $1,126 $3,657 $4,056 $1,603 $1,729

Fort Payne, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Fort Payne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,354 $6,829
Farmers $8,577 $8,828
GEICO $5,284 $5,207
Liberty Mutual $11,371 $12,648
Nationwide $4,394 $5,642
Progressive $8,825 $9,857
State Farm $7,813 $9,769
Travelers $8,098 $12,710
USAA $3,657 $4,056

Fort Payne, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Fort Payne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,690 $1,722
Farmers $2,016 $2,134
GEICO $1,927 $1,978
Liberty Mutual $2,566 $2,870
Nationwide $1,523 $1,574
Progressive $1,778 $1,898
State Farm $2,329 $2,329
Travelers $1,426 $1,420
USAA $1,149 $1,126

Fort Payne, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Fort Payne, Alabama

Insurance Company Poor Fair Good
Allstate $3,790 $2,969 $2,428
Farmers $4,390 $3,774 $3,577
GEICO $3,592 $2,562 $2,318
Liberty Mutual $7,687 $4,707 $3,696
Nationwide $3,075 $2,402 $2,174
Progressive $4,501 $3,849 $3,590
State Farm $6,818 $3,454 $2,349
Travelers $4,065 $3,524 $3,590
USAA $2,655 $1,728 $1,543

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Fort Payne, AL Car Insurance Rates by Driver History

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

Annual Fort Payne, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,614 $3,068 $3,624 $2,944
Farmers $3,291 $4,254 $4,149 $3,960
GEICO $1,912 $3,060 $3,769 $2,555
Liberty Mutual $4,206 $5,854 $5,729 $5,665
Nationwide $2,236 $2,236 $3,238 $2,491
Progressive $3,604 $4,517 $3,846 $3,954
State Farm $3,795 $4,710 $4,161 $4,161
Travelers $3,102 $3,256 $4,764 $3,783
USAA $1,520 $1,908 $2,828 $1,644

Fort Payne, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Fort Payne, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,624
Farmers $4,149
GEICO $3,769
Liberty Mutual $5,729
Nationwide $3,238
Progressive $3,846
State Farm $4,161
Travelers $4,764
USAA $2,828

Fort Payne, AL Car Insurance Rates by ZIP Code

Just like Fort Payne car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Fort Payne, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Fort Payne, Alabama

ZIP Code Average Annual Rates
35967 $3,592
35968 $3,620

Fort Payne, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Fort Payne, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,063 $3,063
Farmers $3,913 $3,913
GEICO $2,773 $2,875
Liberty Mutual $5,363 $5,363
Nationwide $2,550 $2,550
Progressive $3,980 $3,980
State Farm $4,106 $4,307
Travelers $3,727 $3,727
USAA $1,885 $2,065

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Fort Payne, AL Cheapest Car Insurance Rates

How do the top Fort Payne, Alabama car insurance companies’ average rates stack up against the Fort Payne average monthly car insurance rates of $293? Take a look and see.

Best Annual Car Insurance Rates by Company in Fort Payne, Alabama

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

Fort Payne, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Fort Payne, Alabama

Insurance Company Average Annual Rates
Allstate $3,063
Farmers $3,913
GEICO $2,824
Liberty Mutual $5,363
Nationwide $2,550
Progressive $3,980
State Farm $4,207
Travelers $3,727
USAA $1,975

Other Factors Affecting Fort Payne, AL Car Insurance Rates

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

Fort Payne, AL Commute Time

How does your Fort Payne, AL commute time compare with the average driver? In Fort Payne, the average commute is 18.9 minutes.

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Fort Payne, AL Car Insurance Quotes

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