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 cheapest car insurance company in Gadsden after a DUI is USAA
  • The annual number of car thefts in Gadsden is 255.
  • Average car insurance rates in Gadsden, AL for senior drivers are $1,961/year

Average car insurance rates in Gadsden, Alabama are $310 a month. But with a little research you can get a great deal from the top car insurance companies in Gadsden, AL. Before you buy Gadsden, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Gadsden, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Gadsden, Alabama

Insurance Company Low Medium High
Allstate $3,142 $3,257 $3,388
Farmers $4,212 $4,421 $4,820
GEICO $2,560 $2,773 $3,023
Liberty Mutual $4,908 $5,132 $5,435
Nationwide $2,660 $2,661 $2,725
Progressive $3,704 $4,142 $4,648
State Farm $5,042 $5,358 $5,690
Travelers $3,343 $3,601 $3,648
USAA $1,974 $2,039 $2,138

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gadsden, 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 $1,965 $1,871 $1,781 $1,814 $6,869 $7,369 $2,193 $2,239
Farmers $2,540 $2,520 $2,268 $2,416 $9,993 $10,277 $2,880 $2,980
GEICO $1,988 $1,979 $1,898 $1,965 $5,256 $5,153 $2,098 $1,945
Liberty Mutual $2,996 $3,237 $2,461 $2,752 $11,008 $12,239 $3,185 $3,387
Nationwide $1,744 $1,764 $1,592 $1,645 $4,645 $5,967 $1,938 $2,163
Progressive $2,236 $2,087 $1,834 $1,964 $9,366 $10,444 $2,610 $2,775
State Farm $3,227 $3,227 $2,943 $2,943 $10,083 $12,614 $3,653 $4,214
Travelers $1,420 $1,440 $1,338 $1,333 $7,705 $12,139 $1,344 $1,527
USAA $1,274 $1,291 $1,191 $1,165 $3,814 $4,226 $1,658 $1,786

Gadsden, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Gadsden, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,869 $7,369
Farmers $9,993 $10,277
GEICO $5,256 $5,153
Liberty Mutual $11,008 $12,239
Nationwide $4,645 $5,967
Progressive $9,366 $10,444
State Farm $10,083 $12,614
Travelers $7,705 $12,139
USAA $3,814 $4,226

Gadsden, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Gadsden, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,781 $1,814
Farmers $2,268 $2,416
GEICO $1,898 $1,965
Liberty Mutual $2,461 $2,752
Nationwide $1,592 $1,645
Progressive $1,834 $1,964
State Farm $2,943 $2,943
Travelers $1,338 $1,333
USAA $1,191 $1,165

Gadsden, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Gadsden, Alabama

Insurance Company Poor Fair Good
Allstate $4,028 $3,167 $2,592
Farmers $5,025 $4,328 $4,100
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,384 $4,533 $3,558
Nationwide $3,234 $2,526 $2,287
Progressive $4,687 $4,034 $3,773
State Farm $8,699 $4,401 $2,989
Travelers $3,848 $3,340 $3,404
USAA $2,751 $1,796 $1,605

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Gadsden, AL Car Insurance Rates by Driver History

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

Annual Gadsden, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,770 $3,267 $3,880 $3,133
Farmers $3,771 $4,887 $4,768 $4,510
GEICO $1,875 $3,024 $3,746 $2,497
Liberty Mutual $4,044 $5,635 $5,504 $5,450
Nationwide $2,349 $2,349 $3,411 $2,620
Progressive $3,753 $4,737 $4,051 $4,117
State Farm $4,819 $6,028 $5,303 $5,303
Travelers $2,940 $3,084 $4,520 $3,578
USAA $1,578 $1,983 $2,936 $1,706

Gadsden, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Gadsden, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,880
Farmers $4,768
GEICO $3,746
Liberty Mutual $5,504
Nationwide $3,411
Progressive $4,051
State Farm $5,303
Travelers $4,520
USAA $2,936

Gadsden, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Gadsden, Alabama

ZIP Code Average Annual Rates
35903 $3,775
35904 $3,846

Gadsden, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Gadsden, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,262 $3,262
Farmers $4,484 $4,484
GEICO $2,736 $2,835
Liberty Mutual $5,158 $5,158
Nationwide $2,682 $2,682
Progressive $4,164 $4,164
State Farm $5,231 $5,496
Travelers $3,531 $3,531
USAA $1,957 $2,144

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Gadsden, AL Cheapest Car Insurance Rates

How do the top Gadsden, Alabama car insurance companies’ average rates stack up against the Gadsden average monthly car insurance rates of $310? Take a look and see.

Best Annual Car Insurance Rates by Company in Gadsden, Alabama

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

Gadsden, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Gadsden, Alabama

Insurance Company Average Annual Rates
Allstate $3,262
Farmers $4,484
GEICO $2,786
Liberty Mutual $5,158
Nationwide $2,682
Progressive $4,164
State Farm $5,363
Travelers $3,531
USAA $2,051

Other Factors Affecting Gadsden, AL Car Insurance Rates

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

Gadsden, AL Car Theft Rates

The car theft rate in Gadsden, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Gadsden, Alabama is 255 stolen cars.

Gadsden, AL Commute Time

How does your Gadsden, AL commute time compare with the average driver? In Gadsden, the average commute is 20.2 minutes.

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Gadsden, AL Car Insurance Quotes

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