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 Garden City, AL are $312/month
  • The cheapest car insurance company in Garden City for teen drivers is USAA
  • The cheapest car insurance company in Garden City after a DUI is USAA

Average car insurance rates in Garden City, Alabama are $312 a month. But with a little research you can get a great deal from the top car insurance companies in Garden City, AL. Before you buy Garden City, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Garden City, AL Minimum Car Insurance Coverage

Garden City, 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 Garden City, 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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Garden City, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Garden City, Alabama

Insurance Company Low Medium High
Allstate $3,215 $3,312 $3,425
Farmers $4,110 $4,281 $4,606
GEICO $2,872 $3,089 $3,345
Liberty Mutual $5,184 $5,391 $5,669
Nationwide $2,600 $2,597 $2,660
Progressive $3,955 $4,385 $4,891
State Farm $4,714 $4,961 $5,230
Travelers $3,235 $3,487 $3,534
USAA $2,067 $2,130 $2,227

Garden City, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garden City, 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 $2,005 $1,912 $1,811 $1,846 $6,943 $7,466 $2,251 $2,306
Farmers $2,476 $2,455 $2,213 $2,347 $9,554 $9,828 $2,830 $2,955
GEICO $2,214 $2,202 $2,095 $2,161 $5,858 $5,765 $2,339 $2,181
Liberty Mutual $3,153 $3,405 $2,581 $2,883 $11,526 $12,810 $3,366 $3,594
Nationwide $1,711 $1,732 $1,561 $1,615 $4,509 $5,801 $1,899 $2,121
Progressive $2,395 $2,243 $1,962 $2,101 $9,839 $10,972 $2,799 $2,972
State Farm $3,033 $3,033 $2,745 $2,745 $9,244 $11,544 $3,428 $3,977
Travelers $1,384 $1,406 $1,299 $1,297 $7,426 $11,727 $1,313 $1,499
USAA $1,327 $1,347 $1,238 $1,211 $3,987 $4,421 $1,733 $1,868

Garden City, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Garden City, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,943 $7,466
Farmers $9,554 $9,828
GEICO $5,858 $5,765
Liberty Mutual $11,526 $12,810
Nationwide $4,509 $5,801
Progressive $9,839 $10,972
State Farm $9,244 $11,544
Travelers $7,426 $11,727
USAA $3,987 $4,421

Garden City, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Garden City, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,811 $1,846
Farmers $2,213 $2,347
GEICO $2,095 $2,161
Liberty Mutual $2,581 $2,883
Nationwide $1,561 $1,615
Progressive $1,962 $2,101
State Farm $2,745 $2,745
Travelers $1,299 $1,297
USAA $1,238 $1,211

Garden City, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Garden City, Alabama

Insurance Company Poor Fair Good
Allstate $4,098 $3,220 $2,634
Farmers $4,857 $4,180 $3,960
GEICO $3,948 $2,813 $2,544
Liberty Mutual $7,763 $4,753 $3,728
Nationwide $3,158 $2,466 $2,232
Progressive $4,977 $4,268 $3,986
State Farm $8,054 $4,079 $2,773
Travelers $3,727 $3,234 $3,296
USAA $2,880 $1,873 $1,671

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Garden City, AL Car Insurance Rates by Driver History

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

Annual Garden City, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,821 $3,321 $3,940 $3,187
Farmers $3,639 $4,713 $4,596 $4,381
GEICO $2,089 $3,369 $4,162 $2,788
Liberty Mutual $4,241 $5,916 $5,781 $5,721
Nationwide $2,293 $2,293 $3,331 $2,558
Progressive $3,985 $5,010 $4,274 $4,372
State Farm $4,480 $5,566 $4,914 $4,914
Travelers $2,851 $2,991 $4,368 $3,465
USAA $1,646 $2,068 $3,071 $1,780

Garden City, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Garden City, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,940
Farmers $4,596
GEICO $4,162
Liberty Mutual $5,781
Nationwide $3,331
Progressive $4,274
State Farm $4,914
Travelers $4,368
USAA $3,071

Garden City, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Garden City, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,317 $3,317
Farmers $4,332 $4,332
GEICO $3,046 $3,158
Liberty Mutual $5,415 $5,415
Nationwide $2,619 $2,619
Progressive $4,410 $4,410
State Farm $4,851 $5,086
Travelers $3,419 $3,419
USAA $2,044 $2,239

Garden City, AL Cheapest Car Insurance Rates

How do the top Garden City, Alabama car insurance companies’ average rates stack up against the Garden City average monthly car insurance rates of $312? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Garden City, Alabama

Insurance Company Average Annual Rates
Allstate $3,317
Farmers $4,332
GEICO $3,102
Liberty Mutual $5,415
Nationwide $2,619
Progressive $4,410
State Farm $4,969
Travelers $3,419
USAA $2,141

Other Factors Affecting Garden City, AL Car Insurance Rates

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

Garden City, AL Commute Time

How does your Garden City, AL commute time compare with the average driver? In Garden City, the average commute is 26.5 minutes.

Garden City, AL Car Insurance Quotes

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