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

  • The cheapest car insurance company in Gardendale for teen drivers is USAA
  • Average car insurance rates in Gardendale, AL are $337/month
  • The cheapest car insurance company in Gardendale after a DUI is USAA

Average car insurance rates in Gardendale, Alabama are $337 a month. But with a little research you can get a great deal from the top car insurance companies in Gardendale, AL. Before you buy Gardendale, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Gardendale, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Gardendale, Alabama

Insurance Company Low Medium High
Allstate $3,352 $3,476 $3,618
Farmers $4,408 $4,621 $5,027
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,363 $5,585 $5,884
Nationwide $2,858 $2,838 $2,897
Progressive $4,543 $5,034 $5,621
State Farm $5,402 $5,725 $6,064
Travelers $3,349 $3,603 $3,648
USAA $2,049 $2,112 $2,208

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gardendale, 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 $2,062 $1,956 $1,875 $1,910 $7,442 $7,997 $2,286 $2,329
Farmers $2,647 $2,623 $2,362 $2,517 $10,461 $10,755 $3,006 $3,111
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,226 $3,482 $2,637 $2,948 $12,074 $13,422 $3,436 $3,659
Nationwide $1,850 $1,872 $1,686 $1,743 $4,989 $6,415 $2,059 $2,302
Progressive $2,731 $2,548 $2,238 $2,406 $11,379 $12,662 $3,189 $3,374
State Farm $3,429 $3,429 $3,130 $3,130 $10,821 $13,512 $3,885 $4,504
Travelers $1,404 $1,423 $1,327 $1,322 $7,744 $12,217 $1,331 $1,501
USAA $1,318 $1,336 $1,230 $1,202 $3,951 $4,378 $1,717 $1,850

Gardendale, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Gardendale, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,442 $7,997
Farmers $10,461 $10,755
GEICO $6,182 $6,096
Liberty Mutual $12,074 $13,422
Nationwide $4,989 $6,415
Progressive $11,379 $12,662
State Farm $10,821 $13,512
Travelers $7,744 $12,217
USAA $3,951 $4,378

Gardendale, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Gardendale, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,875 $1,910
Farmers $2,362 $2,517
GEICO $2,178 $2,261
Liberty Mutual $2,637 $2,948
Nationwide $1,686 $1,743
Progressive $2,238 $2,406
State Farm $3,130 $3,130
Travelers $1,327 $1,322
USAA $1,230 $1,202

Gardendale, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Gardendale, Alabama

Insurance Company Poor Fair Good
Allstate $4,288 $3,387 $2,772
Farmers $5,246 $4,524 $4,286
GEICO $4,135 $2,945 $2,664
Liberty Mutual $8,028 $4,935 $3,869
Nationwide $3,458 $2,696 $2,438
Progressive $5,706 $4,905 $4,586
State Farm $9,300 $4,701 $3,190
Travelers $3,847 $3,344 $3,409
USAA $2,854 $1,857 $1,657

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Gardendale, AL Car Insurance Rates by Driver History

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

Annual Gardendale, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,940 $3,482 $4,167 $3,341
Farmers $3,937 $5,108 $4,982 $4,714
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,394 $6,136 $5,985 $5,927
Nationwide $2,505 $2,505 $3,650 $2,797
Progressive $4,574 $5,767 $4,906 $5,016
State Farm $5,142 $6,449 $5,665 $5,665
Travelers $2,943 $3,086 $4,532 $3,574
USAA $1,632 $2,051 $3,043 $1,765

Gardendale, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Gardendale, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,167
Farmers $4,982
GEICO $4,396
Liberty Mutual $5,985
Nationwide $3,650
Progressive $4,906
State Farm $5,665
Travelers $4,532
USAA $3,043

Gardendale, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Gardendale, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,482 $3,482
Farmers $4,685 $4,685
GEICO $3,191 $3,305
Liberty Mutual $5,611 $5,611
Nationwide $2,864 $2,864
Progressive $5,066 $5,066
State Farm $5,591 $5,870
Travelers $3,534 $3,534
USAA $2,026 $2,220

Gardendale, AL Cheapest Car Insurance Rates

How do the top Gardendale, Alabama car insurance companies’ average rates stack up against the Gardendale average monthly car insurance rates of $337? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Gardendale, Alabama

Insurance Company Average Annual Rates
Allstate $3,482
Farmers $4,685
GEICO $3,248
Liberty Mutual $5,611
Nationwide $2,864
Progressive $5,066
State Farm $5,730
Travelers $3,534
USAA $2,123

Other Factors Affecting Gardendale, AL Car Insurance Rates

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

Gardendale, AL Car Theft Rates

The car theft rate in Gardendale, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Gardendale, Alabama is 22 stolen cars.

Gardendale, AL Commute Time

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

Gardendale, AL Car Insurance Quotes

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