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

  • Average car insurance rates in Grand Bay, AL for senior drivers are $2,166/year
  • The cheapest car insurance company in Grand Bay after a DUI is USAA
  • Average car insurance rates in Grand Bay, AL are $344/month

Average car insurance rates in Grand Bay, Alabama are $344 a month. But with a little research you can get a great deal from the top car insurance companies in Grand Bay, AL. Before you buy Grand Bay, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Grand Bay, AL Minimum Car Insurance Coverage

Grand Bay, 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 Grand Bay, 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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Grand Bay, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Grand Bay, Alabama

Insurance Company Low Medium High
Allstate $3,463 $3,603 $3,763
Farmers $4,629 $4,851 $5,279
GEICO $2,812 $3,049 $3,326
Liberty Mutual $5,398 $5,660 $6,012
Nationwide $2,872 $2,870 $2,937
Progressive $4,899 $5,502 $6,228
State Farm $4,791 $5,063 $5,349
Travelers $3,888 $4,190 $4,246
USAA $2,180 $2,258 $2,376

Grand Bay, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Grand Bay, 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 $2,151 $2,043 $1,956 $1,993 $7,673 $8,241 $2,387 $2,432
Farmers $2,817 $2,801 $2,519 $2,677 $10,860 $11,179 $3,191 $3,312
GEICO $2,173 $2,165 $2,074 $2,157 $5,812 $5,692 $2,299 $2,128
Liberty Mutual $3,286 $3,552 $2,696 $3,022 $12,199 $13,573 $3,488 $3,702
Nationwide $1,874 $1,896 $1,705 $1,765 $5,017 $6,468 $2,085 $2,334
Progressive $3,043 $2,842 $2,493 $2,686 $12,332 $13,716 $3,533 $3,697
State Farm $3,076 $3,076 $2,790 $2,790 $9,464 $11,842 $3,480 $4,022
Travelers $1,619 $1,643 $1,527 $1,521 $9,017 $14,274 $1,529 $1,735
USAA $1,404 $1,422 $1,318 $1,292 $4,236 $4,692 $1,830 $1,976

Grand Bay, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Grand Bay, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,673 $8,241
Farmers $10,860 $11,179
GEICO $5,812 $5,692
Liberty Mutual $12,199 $13,573
Nationwide $5,017 $6,468
Progressive $12,332 $13,716
State Farm $9,464 $11,842
Travelers $9,017 $14,274
USAA $4,236 $4,692

Grand Bay, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Grand Bay, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,956 $1,993
Farmers $2,519 $2,677
GEICO $2,074 $2,157
Liberty Mutual $2,696 $3,022
Nationwide $1,705 $1,765
Progressive $2,493 $2,686
State Farm $2,790 $2,790
Travelers $1,527 $1,521
USAA $1,318 $1,292

Grand Bay, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Grand Bay, Alabama

Insurance Company Poor Fair Good
Allstate $4,450 $3,509 $2,870
Farmers $5,519 $4,743 $4,496
GEICO $3,897 $2,778 $2,512
Liberty Mutual $8,141 $5,003 $3,925
Nationwide $3,490 $2,724 $2,465
Progressive $6,259 $5,364 $5,005
State Farm $8,226 $4,157 $2,820
Travelers $4,474 $3,886 $3,964
USAA $3,037 $1,993 $1,784

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Grand Bay, AL Car Insurance Rates by Driver History

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

Annual Grand Bay, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,054 $3,613 $4,307 $3,464
Farmers $4,143 $5,356 $5,225 $4,954
GEICO $2,054 $3,326 $4,135 $2,734
Liberty Mutual $4,461 $6,216 $6,071 $6,010
Nationwide $2,527 $2,527 $3,692 $2,825
Progressive $4,999 $6,287 $5,393 $5,492
State Farm $4,564 $5,683 $5,011 $5,011
Travelers $3,418 $3,585 $5,271 $4,159
USAA $1,747 $2,196 $3,254 $1,889

Grand Bay, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Grand Bay, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,307
Farmers $5,225
GEICO $4,135
Liberty Mutual $6,071
Nationwide $3,692
Progressive $5,393
State Farm $5,011
Travelers $5,271
USAA $3,254

Grand Bay, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Grand Bay, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,610 $3,610
Farmers $4,920 $4,920
GEICO $3,008 $3,117
Liberty Mutual $5,690 $5,690
Nationwide $2,893 $2,893
Progressive $5,543 $5,543
State Farm $4,944 $5,190
Travelers $4,108 $4,108
USAA $2,167 $2,376

Grand Bay, AL Cheapest Car Insurance Rates

How do the top Grand Bay, Alabama car insurance companies’ average rates stack up against the Grand Bay average monthly car insurance rates of $344? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Grand Bay, Alabama

Insurance Company Average Annual Rates
Allstate $3,610
Farmers $4,920
GEICO $3,062
Liberty Mutual $5,690
Nationwide $2,893
Progressive $5,543
State Farm $5,067
Travelers $4,108
USAA $2,271

Other Factors Affecting Grand Bay, AL Car Insurance Rates

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

Grand Bay, AL Commute Time

How does your Grand Bay, AL commute time compare with the average driver? In Grand Bay, the average commute is 28.0 minutes.

Grand Bay, AL Car Insurance Quotes

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