Affordable Car Insurance Rates in Guin, AL (2021)
Car insurance rates in Guin, AL are $285/month on average. By law, Alabama drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Guin car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- The cheapest car insurance company in Guin after a DUI is USAA
- The annual number of car thefts in Guin is 7.
- Average car insurance rates in Guin, AL for senior drivers are $1,836/year
Average car insurance rates in Guin, Alabama are $285 a month. But with a little research you can get a great deal from the top car insurance companies in Guin, AL. Before you buy Guin, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.
It may even be helpful to compare Guin car insurance rates with Hoover car insurance rates, Birmingham car insurance rates, or Tuscaloosa car insurance rates to make sure you’re getting the best Guin, AL car insurance quotes available.
Need affordable Guin, AL car insurance? Enter your ZIP code to compare Guin car insurance quotes from multiple car insurance companies near you.
Table of Contents
Guin, AL Minimum Car Insurance Coverage
Guin, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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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Guin, AL Car Insurance Rates by Coverage Level
Some Guin drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Guin, Alabama car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,032 | $3,127 | $3,238 |
| Farmers | $3,763 | $3,899 | $4,152 |
| GEICO | $2,437 | $2,625 | $2,848 |
| Liberty Mutual | $4,689 | $4,879 | $5,134 |
| Nationwide | $2,497 | $2,467 | $2,519 |
| Progressive | $3,733 | $4,067 | $4,458 |
| State Farm | $3,978 | $4,163 | $4,369 |
| Travelers | $3,224 | $3,444 | $3,462 |
| USAA | $1,967 | $2,027 | $2,117 |
Guin, AL Car Insurance Rates by Age, Gender, and Marital Status
Guin, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Guin, AL car insurance, get quotes from multiple car insurance companies in the Guin area and see how these criteria affect your rates.
| 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 | $1,916 | $1,833 | $1,727 | $1,761 | $6,483 | $6,962 | $2,161 | $2,216 |
| Farmers | $2,302 | $2,286 | $2,062 | $2,174 | $8,518 | $8,774 | $2,628 | $2,760 |
| GEICO | $1,909 | $1,891 | $1,804 | $1,850 | $4,918 | $4,831 | $2,014 | $1,877 |
| Liberty Mutual | $2,916 | $3,154 | $2,397 | $2,681 | $10,233 | $11,382 | $3,115 | $3,327 |
| Nationwide | $1,658 | $1,685 | $1,507 | $1,567 | $4,197 | $5,450 | $1,834 | $2,056 |
| Progressive | $2,263 | $2,147 | $1,852 | $1,961 | $8,929 | $10,010 | $2,666 | $2,861 |
| State Farm | $2,654 | $2,654 | $2,363 | $2,363 | $7,492 | $9,424 | $2,986 | $3,427 |
| Travelers | $1,405 | $1,428 | $1,312 | $1,309 | $7,286 | $11,395 | $1,335 | $1,544 |
| USAA | $1,274 | $1,295 | $1,187 | $1,164 | $3,761 | $4,171 | $1,657 | $1,790 |
Guin, AL Car Insurance Rates for Teens
How much is Guin, Alabama car insurance for teens? Compare rates from top Guin car insurance companies below to help find the cheapest teen car insurance in Guin, AL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,483 | $6,962 |
| Farmers | $8,518 | $8,774 |
| GEICO | $4,918 | $4,831 |
| Liberty Mutual | $10,233 | $11,382 |
| Nationwide | $4,197 | $5,450 |
| Progressive | $8,929 | $10,010 |
| State Farm | $7,492 | $9,424 |
| Travelers | $7,286 | $11,395 |
| USAA | $3,761 | $4,171 |
Guin, AL Car Insurance Rates for Seniors
Before seniors buy Guin, Alabama car insurance, they should make sure to shop around. Some Guin, AL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,727 | $1,761 |
| Farmers | $2,062 | $2,174 |
| GEICO | $1,804 | $1,850 |
| Liberty Mutual | $2,397 | $2,681 |
| Nationwide | $1,507 | $1,567 |
| Progressive | $1,852 | $1,961 |
| State Farm | $2,363 | $2,363 |
| Travelers | $1,312 | $1,309 |
| USAA | $1,187 | $1,164 |
Guin, AL Car Insurance Rates by Credit History
How does your credit history affect Guin, AL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,877 | $3,037 | $2,484 |
| Farmers | $4,419 | $3,796 | $3,599 |
| GEICO | $3,352 | $2,393 | $2,165 |
| Liberty Mutual | $7,027 | $4,296 | $3,379 |
| Nationwide | $3,015 | $2,347 | $2,121 |
| Progressive | $4,640 | $3,946 | $3,673 |
| State Farm | $6,758 | $3,424 | $2,329 |
| Travelers | $3,686 | $3,193 | $3,251 |
| USAA | $2,744 | $1,780 | $1,588 |
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Guin, AL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Guin, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Guin.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,677 | $3,142 | $3,700 | $3,011 |
| Farmers | $3,316 | $4,275 | $4,168 | $3,994 |
| GEICO | $1,792 | $2,855 | $3,504 | $2,395 |
| Liberty Mutual | $3,849 | $5,339 | $5,240 | $5,174 |
| Nationwide | $2,180 | $2,180 | $3,181 | $2,436 |
| Progressive | $3,709 | $4,622 | $3,940 | $4,073 |
| State Farm | $3,801 | $4,622 | $4,129 | $4,129 |
| Travelers | $2,815 | $2,956 | $4,305 | $3,430 |
| USAA | $1,568 | $1,965 | $2,921 | $1,696 |
Guin, AL Car Insurance Rates With a DUI
Even a single DUI can increase your Guin, AL car insurance rates. Compare rates below to see which Guin car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,700 |
| Farmers | $4,168 |
| GEICO | $3,504 |
| Liberty Mutual | $5,240 |
| Nationwide | $3,181 |
| Progressive | $3,940 |
| State Farm | $4,129 |
| Travelers | $4,305 |
| USAA | $2,921 |
Guin, AL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Guin, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Guin companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,133 | $3,133 |
| Farmers | $3,938 | $3,938 |
| GEICO | $2,587 | $2,686 |
| Liberty Mutual | $4,901 | $4,901 |
| Nationwide | $2,494 | $2,494 |
| Progressive | $4,086 | $4,086 |
| State Farm | $4,072 | $4,268 |
| Travelers | $3,377 | $3,377 |
| USAA | $1,944 | $2,130 |
Guin, AL Cheapest Car Insurance Rates
How do the top Guin, Alabama car insurance companies’ average rates stack up against the Guin average monthly car insurance rates of $285? Take a look and see.
| 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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Guin, AL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Guin, Alabama car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,133 |
| Farmers | $3,938 |
| GEICO | $2,637 |
| Liberty Mutual | $4,901 |
| Nationwide | $2,494 |
| Progressive | $4,086 |
| State Farm | $4,170 |
| Travelers | $3,377 |
| USAA | $2,037 |
Other Factors Affecting Guin, AL Car Insurance Rates
Before you buy Guin, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Guin, AL Car Theft Rates
The car theft rate in Guin, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Guin, Alabama is 7 stolen cars.
Guin, AL Commute Time
How does your Guin, AL commute time compare with the average driver? In Guin, the average commute is 24.3 minutes.
Guin, AL Traffic
Spending time in Guin traffic can lead to higher car insurance rates. According to INRIX data, Guin, AL ranks as the 777th-most congested with traffic in the world.
Guin, AL Car Insurance Quotes
Compare Guin, AL car insurance quotes from multiple companies by entering your ZIP code now.