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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Gulf Shores, AL are $298/month
  • The annual number of car thefts in Gulf Shores is 25.
  • The cheapest car insurance company in Gulf Shores for teen drivers is USAA

Average car insurance rates in Gulf Shores, Alabama are $298 a month. But with a little research you can get a great deal from the top car insurance companies in Gulf Shores, AL. Before you buy Gulf Shores, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Gulf Shores 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 Gulf Shores, AL car insurance quotes available.

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

Gulf Shores, AL Minimum Car Insurance Coverage

Gulf Shores, 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 Gulf Shores, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Gulf Shores, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gulf Shores, Alabama

Insurance Company Low Medium High
Allstate $3,019 $3,116 $3,224
Farmers $3,811 $3,994 $4,342
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,804 $4,247 $4,760
State Farm $4,002 $4,252 $4,517
Travelers $3,995 $4,289 $4,332
USAA $1,869 $1,934 $2,035

Gulf Shores, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gulf Shores, 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 $1,867 $1,777 $1,693 $1,725 $6,589 $7,101 $2,082 $2,124
Farmers $2,306 $2,288 $2,059 $2,192 $8,989 $9,246 $2,611 $2,703
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,026 $3,268 $2,482 $2,777 $11,136 $12,384 $3,218 $3,422
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,348 $2,206 $1,930 $2,056 $9,447 $10,540 $2,741 $2,896
State Farm $2,578 $2,578 $2,348 $2,348 $7,962 $9,967 $2,916 $3,358
Travelers $1,676 $1,702 $1,576 $1,570 $9,202 $14,523 $1,583 $1,810
USAA $1,214 $1,231 $1,138 $1,117 $3,602 $3,990 $1,576 $1,701

Gulf Shores, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Gulf Shores, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,589 $7,101
Farmers $8,989 $9,246
GEICO $4,934 $4,812
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $7,962 $9,967
Travelers $9,202 $14,523
USAA $3,602 $3,990

Gulf Shores, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Gulf Shores, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,693 $1,725
Farmers $2,059 $2,192
GEICO $1,795 $1,862
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,930 $2,056
State Farm $2,348 $2,348
Travelers $1,576 $1,570
USAA $1,138 $1,117

Gulf Shores, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Gulf Shores, Alabama

Insurance Company Poor Fair Good
Allstate $3,850 $3,031 $2,479
Farmers $4,535 $3,908 $3,704
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,829 $4,130 $3,852
State Farm $6,900 $3,495 $2,376
Travelers $4,583 $3,978 $4,055
USAA $2,604 $1,707 $1,527

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Gulf Shores, AL Car Insurance Rates by Driver History

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

Annual Gulf Shores, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,647 $3,123 $3,713 $2,996
Farmers $3,408 $4,412 $4,304 $4,073
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,852 $4,833 $4,164 $4,232
State Farm $3,831 $4,777 $4,210 $4,210
Travelers $3,498 $3,671 $5,390 $4,262
USAA $1,500 $1,882 $2,782 $1,622

Gulf Shores, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Gulf Shores, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,713
Farmers $4,304
GEICO $3,520
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,164
State Farm $4,210
Travelers $5,390
USAA $2,782

Gulf Shores, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Gulf Shores, Alabama

ZIP Code Average Annual Rates
36542 $3,711
36561 $3,688

Gulf Shores, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Gulf Shores, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,120 $3,120
Farmers $4,049 $4,049
GEICO $2,571 $2,665
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,270 $4,270
State Farm $4,152 $4,362
Travelers $4,205 $4,205
USAA $1,857 $2,035

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Gulf Shores, AL Cheapest Car Insurance Rates

How do the top Gulf Shores, Alabama car insurance companies’ average rates stack up against the Gulf Shores average monthly car insurance rates of $298? Take a look and see.

Best Annual Car Insurance Rates by Company in Gulf Shores, Alabama

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

Gulf Shores, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Gulf Shores, Alabama

Insurance Company Average Annual Rates
Allstate $3,120
Farmers $4,049
GEICO $2,618
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,270
State Farm $4,257
Travelers $4,205
USAA $1,946

Other Factors Affecting Gulf Shores, AL Car Insurance Rates

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

Gulf Shores, AL Car Theft Rates

The car theft rate in Gulf Shores, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Gulf Shores, Alabama is 25 stolen cars.

Gulf Shores, AL Commute Time

How does your Gulf Shores, AL commute time compare with the average driver? In Gulf Shores, the average commute is 23.9 minutes.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Gulf Shores, AL Car Insurance Quotes

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