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 Hamilton, AL for senior drivers are $1,858/year
  • The annual number of car thefts in Hamilton is 18.
  • Average car insurance rates in Hamilton, AL are $288/month

Average car insurance rates in Hamilton, Alabama are $288 a month. But with a little research you can get a great deal from the top car insurance companies in Hamilton, AL. Before you buy Hamilton, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Hamilton, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Hamilton, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,948 $4,106 $4,407
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,740 $4,943 $5,216
Nationwide $2,497 $2,467 $2,519
Progressive $3,663 $4,033 $4,483
State Farm $4,131 $4,321 $4,531
Travelers $3,113 $3,333 $3,357
USAA $1,967 $2,027 $2,117

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hamilton, 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 $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,403 $2,387 $2,151 $2,275 $9,066 $9,334 $2,742 $2,871
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,949 $3,190 $2,423 $2,712 $10,388 $11,559 $3,148 $3,362
Nationwide $1,658 $1,685 $1,507 $1,567 $4,197 $5,450 $1,834 $2,056
Progressive $2,290 $2,168 $1,871 $1,996 $8,810 $9,841 $2,676 $2,824
State Farm $2,760 $2,760 $2,454 $2,454 $7,761 $9,767 $3,104 $3,560
Travelers $1,364 $1,387 $1,273 $1,271 $7,037 $11,016 $1,296 $1,499
USAA $1,274 $1,295 $1,187 $1,164 $3,761 $4,171 $1,657 $1,790

Hamilton, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Hamilton, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $9,066 $9,334
GEICO $4,918 $4,831
Liberty Mutual $10,388 $11,559
Nationwide $4,197 $5,450
Progressive $8,810 $9,841
State Farm $7,761 $9,767
Travelers $7,037 $11,016
USAA $3,761 $4,171

Hamilton, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Hamilton, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,151 $2,275
GEICO $1,804 $1,850
Liberty Mutual $2,423 $2,712
Nationwide $1,507 $1,567
Progressive $1,871 $1,996
State Farm $2,454 $2,454
Travelers $1,273 $1,271
USAA $1,187 $1,164

Hamilton, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Hamilton, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,662 $4,004 $3,795
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,122 $4,354 $3,423
Nationwide $3,015 $2,347 $2,121
Progressive $4,621 $3,918 $3,640
State Farm $7,015 $3,553 $2,415
Travelers $3,568 $3,089 $3,146
USAA $2,744 $1,780 $1,588

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Hamilton, AL Car Insurance Rates by Driver History

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

Annual Hamilton, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,494 $4,513 $4,402 $4,205
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,901 $5,410 $5,310 $5,244
Nationwide $2,180 $2,180 $3,181 $2,436
Progressive $3,684 $4,580 $3,924 $4,051
State Farm $3,947 $4,793 $4,285 $4,285
Travelers $2,726 $2,862 $4,162 $3,321
USAA $1,568 $1,965 $2,921 $1,696

Hamilton, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Hamilton, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,700
Farmers $4,402
GEICO $3,504
Liberty Mutual $5,310
Nationwide $3,181
Progressive $3,924
State Farm $4,285
Travelers $4,162
USAA $2,921

Hamilton, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Hamilton, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,154 $4,154
GEICO $2,587 $2,686
Liberty Mutual $4,966 $4,966
Nationwide $2,494 $2,494
Progressive $4,060 $4,060
State Farm $4,226 $4,429
Travelers $3,268 $3,268
USAA $1,944 $2,130

Hamilton, AL Cheapest Car Insurance Rates

How do the top Hamilton, Alabama car insurance companies’ average rates stack up against the Hamilton average monthly car insurance rates of $288? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Hamilton, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,154
GEICO $2,637
Liberty Mutual $4,966
Nationwide $2,494
Progressive $4,060
State Farm $4,327
Travelers $3,268
USAA $2,037

Other Factors Affecting Hamilton, AL Car Insurance Rates

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

Hamilton, AL Car Theft Rates

The car theft rate in Hamilton, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Hamilton, Alabama is 18 stolen cars.

Hamilton, AL Commute Time

How does your Hamilton, AL commute time compare with the average driver? In Hamilton, the average commute is 23.8 minutes.

Hamilton, AL Traffic

Spending time in Hamilton traffic can lead to higher car insurance rates. According to INRIX data, Hamilton, AL ranks as the 263rd-most congested with traffic in the world.

Hamilton, AL Car Insurance Quotes

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