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

  • The annual number of car thefts in Hartselle is 27.
  • The cheapest car insurance company in Hartselle after a DUI is USAA
  • Average car insurance rates in Hartselle, AL are $290/month

Average car insurance rates in Hartselle, Alabama are $290 a month. But with a little research you can get a great deal from the top car insurance companies in Hartselle, AL. Before you buy Hartselle, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Hartselle, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Hartselle, Alabama

Insurance Company Low Medium High
Allstate $2,985 $3,080 $3,191
Farmers $3,703 $3,873 $4,197
GEICO $2,419 $2,624 $2,868
Liberty Mutual $4,954 $5,172 $5,465
Nationwide $2,518 $2,516 $2,576
Progressive $3,661 $4,075 $4,561
State Farm $4,230 $4,477 $4,741
Travelers $3,235 $3,490 $3,541
USAA $1,912 $1,975 $2,070

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hartselle, 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 $1,878 $1,793 $1,696 $1,728 $6,423 $6,897 $2,109 $2,160
Farmers $2,230 $2,211 $1,992 $2,118 $8,712 $8,959 $2,538 $2,635
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $2,997 $3,235 $2,455 $2,745 $11,161 $12,409 $3,186 $3,388
Nationwide $1,659 $1,678 $1,516 $1,566 $4,373 $5,611 $1,840 $2,051
Progressive $2,212 $2,064 $1,816 $1,946 $9,202 $10,242 $2,581 $2,730
State Farm $2,704 $2,704 $2,461 $2,461 $8,415 $10,512 $3,060 $3,543
Travelers $1,371 $1,390 $1,296 $1,290 $7,477 $11,783 $1,298 $1,467
USAA $1,235 $1,250 $1,154 $1,127 $3,695 $4,091 $1,605 $1,727

Hartselle, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Hartselle, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,423 $6,897
Farmers $8,712 $8,959
GEICO $4,963 $4,863
Liberty Mutual $11,161 $12,409
Nationwide $4,373 $5,611
Progressive $9,202 $10,242
State Farm $8,415 $10,512
Travelers $7,477 $11,783
USAA $3,695 $4,091

Hartselle, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Hartselle, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,696 $1,728
Farmers $1,992 $2,118
GEICO $1,810 $1,872
Liberty Mutual $2,455 $2,745
Nationwide $1,516 $1,566
Progressive $1,816 $1,946
State Farm $2,461 $2,461
Travelers $1,296 $1,290
USAA $1,154 $1,127

Hartselle, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Hartselle, Alabama

Insurance Company Poor Fair Good
Allstate $3,816 $2,992 $2,448
Farmers $4,397 $3,788 $3,589
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,432 $4,572 $3,587
Nationwide $3,058 $2,389 $2,162
Progressive $4,617 $3,970 $3,711
State Farm $7,269 $3,679 $2,500
Travelers $3,728 $3,237 $3,300
USAA $2,664 $1,739 $1,554

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Hartselle, AL Car Insurance Rates by Driver History

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

Annual Hartselle, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,631 $3,092 $3,654 $2,965
Farmers $3,298 $4,274 $4,169 $3,956
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $4,074 $5,682 $5,543 $5,490
Nationwide $2,225 $2,225 $3,219 $2,478
Progressive $3,697 $4,660 $3,986 $4,054
State Farm $4,030 $5,036 $4,432 $4,432
Travelers $2,849 $2,989 $4,383 $3,466
USAA $1,528 $1,921 $2,841 $1,653

Hartselle, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Hartselle, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,654
Farmers $4,169
GEICO $3,548
Liberty Mutual $5,543
Nationwide $3,219
Progressive $3,986
State Farm $4,432
Travelers $4,383
USAA $2,841

Hartselle, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Hartselle, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,086 $3,086
Farmers $3,924 $3,924
GEICO $2,591 $2,683
Liberty Mutual $5,197 $5,197
Nationwide $2,537 $2,537
Progressive $4,099 $4,099
State Farm $4,374 $4,591
Travelers $3,422 $3,422
USAA $1,895 $2,076

Hartselle, AL Cheapest Car Insurance Rates

How do the top Hartselle, Alabama car insurance companies’ average rates stack up against the Hartselle average monthly car insurance rates of $290? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Hartselle, Alabama

Insurance Company Average Annual Rates
Allstate $3,086
Farmers $3,924
GEICO $2,637
Liberty Mutual $5,197
Nationwide $2,537
Progressive $4,099
State Farm $4,483
Travelers $3,422
USAA $1,986

Other Factors Affecting Hartselle, AL Car Insurance Rates

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

Hartselle, AL Car Theft Rates

The car theft rate in Hartselle, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Hartselle, Alabama is 27 stolen cars.

Hartselle, AL Commute Time

How does your Hartselle, AL commute time compare with the average driver? In Hartselle, the average commute is 22.0 minutes.

Hartselle, AL Car Insurance Quotes

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