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 Harvest, AL for senior drivers are $1,876/year
  • The cheapest car insurance company in Harvest after a DUI is USAA
  • Average car insurance rates in Harvest, AL are $296/month

Average car insurance rates in Harvest, Alabama are $296 a month. But with a little research you can get a great deal from the top car insurance companies in Harvest, AL. Before you buy Harvest, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Harvest, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Harvest, Alabama

Insurance Company Low Medium High
Allstate $3,047 $3,162 $3,295
Farmers $3,788 $3,961 $4,285
GEICO $2,361 $2,579 $2,832
Liberty Mutual $4,606 $4,824 $5,118
Nationwide $2,747 $2,745 $2,810
Progressive $4,071 $4,552 $5,107
State Farm $4,598 $4,907 $5,233
Travelers $2,862 $3,095 $3,148
USAA $1,992 $2,057 $2,155

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harvest, 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 $1,910 $1,820 $1,735 $1,768 $6,659 $7,161 $2,126 $2,167
Farmers $2,280 $2,258 $2,035 $2,164 $8,912 $9,163 $2,592 $2,688
GEICO $1,841 $1,833 $1,775 $1,851 $4,914 $4,785 $1,944 $1,783
Liberty Mutual $2,792 $3,013 $2,295 $2,568 $10,438 $11,603 $2,956 $3,130
Nationwide $1,793 $1,812 $1,635 $1,690 $4,810 $6,178 $1,994 $2,226
Progressive $2,464 $2,299 $2,026 $2,167 $10,283 $11,455 $2,875 $3,045
State Farm $2,946 $2,946 $2,696 $2,696 $9,256 $11,585 $3,336 $3,837
Travelers $1,216 $1,232 $1,154 $1,148 $6,632 $10,450 $1,155 $1,293
USAA $1,284 $1,296 $1,200 $1,168 $3,866 $4,274 $1,665 $1,791

Harvest, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Harvest, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,659 $7,161
Farmers $8,912 $9,163
GEICO $4,914 $4,785
Liberty Mutual $10,438 $11,603
Nationwide $4,810 $6,178
Progressive $10,283 $11,455
State Farm $9,256 $11,585
Travelers $6,632 $10,450
USAA $3,866 $4,274

Harvest, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Harvest, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,768
Farmers $2,035 $2,164
GEICO $1,775 $1,851
Liberty Mutual $2,295 $2,568
Nationwide $1,635 $1,690
Progressive $2,026 $2,167
State Farm $2,696 $2,696
Travelers $1,154 $1,148
USAA $1,200 $1,168

Harvest, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Harvest, Alabama

Insurance Company Poor Fair Good
Allstate $3,914 $3,076 $2,515
Farmers $4,490 $3,874 $3,671
GEICO $3,293 $2,351 $2,128
Liberty Mutual $6,921 $4,272 $3,355
Nationwide $3,336 $2,607 $2,359
Progressive $5,151 $4,433 $4,146
State Farm $7,962 $4,033 $2,742
Travelers $3,305 $2,872 $2,928
USAA $2,773 $1,812 $1,619

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Harvest, AL Car Insurance Rates by Driver History

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

Annual Harvest, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,175 $3,761 $3,043
Farmers $3,372 $4,371 $4,263 $4,040
GEICO $1,736 $2,818 $3,506 $2,303
Liberty Mutual $3,805 $5,302 $5,169 $5,122
Nationwide $2,422 $2,422 $3,522 $2,703
Progressive $4,122 $5,203 $4,461 $4,522
State Farm $4,410 $5,526 $4,857 $4,857
Travelers $2,530 $2,652 $3,887 $3,071
USAA $1,591 $2,002 $2,959 $1,720

Harvest, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Harvest, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,761
Farmers $4,263
GEICO $3,506
Liberty Mutual $5,169
Nationwide $3,522
Progressive $4,461
State Farm $4,857
Travelers $3,887
USAA $2,959

Harvest, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Harvest, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,168 $3,168
Farmers $4,011 $4,011
GEICO $2,546 $2,635
Liberty Mutual $4,849 $4,849
Nationwide $2,767 $2,767
Progressive $4,577 $4,577
State Farm $4,790 $5,035
Travelers $3,035 $3,035
USAA $1,973 $2,162

Harvest, AL Cheapest Car Insurance Rates

How do the top Harvest, Alabama car insurance companies’ average rates stack up against the Harvest average monthly car insurance rates of $296? Take a look and see.

Best Annual Car Insurance Rates by Company in Harvest, Alabama

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

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Harvest, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Harvest, Alabama

Insurance Company Average Annual Rates
Allstate $3,168
Farmers $4,011
GEICO $2,591
Liberty Mutual $4,849
Nationwide $2,767
Progressive $4,577
State Farm $4,912
Travelers $3,035
USAA $2,068

Other Factors Affecting Harvest, AL Car Insurance Rates

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

Harvest, AL Commute Time

How does your Harvest, AL commute time compare with the average driver? In Harvest, the average commute is 28.5 minutes.

Harvest, AL Car Insurance Quotes

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