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

  • The annual number of car thefts in Helena is 18.
  • Average car insurance rates in Helena, AL are $318/month
  • The cheapest car insurance company in Helena for teen drivers is USAA

Average car insurance rates in Helena, Alabama are $318 a month. But with a little research you can get a great deal from the top car insurance companies in Helena, AL. Before you buy Helena, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Helena, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Helena, Alabama

Insurance Company Low Medium High
Allstate $3,531 $3,661 $3,808
Farmers $4,039 $4,235 $4,605
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,933 $5,149 $5,437
Nationwide $2,598 $2,603 $2,669
Progressive $4,123 $4,551 $5,023
State Farm $5,079 $5,380 $5,693
Travelers $3,201 $3,449 $3,496
USAA $2,124 $2,189 $2,288

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Helena, 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 $2,154 $2,041 $1,961 $1,997 $7,882 $8,490 $2,383 $2,425
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,954 $3,186 $2,414 $2,700 $11,201 $12,455 $3,140 $3,335
Nationwide $1,709 $1,728 $1,561 $1,612 $4,538 $5,824 $1,898 $2,117
Progressive $2,391 $2,229 $1,972 $2,095 $10,387 $11,597 $2,815 $3,036
State Farm $3,220 $3,220 $2,938 $2,938 $10,173 $12,705 $3,650 $4,232
Travelers $1,360 $1,379 $1,285 $1,279 $7,383 $11,624 $1,289 $1,459
USAA $1,370 $1,391 $1,278 $1,252 $4,078 $4,521 $1,784 $1,927

Helena, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Helena, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,882 $8,490
Farmers $9,571 $9,840
GEICO $5,892 $5,777
Liberty Mutual $11,201 $12,455
Nationwide $4,538 $5,824
Progressive $10,387 $11,597
State Farm $10,173 $12,705
Travelers $7,383 $11,624
USAA $4,078 $4,521

Helena, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Helena, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,961 $1,997
Farmers $2,170 $2,311
GEICO $2,089 $2,177
Liberty Mutual $2,414 $2,700
Nationwide $1,561 $1,612
Progressive $1,972 $2,095
State Farm $2,938 $2,938
Travelers $1,285 $1,279
USAA $1,278 $1,252

Helena, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Helena, Alabama

Insurance Company Poor Fair Good
Allstate $4,510 $3,570 $2,919
Farmers $4,806 $4,145 $3,927
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,386 $4,557 $3,576
Nationwide $3,160 $2,472 $2,238
Progressive $5,117 $4,426 $4,153
State Farm $8,744 $4,416 $2,993
Travelers $3,685 $3,200 $3,261
USAA $2,960 $1,923 $1,716

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Helena, AL Car Insurance Rates by Driver History

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

Annual Helena, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,090 $3,666 $4,395 $3,516
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $4,055 $5,660 $5,514 $5,464
Nationwide $2,299 $2,299 $3,333 $2,563
Progressive $4,110 $5,211 $4,440 $4,500
State Farm $4,831 $6,060 $5,323 $5,323
Travelers $2,817 $2,955 $4,331 $3,426
USAA $1,691 $2,122 $3,157 $1,830

Helena, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Helena, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,395
Farmers $4,565
GEICO $4,199
Liberty Mutual $5,514
Nationwide $3,333
Progressive $4,440
State Farm $5,323
Travelers $4,331
USAA $3,157

Helena, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Helena, Alabama

ZIP Code Average Annual Rates
35080 $3,906
35124 $3,937

Helena, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Helena, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,667 $3,667
Farmers $4,293 $4,293
GEICO $3,039 $3,144
Liberty Mutual $5,173 $5,173
Nationwide $2,623 $2,623
Progressive $4,565 $4,565
State Farm $5,253 $5,516
Travelers $3,382 $3,382
USAA $2,099 $2,301

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Helena, AL Cheapest Car Insurance Rates

How do the top Helena, Alabama car insurance companies’ average rates stack up against the Helena average monthly car insurance rates of $318? Take a look and see.

Best Annual Car Insurance Rates by Company in Helena, Alabama

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

Helena, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Helena, Alabama

Insurance Company Average Annual Rates
Allstate $3,667
Farmers $4,293
GEICO $3,092
Liberty Mutual $5,173
Nationwide $2,623
Progressive $4,565
State Farm $5,384
Travelers $3,382
USAA $2,200

Other Factors Affecting Helena, AL Car Insurance Rates

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

Helena, AL Car Theft Rates

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

Helena, AL Commute Time

How does your Helena, AL commute time compare with the average driver? In Helena, the average commute is 31.3 minutes.

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Helena, AL Car Insurance Quotes

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