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

  • Average car insurance rates in Henagar, AL are $292/month
  • The cheapest car insurance company in Henagar for teen drivers is USAA
  • The annual number of car thefts in Henagar is 2.

Average car insurance rates in Henagar, Alabama are $292 a month. But with a little research you can get a great deal from the top car insurance companies in Henagar, AL. Before you buy Henagar, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Henagar, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Henagar, Alabama

Insurance Company Low Medium High
Allstate $2,898 $2,989 $3,099
Farmers $3,717 $3,868 $4,156
GEICO $2,613 $2,811 $3,048
Liberty Mutual $4,988 $5,195 $5,473
Nationwide $2,532 $2,529 $2,590
Progressive $3,656 $4,016 $4,441
State Farm $4,086 $4,302 $4,537
Travelers $3,502 $3,735 $3,750
USAA $1,905 $1,965 $2,056

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Henagar, 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 $1,840 $1,761 $1,662 $1,694 $6,178 $6,642 $2,069 $2,119
Farmers $2,254 $2,237 $2,016 $2,134 $8,577 $8,828 $2,572 $2,690
GEICO $2,034 $2,021 $1,927 $1,978 $5,284 $5,207 $2,142 $2,000
Liberty Mutual $3,031 $3,273 $2,482 $2,772 $11,133 $12,376 $3,233 $3,450
Nationwide $1,667 $1,687 $1,523 $1,574 $4,394 $5,642 $1,850 $2,063
Progressive $2,232 $2,108 $1,826 $1,944 $8,868 $9,917 $2,618 $2,789
State Farm $2,639 $2,639 $2,385 $2,385 $7,992 $9,991 $2,981 $3,452
Travelers $1,508 $1,531 $1,414 $1,408 $7,950 $12,412 $1,429 $1,646
USAA $1,231 $1,250 $1,149 $1,126 $3,657 $4,056 $1,603 $1,729

Henagar, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Henagar, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,178 $6,642
Farmers $8,577 $8,828
GEICO $5,284 $5,207
Liberty Mutual $11,133 $12,376
Nationwide $4,394 $5,642
Progressive $8,868 $9,917
State Farm $7,992 $9,991
Travelers $7,950 $12,412
USAA $3,657 $4,056

Henagar, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Henagar, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,662 $1,694
Farmers $2,016 $2,134
GEICO $1,927 $1,978
Liberty Mutual $2,482 $2,772
Nationwide $1,523 $1,574
Progressive $1,826 $1,944
State Farm $2,385 $2,385
Travelers $1,414 $1,408
USAA $1,149 $1,126

Henagar, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Henagar, Alabama

Insurance Company Poor Fair Good
Allstate $3,711 $2,902 $2,373
Farmers $4,390 $3,774 $3,577
GEICO $3,592 $2,562 $2,318
Liberty Mutual $7,478 $4,583 $3,595
Nationwide $3,075 $2,402 $2,174
Progressive $4,578 $3,901 $3,633
State Farm $6,983 $3,537 $2,404
Travelers $3,997 $3,463 $3,527
USAA $2,655 $1,728 $1,543

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Henagar, AL Car Insurance Rates by Driver History

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

Annual Henagar, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,563 $3,004 $3,534 $2,881
Farmers $3,291 $4,254 $4,149 $3,960
GEICO $1,912 $3,060 $3,769 $2,555
Liberty Mutual $4,089 $5,702 $5,570 $5,514
Nationwide $2,236 $2,236 $3,238 $2,491
Progressive $3,659 $4,570 $3,902 $4,018
State Farm $3,888 $4,822 $4,261 $4,261
Travelers $3,048 $3,200 $4,682 $3,720
USAA $1,520 $1,908 $2,828 $1,644

Henagar, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Henagar, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,534
Farmers $4,149
GEICO $3,769
Liberty Mutual $5,570
Nationwide $3,238
Progressive $3,902
State Farm $4,261
Travelers $4,682
USAA $2,828

Henagar, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Henagar, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,995 $2,995
Farmers $3,913 $3,913
GEICO $2,773 $2,875
Liberty Mutual $5,219 $5,219
Nationwide $2,550 $2,550
Progressive $4,038 $4,038
State Farm $4,206 $4,410
Travelers $3,662 $3,662
USAA $1,885 $2,065

Henagar, AL Cheapest Car Insurance Rates

How do the top Henagar, Alabama car insurance companies’ average rates stack up against the Henagar average monthly car insurance rates of $292? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Henagar, Alabama

Insurance Company Average Annual Rates
Allstate $2,995
Farmers $3,913
GEICO $2,824
Liberty Mutual $5,219
Nationwide $2,550
Progressive $4,038
State Farm $4,308
Travelers $3,662
USAA $1,975

Other Factors Affecting Henagar, AL Car Insurance Rates

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

Henagar, AL Car Theft Rates

The car theft rate in Henagar, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Henagar, Alabama is 2 stolen cars.

Henagar, AL Commute Time

How does your Henagar, AL commute time compare with the average driver? In Henagar, the average commute is 26.2 minutes.

Henagar, AL Car Insurance Quotes

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