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 cheapest car insurance company in Highland Lake for teen drivers is USAA
  • The cheapest car insurance company in Highland Lake after a DUI is USAA
  • Average car insurance rates in Highland Lake, AL are $316/month

Average car insurance rates in Highland Lake, Alabama are $316 a month. But with a little research you can get a great deal from the top car insurance companies in Highland Lake, AL. Before you buy Highland Lake, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Highland Lake car insurance rates with Decatur car insurance rates, Auburn car insurance rates, or Madison car insurance rates to make sure you’re getting the best Highland Lake, AL car insurance quotes available.

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

Highland Lake, AL Minimum Car Insurance Coverage

Highland Lake, 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 Highland Lake, 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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Highland Lake, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Highland Lake, Alabama

Insurance Company Low Medium High
Allstate $3,217 $3,327 $3,454
Farmers $4,110 $4,281 $4,606
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,184 $5,391 $5,669
Nationwide $2,578 $2,574 $2,635
Progressive $3,942 $4,381 $4,902
State Farm $4,725 $4,969 $5,235
Travelers $3,514 $3,757 $3,780
USAA $2,064 $2,127 $2,223

Highland Lake, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Highland Lake, 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 $2,016 $1,921 $1,821 $1,856 $6,983 $7,489 $2,260 $2,314
Farmers $2,476 $2,455 $2,213 $2,347 $9,554 $9,828 $2,830 $2,955
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,153 $3,405 $2,581 $2,883 $11,526 $12,810 $3,366 $3,594
Nationwide $1,696 $1,716 $1,548 $1,600 $4,472 $5,749 $1,882 $2,100
Progressive $2,399 $2,248 $1,962 $2,105 $9,824 $10,957 $2,801 $2,971
State Farm $3,055 $3,055 $2,758 $2,758 $9,218 $11,523 $3,450 $3,997
Travelers $1,506 $1,529 $1,414 $1,408 $8,010 $12,538 $1,426 $1,638
USAA $1,327 $1,347 $1,238 $1,212 $3,975 $4,408 $1,732 $1,868

Highland Lake, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Highland Lake, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,983 $7,489
Farmers $9,554 $9,828
GEICO $6,182 $6,096
Liberty Mutual $11,526 $12,810
Nationwide $4,472 $5,749
Progressive $9,824 $10,957
State Farm $9,218 $11,523
Travelers $8,010 $12,538
USAA $3,975 $4,408

Highland Lake, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Highland Lake, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,821 $1,856
Farmers $2,213 $2,347
GEICO $2,178 $2,261
Liberty Mutual $2,581 $2,883
Nationwide $1,548 $1,600
Progressive $1,962 $2,105
State Farm $2,758 $2,758
Travelers $1,414 $1,408
USAA $1,238 $1,212

Highland Lake, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Highland Lake, Alabama

Insurance Company Poor Fair Good
Allstate $4,116 $3,234 $2,647
Farmers $4,857 $4,180 $3,960
GEICO $4,135 $2,945 $2,664
Liberty Mutual $7,763 $4,753 $3,728
Nationwide $3,130 $2,444 $2,211
Progressive $4,977 $4,266 $3,982
State Farm $8,067 $4,086 $2,777
Travelers $4,019 $3,484 $3,549
USAA $2,877 $1,869 $1,668

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Highland Lake, AL Car Insurance Rates by Driver History

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

Annual Highland Lake, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,833 $3,338 $3,958 $3,201
Farmers $3,639 $4,713 $4,596 $4,381
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,241 $5,916 $5,781 $5,721
Nationwide $2,274 $2,274 $3,298 $2,535
Progressive $3,984 $5,007 $4,270 $4,372
State Farm $4,494 $5,567 $4,923 $4,923
Travelers $3,066 $3,218 $4,712 $3,739
USAA $1,644 $2,064 $3,067 $1,778

Highland Lake, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Highland Lake, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,958
Farmers $4,596
GEICO $4,396
Liberty Mutual $5,781
Nationwide $3,298
Progressive $4,270
State Farm $4,923
Travelers $4,712
USAA $3,067

Highland Lake, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Highland Lake, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,333 $3,333
Farmers $4,332 $4,332
GEICO $3,191 $3,305
Liberty Mutual $5,415 $5,415
Nationwide $2,595 $2,595
Progressive $4,408 $4,408
State Farm $4,859 $5,094
Travelers $3,684 $3,684
USAA $2,040 $2,236

Highland Lake, AL Cheapest Car Insurance Rates

How do the top Highland Lake, Alabama car insurance companies’ average rates stack up against the Highland Lake average monthly car insurance rates of $316? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Highland Lake, Alabama

Insurance Company Average Annual Rates
Allstate $3,333
Farmers $4,332
GEICO $3,248
Liberty Mutual $5,415
Nationwide $2,595
Progressive $4,408
State Farm $4,977
Travelers $3,684
USAA $2,138

Other Factors Affecting Highland Lake, AL Car Insurance Rates

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

Highland Lake, AL Commute Time

How does your Highland Lake, AL commute time compare with the average driver? In Highland Lake, the average commute is 32.6 minutes.

Highland Lake, AL Car Insurance Quotes

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