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 cheapest car insurance company in Hoover after a DUI is USAA
  • The cheapest car insurance company in Hoover for teen drivers is USAA
  • Average car insurance rates in Hoover, AL are $328/month

Average car insurance rates in Hoover, Alabama are $328 a month. But with a little research you can get a great deal from the top car insurance companies in Hoover, AL. Before you buy Hoover, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Hoover, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Hoover, Alabama

Insurance Company Low Medium High
Allstate $3,479 $3,610 $3,757
Farmers $4,173 $4,376 $4,768
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,852 $5,065 $5,350
Nationwide $2,839 $2,824 $2,885
Progressive $4,439 $4,910 $5,433
State Farm $5,348 $5,674 $6,010
Travelers $3,464 $3,728 $3,776
USAA $2,055 $2,119 $2,216

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hoover, 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 $2,125 $2,014 $1,936 $1,972 $7,767 $8,368 $2,350 $2,390
Farmers $2,489 $2,467 $2,219 $2,366 $9,961 $10,251 $2,830 $2,928
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,914 $3,143 $2,388 $2,671 $11,001 $12,227 $3,091 $3,276
Nationwide $1,842 $1,864 $1,679 $1,736 $4,958 $6,376 $2,050 $2,292
Progressive $2,574 $2,391 $2,127 $2,263 $11,254 $12,539 $3,025 $3,245
State Farm $3,385 $3,385 $3,092 $3,092 $10,751 $13,432 $3,838 $4,446
Travelers $1,441 $1,461 $1,364 $1,359 $8,030 $12,689 $1,366 $1,538
USAA $1,322 $1,339 $1,234 $1,205 $3,967 $4,395 $1,722 $1,855

Hoover, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Hoover, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,767 $8,368
Farmers $9,961 $10,251
GEICO $5,892 $5,777
Liberty Mutual $11,001 $12,227
Nationwide $4,958 $6,376
Progressive $11,254 $12,539
State Farm $10,751 $13,432
Travelers $8,030 $12,689
USAA $3,967 $4,395

Hoover, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Hoover, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $1,972
Farmers $2,219 $2,366
GEICO $2,089 $2,177
Liberty Mutual $2,388 $2,671
Nationwide $1,679 $1,736
Progressive $2,127 $2,263
State Farm $3,092 $3,092
Travelers $1,364 $1,359
USAA $1,234 $1,205

Hoover, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Hoover, Alabama

Insurance Company Poor Fair Good
Allstate $4,448 $3,519 $2,878
Farmers $4,966 $4,288 $4,062
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,260 $4,485 $3,522
Nationwide $3,439 $2,683 $2,426
Progressive $5,515 $4,780 $4,487
State Farm $9,223 $4,655 $3,154
Travelers $3,979 $3,460 $3,528
USAA $2,863 $1,863 $1,663

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Hoover, AL Car Insurance Rates by Driver History

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

Annual Hoover, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,048 $3,615 $4,331 $3,467
Farmers $3,729 $4,841 $4,722 $4,463
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $3,990 $5,567 $5,424 $5,374
Nationwide $2,492 $2,492 $3,631 $2,782
Progressive $4,430 $5,628 $4,802 $4,849
State Farm $5,091 $6,395 $5,612 $5,612
Travelers $3,044 $3,191 $4,693 $3,695
USAA $1,637 $2,058 $3,053 $1,771

Hoover, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Hoover, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,331
Farmers $4,722
GEICO $4,199
Liberty Mutual $5,424
Nationwide $3,631
Progressive $4,802
State Farm $5,612
Travelers $4,693
USAA $3,053

Hoover, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Hoover, Alabama

ZIP Code Average Annual Rates
35216 $4,031
35244 $4,090

Hoover, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Hoover, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,615 $3,615
Farmers $4,439 $4,439
GEICO $3,039 $3,144
Liberty Mutual $5,089 $5,089
Nationwide $2,849 $2,849
Progressive $4,927 $4,927
State Farm $5,538 $5,817
Travelers $3,656 $3,656
USAA $2,032 $2,227

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Hoover, AL Cheapest Car Insurance Rates

How do the top Hoover, Alabama car insurance companies’ average rates stack up against the Hoover average monthly car insurance rates of $328? Take a look and see.

Best Annual Car Insurance Rates by Company in Hoover, Alabama

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

Hoover, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Hoover, Alabama

Insurance Company Average Annual Rates
Allstate $3,615
Farmers $4,439
GEICO $3,092
Liberty Mutual $5,089
Nationwide $2,849
Progressive $4,927
State Farm $5,677
Travelers $3,656
USAA $2,130

Other Factors Affecting Hoover, AL Car Insurance Rates

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

Hoover, AL Commute Time

How does your Hoover, AL commute time compare with the average driver? In Hoover, the average commute is 23.8 minutes.

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Hoover, AL Car Insurance Quotes

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