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 Houston after a DUI is USAA
  • Average car insurance rates in Houston, AL for senior drivers are $1,920/year
  • Average car insurance rates in Houston, AL are $301/month

Average car insurance rates in Houston, Alabama are $301 a month. But with a little research you can get a great deal from the top car insurance companies in Houston, AL. Before you buy Houston, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Houston, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Houston, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,948 $4,106 $4,407
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,989 $5,200 $5,482
Nationwide $2,958 $2,923 $2,978
Progressive $3,834 $4,232 $4,693
State Farm $4,332 $4,528 $4,745
Travelers $3,327 $3,549 $3,564
USAA $2,056 $2,116 $2,208

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Houston, 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 $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,403 $2,387 $2,151 $2,275 $9,066 $9,334 $2,742 $2,871
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $3,066 $3,315 $2,513 $2,812 $11,039 $12,281 $3,272 $3,492
Nationwide $1,917 $1,944 $1,740 $1,806 $5,097 $6,597 $2,132 $2,392
Progressive $2,314 $2,177 $1,897 $2,020 $9,444 $10,556 $2,715 $2,901
State Farm $2,834 $2,834 $2,536 $2,536 $8,279 $10,368 $3,195 $3,698
Travelers $1,438 $1,461 $1,343 $1,341 $7,528 $11,784 $1,366 $1,577
USAA $1,324 $1,347 $1,233 $1,209 $3,937 $4,370 $1,729 $1,867

Houston, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Houston, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $9,066 $9,334
GEICO $4,918 $4,831
Liberty Mutual $11,039 $12,281
Nationwide $5,097 $6,597
Progressive $9,444 $10,556
State Farm $8,279 $10,368
Travelers $7,528 $11,784
USAA $3,937 $4,370

Houston, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Houston, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,151 $2,275
GEICO $1,804 $1,850
Liberty Mutual $2,513 $2,812
Nationwide $1,740 $1,806
Progressive $1,897 $2,020
State Farm $2,536 $2,536
Travelers $1,343 $1,341
USAA $1,233 $1,209

Houston, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Houston, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,662 $4,004 $3,795
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,486 $4,584 $3,601
Nationwide $3,571 $2,778 $2,510
Progressive $4,805 $4,114 $3,840
State Farm $7,355 $3,722 $2,528
Travelers $3,797 $3,291 $3,352
USAA $2,867 $1,857 $1,656

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Houston, AL Car Insurance Rates by Driver History

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

Annual Houston, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,494 $4,513 $4,402 $4,205
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $4,099 $5,698 $5,581 $5,517
Nationwide $2,576 $2,576 $3,777 $2,883
Progressive $3,846 $4,826 $4,121 $4,220
State Farm $4,114 $5,050 $4,488 $4,488
Travelers $2,901 $3,045 $4,441 $3,532
USAA $1,635 $2,051 $3,053 $1,769

Houston, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Houston, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,700
Farmers $4,402
GEICO $3,504
Liberty Mutual $5,581
Nationwide $3,777
Progressive $4,121
State Farm $4,488
Travelers $4,441
USAA $3,053

Houston, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Houston, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,154 $4,154
GEICO $2,587 $2,686
Liberty Mutual $5,224 $5,224
Nationwide $2,953 $2,953
Progressive $4,253 $4,253
State Farm $4,430 $4,640
Travelers $3,480 $3,480
USAA $2,029 $2,224

Houston, AL Cheapest Car Insurance Rates

How do the top Houston, Alabama car insurance companies’ average rates stack up against the Houston average monthly car insurance rates of $301? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Houston, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,154
GEICO $2,637
Liberty Mutual $5,224
Nationwide $2,953
Progressive $4,253
State Farm $4,535
Travelers $3,480
USAA $2,127

Other Factors Affecting Houston, AL Car Insurance Rates

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

Houston, AL Traffic

Spending time in Houston traffic can lead to higher car insurance rates. According to INRIX data, Houston, AL ranks as the 57th-most congested with traffic in the world.

Houston, AL Car Insurance Quotes

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