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

  • Average car insurance rates in Jefferson, AL for senior drivers are $1,987/year
  • The cheapest car insurance company in Jefferson for teen drivers is USAA
  • The cheapest car insurance company in Jefferson after a DUI is USAA

Average car insurance rates in Jefferson, Alabama are $310 a month. But with a little research you can get a great deal from the top car insurance companies in Jefferson, AL. Before you buy Jefferson, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Jefferson, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Jefferson, Alabama

Insurance Company Low Medium High
Allstate $3,335 $3,448 $3,584
Farmers $3,972 $4,144 $4,473
GEICO $2,643 $2,832 $3,058
Liberty Mutual $4,977 $5,191 $5,480
Nationwide $2,624 $2,595 $2,649
Progressive $3,888 $4,320 $4,839
State Farm $4,411 $4,630 $4,873
Travelers $3,750 $4,001 $4,016
USAA $2,139 $2,204 $2,302

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jefferson, 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 $2,146 $2,059 $1,929 $1,968 $7,049 $7,554 $2,436 $2,505
Farmers $2,414 $2,398 $2,159 $2,289 $9,213 $9,484 $2,748 $2,867
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,076 $3,327 $2,524 $2,826 $10,975 $12,213 $3,282 $3,503
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,432 $2,293 $1,989 $2,128 $9,513 $10,616 $2,836 $2,985
State Farm $2,940 $2,940 $2,624 $2,624 $8,362 $10,517 $3,308 $3,791
Travelers $1,623 $1,652 $1,510 $1,507 $8,472 $13,283 $1,538 $1,793
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

Jefferson, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Jefferson, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,049 $7,554
Farmers $9,213 $9,484
GEICO $5,292 $5,199
Liberty Mutual $10,975 $12,213
Nationwide $4,418 $5,752
Progressive $9,513 $10,616
State Farm $8,362 $10,517
Travelers $8,472 $13,283
USAA $4,083 $4,536

Jefferson, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Jefferson, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,929 $1,968
Farmers $2,159 $2,289
GEICO $1,937 $1,974
Liberty Mutual $2,524 $2,826
Nationwide $1,577 $1,642
Progressive $1,989 $2,128
State Farm $2,624 $2,624
Travelers $1,510 $1,507
USAA $1,288 $1,268

Jefferson, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Jefferson, Alabama

Insurance Company Poor Fair Good
Allstate $4,287 $3,345 $2,735
Farmers $4,709 $4,046 $3,835
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,478 $4,575 $3,594
Nationwide $3,171 $2,467 $2,229
Progressive $4,937 $4,201 $3,909
State Farm $7,514 $3,809 $2,592
Travelers $4,283 $3,708 $3,777
USAA $2,984 $1,935 $1,726

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Jefferson, AL Car Insurance Rates by Driver History

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

Annual Jefferson, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,967 $3,472 $4,060 $3,324
Farmers $3,531 $4,563 $4,452 $4,240
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,094 $5,686 $5,575 $5,508
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,937 $4,914 $4,217 $4,329
State Farm $4,223 $5,146 $4,592 $4,592
Travelers $3,268 $3,432 $5,002 $3,987
USAA $1,703 $2,133 $3,182 $1,843

Jefferson, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Jefferson, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,060
Farmers $4,452
GEICO $3,748
Liberty Mutual $5,575
Nationwide $3,353
Progressive $4,217
State Farm $4,592
Travelers $5,002
USAA $3,182

Jefferson, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Jefferson, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,456 $3,456
Farmers $4,196 $4,196
GEICO $2,789 $2,899
Liberty Mutual $5,216 $5,216
Nationwide $2,623 $2,623
Progressive $4,349 $4,349
State Farm $4,528 $4,748
Travelers $3,922 $3,922
USAA $2,114 $2,317

Jefferson, AL Cheapest Car Insurance Rates

How do the top Jefferson, Alabama car insurance companies’ average rates stack up against the Jefferson average monthly car insurance rates of $310? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Jefferson, Alabama

Insurance Company Average Annual Rates
Allstate $3,456
Farmers $4,196
GEICO $2,844
Liberty Mutual $5,216
Nationwide $2,623
Progressive $4,349
State Farm $4,638
Travelers $3,922
USAA $2,215

Other Factors Affecting Jefferson, AL Car Insurance Rates

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

Jefferson, AL Commute Time

How does your Jefferson, AL commute time compare with the average driver? In Jefferson, the average commute is 26.8 minutes.

Jefferson, AL Car Insurance Quotes

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