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 Lester for teen drivers is USAA
  • Average car insurance rates in Lester, AL for senior drivers are $1,871/year
  • The cheapest car insurance company in Lester after a DUI is USAA

Average car insurance rates in Lester, Alabama are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Lester, AL. Before you buy Lester, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Lester, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Lester, Alabama

Insurance Company Low Medium High
Allstate $3,047 $3,162 $3,295
Farmers $3,703 $3,873 $4,197
GEICO $2,473 $2,691 $2,949
Liberty Mutual $5,010 $5,228 $5,521
Nationwide $2,626 $2,617 $2,677
Progressive $3,865 $4,293 $4,786
State Farm $4,105 $4,322 $4,558
Travelers $3,471 $3,738 $3,786
USAA $1,984 $2,045 $2,138

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lester, 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 $1,910 $1,820 $1,735 $1,768 $6,659 $7,161 $2,126 $2,167
Farmers $2,230 $2,211 $1,992 $2,118 $8,712 $8,959 $2,538 $2,635
GEICO $1,937 $1,926 $1,862 $1,928 $5,088 $4,973 $2,039 $1,880
Liberty Mutual $3,026 $3,266 $2,478 $2,771 $11,290 $12,551 $3,219 $3,424
Nationwide $1,720 $1,740 $1,570 $1,622 $4,565 $5,863 $1,910 $2,131
Progressive $2,316 $2,165 $1,902 $2,032 $9,693 $10,811 $2,711 $2,889
State Farm $2,648 $2,648 $2,394 $2,394 $8,036 $10,044 $2,992 $3,466
Travelers $1,475 $1,498 $1,385 $1,382 $7,981 $12,608 $1,397 $1,596
USAA $1,276 $1,291 $1,191 $1,161 $3,835 $4,245 $1,660 $1,786

Lester, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lester, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,659 $7,161
Farmers $8,712 $8,959
GEICO $5,088 $4,973
Liberty Mutual $11,290 $12,551
Nationwide $4,565 $5,863
Progressive $9,693 $10,811
State Farm $8,036 $10,044
Travelers $7,981 $12,608
USAA $3,835 $4,245

Lester, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lester, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,768
Farmers $1,992 $2,118
GEICO $1,862 $1,928
Liberty Mutual $2,478 $2,771
Nationwide $1,570 $1,622
Progressive $1,902 $2,032
State Farm $2,394 $2,394
Travelers $1,385 $1,382
USAA $1,191 $1,161

Lester, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lester, Alabama

Insurance Company Poor Fair Good
Allstate $3,914 $3,076 $2,515
Farmers $4,397 $3,788 $3,589
GEICO $3,439 $2,454 $2,220
Liberty Mutual $7,514 $4,621 $3,625
Nationwide $3,185 $2,486 $2,250
Progressive $4,858 $4,179 $3,908
State Farm $7,016 $3,553 $2,415
Travelers $3,995 $3,467 $3,534
USAA $2,763 $1,799 $1,606

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Lester, AL Car Insurance Rates by Driver History

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

Annual Lester, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,175 $3,761 $3,043
Farmers $3,298 $4,274 $4,169 $3,956
GEICO $1,821 $2,933 $3,640 $2,423
Liberty Mutual $4,117 $5,744 $5,603 $5,550
Nationwide $2,313 $2,313 $3,356 $2,579
Progressive $3,891 $4,908 $4,193 $4,267
State Farm $3,905 $4,845 $4,281 $4,281
Travelers $3,054 $3,204 $4,687 $3,715
USAA $1,581 $1,988 $2,944 $1,710

Lester, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lester, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,761
Farmers $4,169
GEICO $3,640
Liberty Mutual $5,603
Nationwide $3,356
Progressive $4,193
State Farm $4,281
Travelers $4,687
USAA $2,944

Lester, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lester, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,168 $3,168
Farmers $3,924 $3,924
GEICO $2,657 $2,751
Liberty Mutual $5,253 $5,253
Nationwide $2,640 $2,640
Progressive $4,315 $4,315
State Farm $4,225 $4,431
Travelers $3,665 $3,665
USAA $1,962 $2,150

Lester, AL Cheapest Car Insurance Rates

How do the top Lester, Alabama car insurance companies’ average rates stack up against the Lester average monthly car insurance rates of $297? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Lester, Alabama

Insurance Company Average Annual Rates
Allstate $3,168
Farmers $3,924
GEICO $2,704
Liberty Mutual $5,253
Nationwide $2,640
Progressive $4,315
State Farm $4,328
Travelers $3,665
USAA $2,056

Other Factors Affecting Lester, AL Car Insurance Rates

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

Lester, AL Commute Time

How does your Lester, AL commute time compare with the average driver? In Lester, the average commute is 41.6 minutes.

Lester, AL Car Insurance Quotes

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