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 Loachapoka after a DUI is USAA
  • Average car insurance rates in Loachapoka, AL are $302/month
  • The cheapest car insurance company in Loachapoka for teen drivers is USAA

Average car insurance rates in Loachapoka, Alabama are $302 a month. But with a little research you can get a great deal from the top car insurance companies in Loachapoka, AL. Before you buy Loachapoka, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Loachapoka, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Loachapoka, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,898 $4,048 $4,330
GEICO $2,726 $2,919 $3,149
Liberty Mutual $5,117 $5,329 $5,615
Nationwide $2,517 $2,512 $2,574
Progressive $3,583 $3,958 $4,382
State Farm $4,278 $4,514 $4,767
Travelers $3,728 $4,021 $4,076
USAA $2,121 $2,188 $2,289

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Loachapoka, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,351 $2,329 $2,102 $2,224 $8,984 $9,241 $2,690 $2,814
GEICO $2,127 $2,102 $1,993 $2,033 $5,465 $5,384 $2,245 $2,102
Liberty Mutual $3,117 $3,368 $2,552 $2,853 $11,393 $12,670 $3,326 $3,549
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,115 $1,977 $1,742 $1,853 $8,963 $10,000 $2,484 $2,660
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,366 $1,386 $1,276 $1,249 $4,089 $4,532 $1,780 $1,921

Loachapoka, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Loachapoka, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,984 $9,241
GEICO $5,465 $5,384
Liberty Mutual $11,393 $12,670
Nationwide $4,321 $5,576
Progressive $8,963 $10,000
State Farm $8,309 $10,427
Travelers $8,574 $13,577
USAA $4,089 $4,532

Loachapoka, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Loachapoka, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,102 $2,224
GEICO $1,993 $2,033
Liberty Mutual $2,552 $2,853
Nationwide $1,522 $1,577
Progressive $1,742 $1,853
State Farm $2,520 $2,520
Travelers $1,484 $1,481
USAA $1,276 $1,249

Loachapoka, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Loachapoka, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,585 $3,949 $3,742
GEICO $3,729 $2,659 $2,405
Liberty Mutual $7,670 $4,701 $3,689
Nationwide $3,056 $2,387 $2,160
Progressive $4,468 $3,850 $3,605
State Farm $7,329 $3,709 $2,520
Travelers $4,298 $3,727 $3,800
USAA $2,956 $1,924 $1,718

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Loachapoka, AL Car Insurance Rates by Driver History

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

Annual Loachapoka, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,438 $4,450 $4,338 $4,143
GEICO $1,994 $3,179 $3,878 $2,674
Liberty Mutual $4,197 $5,846 $5,716 $5,655
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,583 $4,525 $3,865 $3,925
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,691 $2,124 $3,155 $1,829

Loachapoka, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Loachapoka, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,338
GEICO $3,878
Liberty Mutual $5,716
Nationwide $3,225
Progressive $3,865
State Farm $4,472
Travelers $5,038
USAA $3,155

Loachapoka, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Loachapoka, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,092 $4,092
GEICO $2,876 $2,987
Liberty Mutual $5,354 $5,354
Nationwide $2,534 $2,534
Progressive $3,974 $3,974
State Farm $4,410 $4,629
Travelers $3,941 $3,941
USAA $2,099 $2,300

Loachapoka, AL Cheapest Car Insurance Rates

How do the top Loachapoka, Alabama car insurance companies’ average rates stack up against the Loachapoka average monthly car insurance rates of $302? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Loachapoka, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,092
GEICO $2,931
Liberty Mutual $5,354
Nationwide $2,534
Progressive $3,974
State Farm $4,519
Travelers $3,941
USAA $2,200

Other Factors Affecting Loachapoka, AL Car Insurance Rates

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

Loachapoka, AL Commute Time

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

Loachapoka, AL Car Insurance Quotes

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