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

  • Average car insurance rates in Loxley, AL for senior drivers are $1,867/year
  • The cheapest car insurance company in Loxley after a DUI is USAA
  • Average car insurance rates in Loxley, AL are $295/month

Average car insurance rates in Loxley, Alabama are $295 a month. But with a little research you can get a great deal from the top car insurance companies in Loxley, AL. Before you buy Loxley, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Loxley, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Loxley, Alabama

Insurance Company Low Medium High
Allstate $3,090 $3,186 $3,295
Farmers $3,698 $3,879 $4,228
GEICO $2,550 $2,763 $3,013
Liberty Mutual $5,146 $5,368 $5,665
Nationwide $2,452 $2,462 $2,528
Progressive $3,857 $4,350 $4,930
State Farm $3,967 $4,199 $4,449
Travelers $3,284 $3,511 $3,534
USAA $1,940 $2,008 $2,112

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Loxley, 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 $1,909 $1,816 $1,728 $1,761 $6,742 $7,256 $2,132 $2,178
Farmers $2,233 $2,217 $1,995 $2,124 $8,751 $9,001 $2,534 $2,626
GEICO $1,980 $1,969 $1,893 $1,961 $5,246 $5,134 $2,089 $1,931
Liberty Mutual $3,124 $3,374 $2,559 $2,862 $11,534 $12,825 $3,326 $3,540
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,397 $2,238 $1,967 $2,112 $9,758 $10,859 $2,782 $2,917
State Farm $2,563 $2,563 $2,325 $2,325 $7,829 $9,798 $2,896 $3,341
Travelers $1,407 $1,428 $1,323 $1,318 $7,487 $11,716 $1,335 $1,527
USAA $1,259 $1,277 $1,180 $1,158 $3,740 $4,144 $1,636 $1,766

Loxley, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Loxley, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,742 $7,256
Farmers $8,751 $9,001
GEICO $5,246 $5,134
Liberty Mutual $11,534 $12,825
Nationwide $4,274 $5,478
Progressive $9,758 $10,859
State Farm $7,829 $9,798
Travelers $7,487 $11,716
USAA $3,740 $4,144

Loxley, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Loxley, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,728 $1,761
Farmers $1,995 $2,124
GEICO $1,893 $1,961
Liberty Mutual $2,559 $2,862
Nationwide $1,486 $1,534
Progressive $1,967 $2,112
State Farm $2,325 $2,325
Travelers $1,323 $1,318
USAA $1,180 $1,158

Loxley, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Loxley, Alabama

Insurance Company Poor Fair Good
Allstate $3,936 $3,100 $2,536
Farmers $4,412 $3,797 $3,597
GEICO $3,530 $2,518 $2,278
Liberty Mutual $7,719 $4,740 $3,720
Nationwide $2,987 $2,338 $2,118
Progressive $4,941 $4,239 $3,956
State Farm $6,815 $3,453 $2,348
Travelers $3,754 $3,256 $3,317
USAA $2,704 $1,772 $1,584

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Loxley, AL Car Insurance Rates by Driver History

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

Annual Loxley, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,705 $3,192 $3,801 $3,063
Farmers $3,310 $4,287 $4,183 $3,961
GEICO $1,865 $3,014 $3,740 $2,481
Liberty Mutual $4,227 $5,893 $5,755 $5,697
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,944 $4,963 $4,276 $4,332
State Farm $3,790 $4,712 $4,159 $4,159
Travelers $2,867 $3,009 $4,404 $3,491
USAA $1,556 $1,952 $2,890 $1,683

Loxley, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Loxley, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,801
Farmers $4,183
GEICO $3,740
Liberty Mutual $5,755
Nationwide $3,145
Progressive $4,276
State Farm $4,159
Travelers $4,404
USAA $2,890

Loxley, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Loxley, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,190 $3,190
Farmers $3,935 $3,935
GEICO $2,727 $2,823
Liberty Mutual $5,393 $5,393
Nationwide $2,481 $2,481
Progressive $4,379 $4,379
State Farm $4,103 $4,307
Travelers $3,443 $3,443
USAA $1,928 $2,112

Loxley, AL Cheapest Car Insurance Rates

How do the top Loxley, Alabama car insurance companies’ average rates stack up against the Loxley average monthly car insurance rates of $295? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Loxley, Alabama

Insurance Company Average Annual Rates
Allstate $3,190
Farmers $3,935
GEICO $2,775
Liberty Mutual $5,393
Nationwide $2,481
Progressive $4,379
State Farm $4,205
Travelers $3,443
USAA $2,020

Other Factors Affecting Loxley, AL Car Insurance Rates

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

Loxley, AL Commute Time

How does your Loxley, AL commute time compare with the average driver? In Loxley, the average commute is 28.2 minutes.

Loxley, AL Car Insurance Quotes

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