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 Muscle Shoals, AL for senior drivers are $1,773/year
  • The cheapest car insurance company in Muscle Shoals after a DUI is USAA
  • Average car insurance rates in Muscle Shoals, AL are $280/month

Average car insurance rates in Muscle Shoals, Alabama are $280 a month. But with a little research you can get a great deal from the top car insurance companies in Muscle Shoals, AL. Before you buy Muscle Shoals, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Muscle Shoals, AL Minimum Car Insurance Coverage

Muscle Shoals, 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 Muscle Shoals, 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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Muscle Shoals, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Muscle Shoals, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,505 $3,680 $4,012
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,551 $3,982 $4,479
State Farm $4,025 $4,283 $4,556
Travelers $3,092 $3,336 $3,384
USAA $1,926 $1,987 $2,080

Muscle Shoals, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Muscle Shoals, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,117 $2,100 $1,890 $2,014 $8,315 $8,550 $2,396 $2,475
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,153 $2,007 $1,769 $1,895 $9,011 $10,033 $2,509 $2,654
State Farm $2,590 $2,590 $2,361 $2,361 $8,037 $10,062 $2,930 $3,372
Travelers $1,324 $1,343 $1,248 $1,243 $7,118 $11,213 $1,255 $1,424
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

Muscle Shoals, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Muscle Shoals, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,315 $8,550
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $9,011 $10,033
State Farm $8,037 $10,062
Travelers $7,118 $11,213
USAA $3,726 $4,122

Muscle Shoals, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Muscle Shoals, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,890 $2,014
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,769 $1,895
State Farm $2,361 $2,361
Travelers $1,248 $1,243
USAA $1,160 $1,130

Muscle Shoals, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Muscle Shoals, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,179 $3,603 $3,415
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,505 $3,879 $3,628
State Farm $6,951 $3,520 $2,393
Travelers $3,565 $3,094 $3,153
USAA $2,683 $1,749 $1,562

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Muscle Shoals, AL Car Insurance Rates by Driver History

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

Annual Muscle Shoals, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,141 $4,069 $3,970 $3,750
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,604 $4,551 $3,906 $3,954
State Farm $3,856 $4,816 $4,240 $4,240
Travelers $2,726 $2,860 $4,182 $3,315
USAA $1,538 $1,933 $2,859 $1,662

Muscle Shoals, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Muscle Shoals, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,639
Farmers $3,970
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $3,906
State Farm $4,240
Travelers $4,182
USAA $2,859

Muscle Shoals, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Muscle Shoals, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,732 $3,732
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $4,004 $4,004
State Farm $4,182 $4,394
Travelers $3,271 $3,271
USAA $1,907 $2,089

Muscle Shoals, AL Cheapest Car Insurance Rates

How do the top Muscle Shoals, Alabama car insurance companies’ average rates stack up against the Muscle Shoals average monthly car insurance rates of $280? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Muscle Shoals, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,732
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $4,004
State Farm $4,288
Travelers $3,271
USAA $1,998

Other Factors Affecting Muscle Shoals, AL Car Insurance Rates

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

Muscle Shoals, AL Car Theft Rates

The car theft rate in Muscle Shoals, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Muscle Shoals, Alabama is 65 stolen cars.

Muscle Shoals, AL Commute Time

How does your Muscle Shoals, AL commute time compare with the average driver? In Muscle Shoals, the average commute is 19.6 minutes.

Muscle Shoals, AL Car Insurance Quotes

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