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 Needham, AL for senior drivers are $2,001/year
  • The cheapest car insurance company in Needham for teen drivers is USAA
  • The cheapest car insurance company in Needham after a DUI is USAA

Average car insurance rates in Needham, Alabama are $312 a month. But with a little research you can get a great deal from the top car insurance companies in Needham, AL. Before you buy Needham, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Needham, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Needham, Alabama

Insurance Company Low Medium High
Allstate $3,274 $3,374 $3,498
Farmers $4,180 $4,325 $4,597
GEICO $2,643 $2,832 $3,058
Liberty Mutual $5,165 $5,375 $5,659
Nationwide $2,624 $2,595 $2,649
Progressive $3,962 $4,393 $4,908
State Farm $4,193 $4,395 $4,616
Travelers $3,877 $4,155 $4,187
USAA $2,139 $2,204 $2,302

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Needham, 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 $2,108 $2,025 $1,893 $1,931 $6,868 $7,365 $2,398 $2,468
Farmers $2,560 $2,544 $2,293 $2,416 $9,417 $9,702 $2,926 $3,078
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,209 $3,473 $2,631 $2,946 $11,280 $12,554 $3,433 $3,673
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,460 $2,320 $2,011 $2,149 $9,691 $10,827 $2,873 $3,039
State Farm $2,785 $2,785 $2,484 $2,484 $7,946 $9,992 $3,135 $3,598
Travelers $1,666 $1,694 $1,550 $1,548 $8,818 $13,900 $1,576 $1,831
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

Needham, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Needham, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,868 $7,365
Farmers $9,417 $9,702
GEICO $5,292 $5,199
Liberty Mutual $11,280 $12,554
Nationwide $4,418 $5,752
Progressive $9,691 $10,827
State Farm $7,946 $9,992
Travelers $8,818 $13,900
USAA $4,083 $4,536

Needham, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Needham, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,893 $1,931
Farmers $2,293 $2,416
GEICO $1,937 $1,974
Liberty Mutual $2,631 $2,946
Nationwide $1,577 $1,642
Progressive $2,011 $2,149
State Farm $2,484 $2,484
Travelers $1,550 $1,548
USAA $1,288 $1,268

Needham, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Needham, Alabama

Insurance Company Poor Fair Good
Allstate $4,198 $3,273 $2,675
Farmers $4,903 $4,208 $3,991
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,753 $4,730 $3,716
Nationwide $3,171 $2,467 $2,229
Progressive $5,016 $4,272 $3,976
State Farm $7,136 $3,613 $2,455
Travelers $4,445 $3,850 $3,923
USAA $2,984 $1,935 $1,726

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Needham, AL Car Insurance Rates by Driver History

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

Annual Needham, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,907 $3,397 $3,969 $3,254
Farmers $3,677 $4,738 $4,620 $4,433
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,238 $5,882 $5,776 $5,702
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $4,004 $5,000 $4,281 $4,400
State Farm $4,006 $4,885 $4,357 $4,357
Travelers $3,394 $3,563 $5,197 $4,138
USAA $1,703 $2,133 $3,182 $1,843

Needham, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Needham, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
Farmers $4,620
GEICO $3,748
Liberty Mutual $5,776
Nationwide $3,353
Progressive $4,281
State Farm $4,357
Travelers $5,197
USAA $3,182

Needham, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Needham, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,382 $3,382
Farmers $4,367 $4,367
GEICO $2,789 $2,899
Liberty Mutual $5,400 $5,400
Nationwide $2,623 $2,623
Progressive $4,421 $4,421
State Farm $4,297 $4,506
Travelers $4,073 $4,073
USAA $2,114 $2,317

Needham, AL Cheapest Car Insurance Rates

How do the top Needham, Alabama car insurance companies’ average rates stack up against the Needham average monthly car insurance rates of $312? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Needham, Alabama

Insurance Company Average Annual Rates
Allstate $3,382
Farmers $4,367
GEICO $2,844
Liberty Mutual $5,400
Nationwide $2,623
Progressive $4,421
State Farm $4,401
Travelers $4,073
USAA $2,215

Other Factors Affecting Needham, AL Car Insurance Rates

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

Needham, AL Commute Time

How does your Needham, AL commute time compare with the average driver? In Needham, the average commute is 55.0 minutes.

Needham, AL Car Insurance Quotes

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