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 annual number of car thefts in Opelika is 80.
  • The cheapest car insurance company in Opelika after a DUI is USAA
  • The cheapest car insurance company in Opelika for teen drivers is USAA

Average car insurance rates in Opelika, Alabama are $290 a month. But with a little research you can get a great deal from the top car insurance companies in Opelika, AL. Before you buy Opelika, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Opelika, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Opelika, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,623 $3,789 $4,105
GEICO $2,572 $2,773 $3,010
Liberty Mutual $4,841 $5,053 $5,339
Nationwide $2,517 $2,512 $2,574
Progressive $3,736 $4,170 $4,675
State Farm $4,189 $4,438 $4,702
Travelers $3,060 $3,285 $3,318
USAA $2,075 $2,140 $2,240

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Opelika, 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 $2,200 $2,184 $1,966 $2,088 $8,468 $8,714 $2,497 $2,595
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $2,973 $3,214 $2,439 $2,731 $10,754 $11,965 $3,168 $3,375
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,272 $2,123 $1,868 $1,998 $9,384 $10,450 $2,651 $2,801
State Farm $2,714 $2,714 $2,460 $2,460 $8,255 $10,344 $3,067 $3,530
Travelers $1,330 $1,350 $1,247 $1,243 $6,967 $10,922 $1,263 $1,448
USAA $1,338 $1,358 $1,250 $1,224 $3,994 $4,426 $1,742 $1,881

Opelika, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Opelika, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,468 $8,714
GEICO $5,231 $5,122
Liberty Mutual $10,754 $11,965
Nationwide $4,321 $5,576
Progressive $9,384 $10,450
State Farm $8,255 $10,344
Travelers $6,967 $10,922
USAA $3,994 $4,426

Opelika, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Opelika, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $1,966 $2,088
GEICO $1,897 $1,951
Liberty Mutual $2,439 $2,731
Nationwide $1,522 $1,577
Progressive $1,868 $1,998
State Farm $2,460 $2,460
Travelers $1,247 $1,243
USAA $1,250 $1,224

Opelika, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Opelika, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,304 $3,703 $3,510
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,269 $4,459 $3,504
Nationwide $3,056 $2,387 $2,160
Progressive $4,726 $4,060 $3,794
State Farm $7,204 $3,647 $2,478
Travelers $3,515 $3,046 $3,103
USAA $2,891 $1,883 $1,681

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Opelika, AL Car Insurance Rates by Driver History

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

Annual Opelika, 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 $3,231 $4,178 $4,076 $3,870
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $3,986 $5,539 $5,423 $5,362
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,780 $4,761 $4,086 $4,147
State Farm $4,007 $4,975 $4,395 $4,395
Travelers $2,686 $2,819 $4,110 $3,270
USAA $1,655 $2,077 $3,085 $1,790

Opelika, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Opelika, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,076
GEICO $3,713
Liberty Mutual $5,423
Nationwide $3,225
Progressive $4,086
State Farm $4,395
Travelers $4,110
USAA $3,085

Opelika, AL Car Insurance Rates by ZIP Code

Just like Opelika car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Opelika, AL car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Opelika, Alabama

ZIP Code Average Annual Rates
36801 $3,540
36804 $3,582

Opelika, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Opelika, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $3,839 $3,839
GEICO $2,734 $2,836
Liberty Mutual $5,077 $5,077
Nationwide $2,534 $2,534
Progressive $4,193 $4,193
State Farm $4,334 $4,552
Travelers $3,221 $3,221
USAA $2,053 $2,250

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Opelika, AL Cheapest Car Insurance Rates

How do the top Opelika, Alabama car insurance companies’ average rates stack up against the Opelika average monthly car insurance rates of $290? Take a look and see.

Best Annual Car Insurance Rates by Company in Opelika, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Opelika, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Opelika, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $3,839
GEICO $2,785
Liberty Mutual $5,077
Nationwide $2,534
Progressive $4,193
State Farm $4,443
Travelers $3,221
USAA $2,152

Other Factors Affecting Opelika, AL Car Insurance Rates

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

Opelika, AL Car Theft Rates

The car theft rate in Opelika, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Opelika, Alabama is 80 stolen cars.

Opelika, AL Commute Time

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

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Opelika, AL Car Insurance Quotes

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