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 Perdido Beach, AL are $294/month
  • The cheapest car insurance company in Perdido Beach for teen drivers is USAA
  • Average car insurance rates in Perdido Beach, AL for senior drivers are $1,852/year

Average car insurance rates in Perdido Beach, Alabama are $294 a month. But with a little research you can get a great deal from the top car insurance companies in Perdido Beach, AL. Before you buy Perdido Beach, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Perdido Beach, AL Minimum Car Insurance Coverage

Perdido Beach, 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 Perdido Beach, 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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Perdido Beach, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Perdido Beach, Alabama

Insurance Company Low Medium High
Allstate $2,985 $3,082 $3,190
Farmers $3,698 $3,879 $4,228
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,977 $5,199 $5,496
Nationwide $2,452 $2,462 $2,528
Progressive $3,638 $4,107 $4,664
State Farm $3,945 $4,193 $4,456
Travelers $4,004 $4,298 $4,341
USAA $1,824 $1,888 $1,987

Perdido Beach, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Perdido Beach, 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 $1,851 $1,762 $1,677 $1,709 $6,508 $7,006 $2,065 $2,108
Farmers $2,233 $2,217 $1,995 $2,124 $8,751 $9,001 $2,534 $2,626
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,035 $3,278 $2,489 $2,786 $11,147 $12,398 $3,228 $3,433
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,279 $2,128 $1,872 $2,011 $9,191 $10,215 $2,642 $2,755
State Farm $2,552 $2,552 $2,321 $2,321 $7,827 $9,807 $2,886 $3,317
Travelers $1,681 $1,707 $1,579 $1,574 $9,217 $14,549 $1,588 $1,818
USAA $1,187 $1,204 $1,113 $1,093 $3,510 $3,888 $1,540 $1,662

Perdido Beach, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Perdido Beach, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,508 $7,006
Farmers $8,751 $9,001
GEICO $4,934 $4,812
Liberty Mutual $11,147 $12,398
Nationwide $4,274 $5,478
Progressive $9,191 $10,215
State Farm $7,827 $9,807
Travelers $9,217 $14,549
USAA $3,510 $3,888

Perdido Beach, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Perdido Beach, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,677 $1,709
Farmers $1,995 $2,124
GEICO $1,795 $1,862
Liberty Mutual $2,489 $2,786
Nationwide $1,486 $1,534
Progressive $1,872 $2,011
State Farm $2,321 $2,321
Travelers $1,579 $1,574
USAA $1,113 $1,093

Perdido Beach, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Perdido Beach, Alabama

Insurance Company Poor Fair Good
Allstate $3,809 $2,997 $2,451
Farmers $4,412 $3,797 $3,597
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,474 $4,593 $3,606
Nationwide $2,987 $2,338 $2,118
Progressive $4,673 $4,003 $3,733
State Farm $6,803 $3,447 $2,344
Travelers $4,593 $3,986 $4,064
USAA $2,541 $1,666 $1,491

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Perdido Beach, AL Car Insurance Rates by Driver History

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

Annual Perdido Beach, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,620 $3,089 $3,671 $2,963
Farmers $3,310 $4,287 $4,183 $3,961
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,098 $5,705 $5,576 $5,517
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,726 $4,683 $4,043 $4,094
State Farm $3,782 $4,707 $4,152 $4,152
Travelers $3,506 $3,679 $5,400 $4,271
USAA $1,464 $1,837 $2,714 $1,584

Perdido Beach, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Perdido Beach, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,671
Farmers $4,183
GEICO $3,520
Liberty Mutual $5,576
Nationwide $3,145
Progressive $4,043
State Farm $4,152
Travelers $5,400
USAA $2,714

Perdido Beach, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Perdido Beach, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,086 $3,086
Farmers $3,935 $3,935
GEICO $2,571 $2,665
Liberty Mutual $5,224 $5,224
Nationwide $2,481 $2,481
Progressive $4,136 $4,136
State Farm $4,094 $4,302
Travelers $4,214 $4,214
USAA $1,813 $1,986

Perdido Beach, AL Cheapest Car Insurance Rates

How do the top Perdido Beach, Alabama car insurance companies’ average rates stack up against the Perdido Beach average monthly car insurance rates of $294? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Perdido Beach, Alabama

Insurance Company Average Annual Rates
Allstate $3,086
Farmers $3,935
GEICO $2,618
Liberty Mutual $5,224
Nationwide $2,481
Progressive $4,136
State Farm $4,198
Travelers $4,214
USAA $1,900

Other Factors Affecting Perdido Beach, AL Car Insurance Rates

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

Perdido Beach, AL Commute Time

How does your Perdido Beach, AL commute time compare with the average driver? In Perdido Beach, the average commute is 30.1 minutes.

Perdido Beach, AL Car Insurance Quotes

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