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

  • The cheapest car insurance company in Rainbow City after a DUI is USAA
  • The cheapest car insurance company in Rainbow City for teen drivers is USAA
  • The annual number of car thefts in Rainbow City is 9.

Average car insurance rates in Rainbow City, Alabama are $316 a month. But with a little research you can get a great deal from the top car insurance companies in Rainbow City, AL. Before you buy Rainbow City, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Rainbow City car insurance rates with Decatur car insurance rates, Auburn car insurance rates, or Huntsville car insurance rates to make sure you’re getting the best Rainbow City, AL car insurance quotes available.

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

Rainbow City, AL Minimum Car Insurance Coverage

Rainbow City, 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 Rainbow City, 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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Rainbow City, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Rainbow City, Alabama

Insurance Company Low Medium High
Allstate $3,270 $3,385 $3,516
Farmers $4,156 $4,365 $4,767
GEICO $2,590 $2,803 $3,054
Liberty Mutual $4,933 $5,157 $5,460
Nationwide $2,741 $2,735 $2,797
Progressive $4,007 $4,464 $4,989
State Farm $5,086 $5,401 $5,733
Travelers $3,371 $3,624 $3,665
USAA $1,983 $2,048 $2,148

Rainbow City, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Rainbow City, 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 $2,032 $1,933 $1,841 $1,876 $7,163 $7,694 $2,268 $2,316
Farmers $2,509 $2,491 $2,240 $2,388 $9,874 $10,156 $2,841 $2,936
GEICO $2,012 $2,002 $1,917 $1,984 $5,308 $5,206 $2,125 $1,972
Liberty Mutual $3,019 $3,261 $2,479 $2,773 $11,036 $12,273 $3,210 $3,415
Nationwide $1,788 $1,809 $1,631 $1,685 $4,787 $6,152 $1,988 $2,221
Progressive $2,393 $2,233 $1,963 $2,101 $10,121 $11,293 $2,799 $2,990
State Farm $3,254 $3,254 $2,967 $2,967 $10,164 $12,714 $3,684 $4,252
Travelers $1,433 $1,454 $1,351 $1,345 $7,751 $12,192 $1,357 $1,545
USAA $1,278 $1,295 $1,196 $1,170 $3,833 $4,246 $1,665 $1,794

Rainbow City, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Rainbow City, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,163 $7,694
Farmers $9,874 $10,156
GEICO $5,308 $5,206
Liberty Mutual $11,036 $12,273
Nationwide $4,787 $6,152
Progressive $10,121 $11,293
State Farm $10,164 $12,714
Travelers $7,751 $12,192
USAA $3,833 $4,246

Rainbow City, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Rainbow City, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,841 $1,876
Farmers $2,240 $2,388
GEICO $1,917 $1,984
Liberty Mutual $2,479 $2,773
Nationwide $1,631 $1,685
Progressive $1,963 $2,101
State Farm $2,967 $2,967
Travelers $1,351 $1,345
USAA $1,196 $1,170

Rainbow City, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Rainbow City, Alabama

Insurance Company Poor Fair Good
Allstate $4,183 $3,294 $2,695
Farmers $4,963 $4,275 $4,050
GEICO $3,582 $2,555 $2,311
Liberty Mutual $7,421 $4,554 $3,575
Nationwide $3,327 $2,596 $2,349
Progressive $5,044 $4,347 $4,069
State Farm $8,771 $4,437 $3,013
Travelers $3,873 $3,361 $3,426
USAA $2,762 $1,804 $1,612

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Rainbow City, AL Car Insurance Rates by Driver History

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

Annual Rainbow City, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,874 $3,394 $4,039 $3,255
Farmers $3,726 $4,828 $4,711 $4,452
GEICO $1,897 $3,056 $3,781 $2,528
Liberty Mutual $4,065 $5,660 $5,532 $5,476
Nationwide $2,414 $2,414 $3,510 $2,693
Progressive $4,044 $5,110 $4,360 $4,433
State Farm $4,859 $6,077 $5,346 $5,346
Travelers $2,959 $3,104 $4,549 $3,602
USAA $1,585 $1,991 $2,949 $1,714

Rainbow City, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Rainbow City, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,039
Farmers $4,711
GEICO $3,781
Liberty Mutual $5,532
Nationwide $3,510
Progressive $4,360
State Farm $5,346
Travelers $4,549
USAA $2,949

Rainbow City, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Rainbow City, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,390 $3,390
Farmers $4,429 $4,429
GEICO $2,765 $2,866
Liberty Mutual $5,183 $5,183
Nationwide $2,758 $2,758
Progressive $4,487 $4,487
State Farm $5,274 $5,540
Travelers $3,554 $3,554
USAA $1,966 $2,154

Rainbow City, AL Cheapest Car Insurance Rates

How do the top Rainbow City, Alabama car insurance companies’ average rates stack up against the Rainbow City average monthly car insurance rates of $316? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Rainbow City, Alabama

Insurance Company Average Annual Rates
Allstate $3,390
Farmers $4,429
GEICO $2,816
Liberty Mutual $5,183
Nationwide $2,758
Progressive $4,487
State Farm $5,407
Travelers $3,554
USAA $2,060

Other Factors Affecting Rainbow City, AL Car Insurance Rates

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

Rainbow City, AL Car Theft Rates

The car theft rate in Rainbow City, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Rainbow City, Alabama is 9 stolen cars.

Rainbow City, AL Commute Time

How does your Rainbow City, AL commute time compare with the average driver? In Rainbow City, the average commute is 21.4 minutes.

Rainbow City, AL Car Insurance Quotes

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