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 Ralph, AL are $316/month
  • Average car insurance rates in Ralph, AL for senior drivers are $1,998/year
  • The cheapest car insurance company in Ralph after a DUI is USAA

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

It may even be helpful to compare Ralph car insurance rates with Mobile car insurance rates, Decatur car insurance rates, or Birmingham car insurance rates to make sure you’re getting the best Ralph, AL car insurance quotes available.

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

Ralph, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Ralph, Alabama

Insurance Company Low Medium High
Allstate $3,356 $3,468 $3,597
Farmers $4,113 $4,309 $4,686
GEICO $2,725 $2,948 $3,208
Liberty Mutual $4,924 $5,135 $5,420
Nationwide $2,596 $2,598 $2,662
Progressive $3,924 $4,338 $4,828
State Farm $4,722 $5,008 $5,307
Travelers $3,766 $4,043 $4,083
USAA $2,089 $2,156 $2,258

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ralph, 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 $2,090 $1,993 $1,890 $1,927 $7,298 $7,850 $2,344 $2,398
Farmers $2,486 $2,470 $2,220 $2,361 $9,694 $9,981 $2,819 $2,922
GEICO $2,099 $2,095 $2,001 $2,078 $5,613 $5,513 $2,219 $2,062
Liberty Mutual $3,057 $3,306 $2,514 $2,813 $10,820 $12,034 $3,258 $3,475
Nationwide $1,709 $1,728 $1,560 $1,612 $4,521 $5,808 $1,897 $2,117
Progressive $2,355 $2,206 $1,926 $2,065 $9,765 $10,894 $2,756 $2,939
State Farm $3,026 $3,026 $2,754 $2,754 $9,397 $11,762 $3,426 $3,952
Travelers $1,593 $1,616 $1,499 $1,492 $8,661 $13,628 $1,505 $1,720
USAA $1,347 $1,365 $1,258 $1,231 $4,033 $4,467 $1,753 $1,891

Ralph, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ralph, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,298 $7,850
Farmers $9,694 $9,981
GEICO $5,613 $5,513
Liberty Mutual $10,820 $12,034
Nationwide $4,521 $5,808
Progressive $9,765 $10,894
State Farm $9,397 $11,762
Travelers $8,661 $13,628
USAA $4,033 $4,467

Ralph, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ralph, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,890 $1,927
Farmers $2,220 $2,361
GEICO $2,001 $2,078
Liberty Mutual $2,514 $2,813
Nationwide $1,560 $1,612
Progressive $1,926 $2,065
State Farm $2,754 $2,754
Travelers $1,499 $1,492
USAA $1,258 $1,231

Ralph, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ralph, Alabama

Insurance Company Poor Fair Good
Allstate $4,289 $3,374 $2,758
Farmers $4,895 $4,216 $3,996
GEICO $3,766 $2,685 $2,429
Liberty Mutual $7,398 $4,525 $3,556
Nationwide $3,156 $2,467 $2,234
Progressive $4,920 $4,223 $3,946
State Farm $8,135 $4,112 $2,789
Travelers $4,322 $3,749 $3,822
USAA $2,911 $1,898 $1,695

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Ralph, AL Car Insurance Rates by Driver History

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

Annual Ralph, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,952 $3,481 $4,126 $3,336
Farmers $3,677 $4,759 $4,643 $4,397
GEICO $1,986 $3,215 $3,995 $2,644
Liberty Mutual $4,050 $5,624 $5,515 $5,449
Nationwide $2,294 $2,294 $3,329 $2,558
Progressive $3,945 $4,964 $4,217 $4,326
State Farm $4,508 $5,628 $4,956 $4,956
Travelers $3,297 $3,460 $5,079 $4,021
USAA $1,667 $2,094 $3,108 $1,803

Ralph, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ralph, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,126
Farmers $4,643
GEICO $3,995
Liberty Mutual $5,515
Nationwide $3,329
Progressive $4,217
State Farm $4,956
Travelers $5,079
USAA $3,108

Ralph, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ralph, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,474 $3,474
Farmers $4,369 $4,369
GEICO $2,907 $3,013
Liberty Mutual $5,160 $5,160
Nationwide $2,619 $2,619
Progressive $4,363 $4,363
State Farm $4,889 $5,135
Travelers $3,964 $3,964
USAA $2,069 $2,267

Ralph, AL Cheapest Car Insurance Rates

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

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

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

Average Annual Car Insurance Rates by Company in Ralph, Alabama

Insurance Company Average Annual Rates
Allstate $3,474
Farmers $4,369
GEICO $2,960
Liberty Mutual $5,160
Nationwide $2,619
Progressive $4,363
State Farm $5,012
Travelers $3,964
USAA $2,168

Ralph, AL Car Insurance Quotes

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