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 cheapest car insurance company in Red Bay for teen drivers is USAA
  • Average car insurance rates in Red Bay, AL for senior drivers are $1,862/year
  • The annual number of car thefts in Red Bay is 6.

Average car insurance rates in Red Bay, Alabama are $291 a month. But with a little research you can get a great deal from the top car insurance companies in Red Bay, AL. Before you buy Red Bay, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Red Bay, AL Minimum Car Insurance Coverage

Red Bay, 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 Red Bay, 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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Red Bay, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Red Bay, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,797 $3,952 $4,250
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,740 $4,943 $5,216
Nationwide $2,698 $2,680 $2,738
Progressive $3,820 $4,200 $4,656
State Farm $4,028 $4,232 $4,456
Travelers $3,355 $3,606 $3,645
USAA $1,967 $2,027 $2,117

Red Bay, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Red Bay, 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 $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,304 $2,287 $2,061 $2,182 $8,764 $9,021 $2,629 $2,749
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,949 $3,190 $2,423 $2,712 $10,388 $11,559 $3,148 $3,362
Nationwide $1,762 $1,783 $1,605 $1,661 $4,672 $6,014 $1,957 $2,187
Progressive $2,338 $2,203 $1,914 $2,044 $9,295 $10,371 $2,737 $2,898
State Farm $2,624 $2,624 $2,361 $2,361 $7,798 $9,761 $2,961 $3,422
Travelers $1,443 $1,465 $1,356 $1,350 $7,680 $12,061 $1,366 $1,564
USAA $1,274 $1,295 $1,187 $1,164 $3,761 $4,171 $1,657 $1,790

Red Bay, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Red Bay, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $8,764 $9,021
GEICO $4,918 $4,831
Liberty Mutual $10,388 $11,559
Nationwide $4,672 $6,014
Progressive $9,295 $10,371
State Farm $7,798 $9,761
Travelers $7,680 $12,061
USAA $3,761 $4,171

Red Bay, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Red Bay, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,061 $2,182
GEICO $1,804 $1,850
Liberty Mutual $2,423 $2,712
Nationwide $1,605 $1,661
Progressive $1,914 $2,044
State Farm $2,361 $2,361
Travelers $1,356 $1,350
USAA $1,187 $1,164

Red Bay, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Red Bay, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,488 $3,856 $3,655
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,122 $4,354 $3,423
Nationwide $3,266 $2,547 $2,303
Progressive $4,789 $4,083 $3,803
State Farm $6,870 $3,480 $2,366
Travelers $3,857 $3,343 $3,407
USAA $2,744 $1,780 $1,588

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Red Bay, AL Car Insurance Rates by Driver History

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

Annual Red Bay, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,363 $4,348 $4,240 $4,047
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,901 $5,410 $5,310 $5,244
Nationwide $2,367 $2,367 $3,444 $2,642
Progressive $3,828 $4,784 $4,085 $4,203
State Farm $3,836 $4,732 $4,194 $4,194
Travelers $2,944 $3,090 $4,519 $3,590
USAA $1,568 $1,965 $2,921 $1,696

Red Bay, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Red Bay, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,700
Farmers $4,240
GEICO $3,504
Liberty Mutual $5,310
Nationwide $3,444
Progressive $4,085
State Farm $4,194
Travelers $4,519
USAA $2,921

Red Bay, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Red Bay, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,000 $4,000
GEICO $2,587 $2,686
Liberty Mutual $4,966 $4,966
Nationwide $2,705 $2,705
Progressive $4,225 $4,225
State Farm $4,139 $4,339
Travelers $3,535 $3,535
USAA $1,944 $2,130

Red Bay, AL Cheapest Car Insurance Rates

How do the top Red Bay, Alabama car insurance companies’ average rates stack up against the Red Bay average monthly car insurance rates of $291? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Red Bay, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,000
GEICO $2,637
Liberty Mutual $4,966
Nationwide $2,705
Progressive $4,225
State Farm $4,239
Travelers $3,535
USAA $2,037

Other Factors Affecting Red Bay, AL Car Insurance Rates

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

Red Bay, AL Car Theft Rates

The car theft rate in Red Bay, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Red Bay, Alabama is 6 stolen cars.

Red Bay, AL Commute Time

How does your Red Bay, AL commute time compare with the average driver? In Red Bay, the average commute is 29.4 minutes.

Red Bay, AL Car Insurance Quotes

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