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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Saint Stephens, AL are $308/month
  • The cheapest car insurance company in Saint Stephens after a DUI is USAA
  • The cheapest car insurance company in Saint Stephens for teen drivers is USAA

Average car insurance rates in Saint Stephens, Alabama are $308 a month. But with a little research you can get a great deal from the top car insurance companies in Saint Stephens, AL. Before you buy Saint Stephens, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Saint Stephens car insurance rates with Madison car insurance rates, Birmingham car insurance rates, or Tuscaloosa car insurance rates to make sure you’re getting the best Saint Stephens, AL car insurance quotes available.

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

Saint Stephens, AL Minimum Car Insurance Coverage

Saint Stephens, 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 Saint Stephens, 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Saint Stephens, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Saint Stephens, Alabama

Insurance Company Low Medium High
Allstate $3,194 $3,281 $3,381
Farmers $3,941 $4,095 $4,386
GEICO $2,708 $2,886 $3,100
Liberty Mutual $5,273 $5,484 $5,768
Nationwide $2,624 $2,595 $2,649
Progressive $3,899 $4,315 $4,803
State Farm $4,622 $4,843 $5,088
Travelers $3,272 $3,498 $3,519
USAA $2,105 $2,171 $2,271

Saint Stephens, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Saint Stephens, 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 $2,029 $1,947 $1,815 $1,853 $6,725 $7,209 $2,318 $2,389
Farmers $2,388 $2,369 $2,136 $2,260 $9,060 $9,324 $2,729 $2,858
GEICO $2,116 $2,085 $1,968 $1,996 $5,380 $5,307 $2,235 $2,099
Liberty Mutual $3,252 $3,517 $2,664 $2,981 $11,576 $12,880 $3,477 $3,718
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,384 $2,246 $1,951 $2,081 $9,578 $10,708 $2,791 $2,972
State Farm $3,100 $3,100 $2,757 $2,757 $8,683 $10,940 $3,486 $3,987
Travelers $1,424 $1,449 $1,327 $1,326 $7,394 $11,596 $1,354 $1,568
USAA $1,362 $1,388 $1,271 $1,252 $4,020 $4,464 $1,777 $1,925

Saint Stephens, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Saint Stephens, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,725 $7,209
Farmers $9,060 $9,324
GEICO $5,380 $5,307
Liberty Mutual $11,576 $12,880
Nationwide $4,418 $5,752
Progressive $9,578 $10,708
State Farm $8,683 $10,940
Travelers $7,394 $11,596
USAA $4,020 $4,464

Saint Stephens, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Saint Stephens, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,815 $1,853
Farmers $2,136 $2,260
GEICO $1,968 $1,996
Liberty Mutual $2,664 $2,981
Nationwide $1,577 $1,642
Progressive $1,951 $2,081
State Farm $2,757 $2,757
Travelers $1,327 $1,326
USAA $1,271 $1,252

Saint Stephens, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Saint Stephens, Alabama

Insurance Company Poor Fair Good
Allstate $4,071 $3,182 $2,604
Farmers $4,644 $3,993 $3,785
GEICO $3,687 $2,629 $2,378
Liberty Mutual $7,904 $4,828 $3,792
Nationwide $3,171 $2,467 $2,229
Progressive $4,911 $4,195 $3,910
State Farm $7,862 $3,983 $2,708
Travelers $3,744 $3,243 $3,303
USAA $2,937 $1,908 $1,703

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Saint Stephens, AL Car Insurance Rates by Driver History

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

Annual Saint Stephens, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,817 $3,301 $3,865 $3,159
Farmers $3,481 $4,500 $4,388 $4,193
GEICO $1,980 $3,144 $3,808 $2,661
Liberty Mutual $4,321 $6,005 $5,889 $5,817
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,925 $4,916 $4,203 $4,311
State Farm $4,427 $5,370 $4,804 $4,804
Travelers $2,861 $3,004 $4,370 $3,484
USAA $1,678 $2,102 $3,133 $1,816

Saint Stephens, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Saint Stephens, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,865
Farmers $4,388
GEICO $3,808
Liberty Mutual $5,889
Nationwide $3,353
Progressive $4,203
State Farm $4,804
Travelers $4,370
USAA $3,133

Saint Stephens, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Saint Stephens, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,286 $3,286
Farmers $4,141 $4,141
GEICO $2,842 $2,954
Liberty Mutual $5,508 $5,508
Nationwide $2,623 $2,623
Progressive $4,339 $4,339
State Farm $4,736 $4,966
Travelers $3,430 $3,430
USAA $2,082 $2,282

Saint Stephens, AL Cheapest Car Insurance Rates

How do the top Saint Stephens, Alabama car insurance companies’ average rates stack up against the Saint Stephens average monthly car insurance rates of $308? Take a look and see.

Best Annual Car Insurance Rates by Company in Saint Stephens, Alabama

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Saint Stephens, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Saint Stephens, Alabama

Insurance Company Average Annual Rates
Allstate $3,286
Farmers $4,141
GEICO $2,898
Liberty Mutual $5,508
Nationwide $2,623
Progressive $4,339
State Farm $4,851
Travelers $3,430
USAA $2,182

Saint Stephens, AL Car Insurance Quotes

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