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 Salem after a DUI is Nationwide
  • Average car insurance rates in Salem, AL for senior drivers are $2,015/year
  • The cheapest car insurance company in Salem for teen drivers is USAA

Average car insurance rates in Salem, Alabama are $317 a month. But with a little research you can get a great deal from the top car insurance companies in Salem, AL. Before you buy Salem, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Salem, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Salem, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,973 $4,154 $4,498
GEICO $2,572 $2,773 $3,010
Liberty Mutual $5,241 $5,455 $5,743
Nationwide $2,658 $2,662 $2,728
Progressive $4,303 $4,772 $5,314
State Farm $5,004 $5,307 $5,628
Travelers $3,330 $3,552 $3,565
USAA $2,332 $2,408 $2,524

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Salem, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,422 $2,407 $2,166 $2,299 $9,250 $9,522 $2,745 $2,854
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $3,183 $3,438 $2,603 $2,912 $11,687 $12,998 $3,396 $3,621
Nationwide $1,757 $1,780 $1,600 $1,658 $4,596 $5,937 $1,950 $2,183
Progressive $2,615 $2,456 $2,149 $2,289 $10,653 $11,893 $3,062 $3,253
State Farm $3,246 $3,246 $2,943 $2,943 $9,867 $12,376 $3,669 $4,215
Travelers $1,449 $1,473 $1,354 $1,350 $7,522 $11,742 $1,376 $1,592
USAA $1,491 $1,514 $1,396 $1,369 $4,522 $5,017 $1,952 $2,109

Salem, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Salem, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $9,250 $9,522
GEICO $5,231 $5,122
Liberty Mutual $11,687 $12,998
Nationwide $4,596 $5,937
Progressive $10,653 $11,893
State Farm $9,867 $12,376
Travelers $7,522 $11,742
USAA $4,522 $5,017

Salem, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Salem, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,166 $2,299
GEICO $1,897 $1,951
Liberty Mutual $2,603 $2,912
Nationwide $1,600 $1,658
Progressive $2,149 $2,289
State Farm $2,943 $2,943
Travelers $1,354 $1,350
USAA $1,396 $1,369

Salem, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Salem, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,719 $4,058 $3,847
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,846 $4,814 $3,779
Nationwide $3,234 $2,526 $2,287
Progressive $5,417 $4,640 $4,332
State Farm $8,618 $4,360 $2,961
Travelers $3,802 $3,292 $3,353
USAA $3,249 $2,121 $1,895

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Salem, AL Car Insurance Rates by Driver History

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

Annual Salem, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,545 $4,579 $4,467 $4,242
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $4,296 $5,985 $5,850 $5,787
Nationwide $2,345 $2,345 $3,420 $2,620
Progressive $4,330 $5,439 $4,663 $4,753
State Farm $4,793 $5,949 $5,255 $5,255
Travelers $2,901 $3,046 $4,442 $3,539
USAA $1,859 $2,337 $3,477 $2,012

Salem, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Salem, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,467
GEICO $3,713
Liberty Mutual $5,850
Nationwide $3,420
Progressive $4,663
State Farm $5,255
Travelers $4,442
USAA $3,477

Salem, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Salem, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,208 $4,208
GEICO $2,734 $2,836
Liberty Mutual $5,480 $5,480
Nationwide $2,682 $2,682
Progressive $4,796 $4,796
State Farm $5,182 $5,444
Travelers $3,482 $3,482
USAA $2,310 $2,532

Salem, AL Cheapest Car Insurance Rates

How do the top Salem, Alabama car insurance companies’ average rates stack up against the Salem average monthly car insurance rates of $317? Take a look and see.

Best Annual Car Insurance Rates by Company in Salem, Alabama

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

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Salem, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Salem, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,208
GEICO $2,785
Liberty Mutual $5,480
Nationwide $2,682
Progressive $4,796
State Farm $5,313
Travelers $3,482
USAA $2,421

Other Factors Affecting Salem, AL Car Insurance Rates

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

Salem, AL Traffic

Spending time in Salem traffic can lead to higher car insurance rates. According to INRIX data, Salem, AL ranks as the 737th-most congested with traffic in the world.

Salem, AL Car Insurance Quotes

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