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 annual number of car thefts in Sheffield is 39.
  • Average car insurance rates in Sheffield, AL for senior drivers are $1,779/year
  • The cheapest car insurance company in Sheffield after a DUI is USAA

Average car insurance rates in Sheffield, Alabama are $282 a month. But with a little research you can get a great deal from the top car insurance companies in Sheffield, AL. Before you buy Sheffield, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Sheffield, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Sheffield, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,473 $3,647 $3,984
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,528 $3,946 $4,423
State Farm $4,083 $4,341 $4,613
Travelers $3,341 $3,622 $3,690
USAA $1,926 $1,987 $2,080

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sheffield, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,090 $2,076 $1,865 $1,987 $8,269 $8,515 $2,365 $2,444
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,121 $1,978 $1,744 $1,864 $8,942 $9,967 $2,477 $2,634
State Farm $2,623 $2,623 $2,391 $2,391 $8,150 $10,200 $2,968 $3,420
Travelers $1,409 $1,429 $1,332 $1,326 $7,771 $12,309 $1,331 $1,502
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

Sheffield, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Sheffield, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,269 $8,515
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $8,942 $9,967
State Farm $8,150 $10,200
Travelers $7,771 $12,309
USAA $3,726 $4,122

Sheffield, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Sheffield, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,865 $1,987
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,744 $1,864
State Farm $2,391 $2,391
Travelers $1,332 $1,326
USAA $1,160 $1,130

Sheffield, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Sheffield, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,143 $3,574 $3,387
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,459 $3,843 $3,596
State Farm $7,045 $3,567 $2,425
Travelers $3,868 $3,360 $3,426
USAA $2,683 $1,749 $1,562

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Sheffield, AL Car Insurance Rates by Driver History

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

Annual Sheffield, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,115 $4,036 $3,938 $3,717
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,570 $4,511 $3,868 $3,914
State Farm $3,908 $4,881 $4,297 $4,297
Travelers $2,957 $3,101 $4,549 $3,597
USAA $1,538 $1,933 $2,859 $1,662

Sheffield, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Sheffield, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,639
Farmers $3,938
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $3,868
State Farm $4,297
Travelers $4,549
USAA $2,859

Sheffield, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Sheffield, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,701 $3,701
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $3,966 $3,966
State Farm $4,238 $4,453
Travelers $3,551 $3,551
USAA $1,907 $2,089

Sheffield, AL Cheapest Car Insurance Rates

How do the top Sheffield, Alabama car insurance companies’ average rates stack up against the Sheffield average monthly car insurance rates of $282? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Sheffield, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,701
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $3,966
State Farm $4,346
Travelers $3,551
USAA $1,998

Other Factors Affecting Sheffield, AL Car Insurance Rates

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

Sheffield, AL Car Theft Rates

The car theft rate in Sheffield, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Sheffield, Alabama is 39 stolen cars.

Sheffield, AL Commute Time

How does your Sheffield, AL commute time compare with the average driver? In Sheffield, the average commute is 21.1 minutes.

Sheffield, AL Car Insurance Quotes

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