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...

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

  • The cheapest car insurance company in Shelby after a DUI is USAA
  • Average car insurance rates in Shelby, AL are $310/month
  • The cheapest car insurance company in Shelby for teen drivers is USAA

Average car insurance rates in Shelby, Alabama are $310 a month. But with a little research you can get a great deal from the top car insurance companies in Shelby, AL. Before you buy Shelby, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Shelby, AL Minimum Car Insurance Coverage

Shelby, 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 Shelby, 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

Shelby, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shelby, Alabama

Insurance Company Low Medium High
Allstate $3,238 $3,350 $3,474
Farmers $4,039 $4,235 $4,605
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,793 $5,002 $5,282
Nationwide $2,541 $2,546 $2,611
Progressive $4,300 $4,772 $5,316
State Farm $4,643 $4,909 $5,190
Travelers $3,435 $3,704 $3,756
USAA $2,104 $2,168 $2,265

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Shelby, 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 $2,010 $1,914 $1,818 $1,853 $7,078 $7,604 $2,252 $2,302
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,907 $3,138 $2,384 $2,666 $10,769 $11,971 $3,090 $3,283
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,578 $2,413 $2,115 $2,258 $10,751 $12,006 $3,020 $3,226
State Farm $2,979 $2,979 $2,704 $2,704 $9,189 $11,494 $3,370 $3,896
Travelers $1,455 $1,477 $1,369 $1,365 $7,923 $12,521 $1,377 $1,567
USAA $1,359 $1,379 $1,267 $1,241 $4,035 $4,473 $1,767 $1,910

Shelby, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Shelby, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,078 $7,604
Farmers $9,571 $9,840
GEICO $5,204 $5,101
Liberty Mutual $10,769 $11,971
Nationwide $4,422 $5,679
Progressive $10,751 $12,006
State Farm $9,189 $11,494
Travelers $7,923 $12,521
USAA $4,035 $4,473

Shelby, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Shelby, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,818 $1,853
Farmers $2,170 $2,311
GEICO $1,878 $1,947
Liberty Mutual $2,384 $2,666
Nationwide $1,532 $1,583
Progressive $2,115 $2,258
State Farm $2,704 $2,704
Travelers $1,369 $1,365
USAA $1,267 $1,241

Shelby, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Shelby, Alabama

Insurance Company Poor Fair Good
Allstate $4,138 $3,258 $2,666
Farmers $4,806 $4,145 $3,927
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,182 $4,422 $3,473
Nationwide $3,092 $2,418 $2,189
Progressive $5,402 $4,644 $4,342
State Farm $7,975 $4,032 $2,736
Travelers $3,958 $3,435 $3,502
USAA $2,933 $1,904 $1,699

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

 Secured with SHA-256 Encryption

Shelby, AL Car Insurance Rates by Driver History

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

Annual Shelby, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,846 $3,361 $3,989 $3,220
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $3,942 $5,492 $5,361 $5,308
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $4,327 $5,455 $4,656 $4,746
State Farm $4,424 $5,514 $4,860 $4,860
Travelers $3,026 $3,174 $4,648 $3,680
USAA $1,675 $2,102 $3,126 $1,812

Shelby, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Shelby, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,989
Farmers $4,565
GEICO $3,711
Liberty Mutual $5,361
Nationwide $3,259
Progressive $4,656
State Farm $4,860
Travelers $4,648
USAA $3,126

Shelby, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Shelby, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,354 $3,354
Farmers $4,293 $4,293
GEICO $2,707 $2,804
Liberty Mutual $5,026 $5,026
Nationwide $2,566 $2,566
Progressive $4,796 $4,796
State Farm $4,795 $5,034
Travelers $3,632 $3,632
USAA $2,079 $2,279

Shelby, AL Cheapest Car Insurance Rates

How do the top Shelby, Alabama car insurance companies’ average rates stack up against the Shelby average monthly car insurance rates of $310? Take a look and see.

Best Annual Car Insurance Rates by Company in Shelby, 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

Shelby, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Shelby, Alabama

Insurance Company Average Annual Rates
Allstate $3,354
Farmers $4,293
GEICO $2,755
Liberty Mutual $5,026
Nationwide $2,566
Progressive $4,796
State Farm $4,914
Travelers $3,632
USAA $2,179

Other Factors Affecting Shelby, AL Car Insurance Rates

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

Shelby, AL Commute Time

How does your Shelby, AL commute time compare with the average driver? In Shelby, the average commute is 34.1 minutes.

Shelby, AL Car Insurance Quotes

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