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

  • Average car insurance rates in Spruce Pine, AL for senior drivers are $1,851/year
  • The cheapest car insurance company in Spruce Pine after a DUI is USAA
  • The cheapest car insurance company in Spruce Pine for teen drivers is USAA

Average car insurance rates in Spruce Pine, Alabama are $289 a month. But with a little research you can get a great deal from the top car insurance companies in Spruce Pine, AL. Before you buy Spruce Pine, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Spruce Pine car insurance rates with Decatur car insurance rates, Montgomery car insurance rates, or Mobile car insurance rates to make sure you’re getting the best Spruce Pine, AL car insurance quotes available.

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

Spruce Pine, AL Minimum Car Insurance Coverage

Spruce Pine, 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 Spruce Pine, 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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Spruce Pine, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Spruce Pine, 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 $3,845 $4,264 $4,763
State Farm $4,009 $4,227 $4,462
Travelers $3,022 $3,249 $3,285
USAA $1,967 $2,027 $2,117

Spruce Pine, AL Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spruce Pine, 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 $2,372 $2,235 $1,938 $2,073 $9,446 $10,554 $2,771 $2,939
State Farm $2,615 $2,615 $2,358 $2,358 $7,795 $9,768 $2,952 $3,401
Travelers $1,305 $1,324 $1,230 $1,225 $6,916 $10,834 $1,238 $1,410
USAA $1,274 $1,295 $1,187 $1,164 $3,761 $4,171 $1,657 $1,790

Spruce Pine, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Spruce Pine, 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 $9,446 $10,554
State Farm $7,795 $9,768
Travelers $6,916 $10,834
USAA $3,761 $4,171

Spruce Pine, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Spruce Pine, 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 $1,938 $2,073
State Farm $2,358 $2,358
Travelers $1,230 $1,225
USAA $1,187 $1,164

Spruce Pine, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Spruce Pine, 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 $4,862 $4,147 $3,863
State Farm $6,860 $3,475 $2,363
Travelers $3,474 $3,013 $3,069
USAA $2,744 $1,780 $1,588

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Spruce Pine, AL Car Insurance Rates by Driver History

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

Annual Spruce Pine, 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 $3,884 $4,858 $4,153 $4,268
State Farm $3,829 $4,727 $4,188 $4,188
Travelers $2,654 $2,785 $4,071 $3,232
USAA $1,568 $1,965 $2,921 $1,696

Spruce Pine, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Spruce Pine, 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 $4,153
State Farm $4,188
Travelers $4,071
USAA $2,921

Spruce Pine, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Spruce Pine, 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 $4,291 $4,291
State Farm $4,131 $4,334
Travelers $3,185 $3,185
USAA $1,944 $2,130

Spruce Pine, AL Cheapest Car Insurance Rates

How do the top Spruce Pine, Alabama car insurance companies’ average rates stack up against the Spruce Pine average monthly car insurance rates of $289? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Spruce Pine, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,000
GEICO $2,637
Liberty Mutual $4,966
Nationwide $2,705
Progressive $4,291
State Farm $4,233
Travelers $3,185
USAA $2,037

Spruce Pine, AL Car Insurance Quotes

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