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 Valley, AL are $306/month
  • The annual number of car thefts in Valley is 38.
  • The cheapest car insurance company in Valley for teen drivers is USAA

Average car insurance rates in Valley, Alabama are $306 a month. But with a little research you can get a great deal from the top car insurance companies in Valley, AL. Before you buy Valley, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Valley, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Valley, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $4,139 $4,302 $4,613
GEICO $2,736 $2,929 $3,159
Liberty Mutual $4,981 $5,194 $5,479
Nationwide $2,607 $2,586 $2,642
Progressive $3,694 $4,063 $4,488
State Farm $4,366 $4,616 $4,882
Travelers $3,728 $4,021 $4,076
USAA $2,136 $2,203 $2,304

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Valley, 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 $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,128 $2,108 $1,997 $2,040 $5,489 $5,415 $2,246 $2,105
Liberty Mutual $3,048 $3,293 $2,497 $2,794 $11,076 $12,321 $3,250 $3,465
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,232 $2,104 $1,832 $1,944 $9,023 $10,091 $2,622 $2,803
State Farm $2,851 $2,851 $2,573 $2,573 $8,515 $10,689 $3,219 $3,696
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,377 $1,398 $1,285 $1,259 $4,109 $4,556 $1,794 $1,938

Valley, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Valley, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $9,410 $9,698
GEICO $5,489 $5,415
Liberty Mutual $11,076 $12,321
Nationwide $4,446 $5,755
Progressive $9,023 $10,091
State Farm $8,515 $10,689
Travelers $8,574 $13,577
USAA $4,109 $4,556

Valley, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Valley, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,283 $2,410
GEICO $1,997 $2,040
Liberty Mutual $2,497 $2,794
Nationwide $1,564 $1,624
Progressive $1,832 $1,944
State Farm $2,573 $2,573
Travelers $1,484 $1,481
USAA $1,285 $1,259

Valley, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Valley, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,887 $4,192 $3,976
GEICO $3,742 $2,668 $2,413
Liberty Mutual $7,473 $4,582 $3,598
Nationwide $3,155 $2,458 $2,223
Progressive $4,617 $3,946 $3,681
State Farm $7,495 $3,792 $2,575
Travelers $4,298 $3,727 $3,800
USAA $2,977 $1,937 $1,729

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Valley, AL Car Insurance Rates by Driver History

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

Annual Valley, 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 $3,669 $4,724 $4,608 $4,404
GEICO $1,999 $3,186 $3,902 $2,678
Liberty Mutual $4,093 $5,695 $5,572 $5,511
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,692 $4,625 $3,956 $4,052
State Farm $4,179 $5,161 $4,572 $4,572
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,702 $2,137 $3,177 $1,842

Valley, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Valley, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,608
GEICO $3,902
Liberty Mutual $5,572
Nationwide $3,331
Progressive $3,956
State Farm $4,572
Travelers $5,038
USAA $3,177

Valley, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Valley, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,352 $4,352
GEICO $2,886 $2,996
Liberty Mutual $5,218 $5,218
Nationwide $2,612 $2,612
Progressive $4,081 $4,081
State Farm $4,508 $4,734
Travelers $3,941 $3,941
USAA $2,113 $2,316

Valley, AL Cheapest Car Insurance Rates

How do the top Valley, Alabama car insurance companies’ average rates stack up against the Valley average monthly car insurance rates of $306? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Valley, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,352
GEICO $2,941
Liberty Mutual $5,218
Nationwide $2,612
Progressive $4,081
State Farm $4,621
Travelers $3,941
USAA $2,214

Other Factors Affecting Valley, AL Car Insurance Rates

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

Valley, AL Car Theft Rates

The car theft rate in Valley, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Valley, Alabama is 38 stolen cars.

Valley, AL Commute Time

How does your Valley, AL commute time compare with the average driver? In Valley, the average commute is 22.7 minutes.

Valley, AL Car Insurance Quotes

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