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 Vernon, AL for senior drivers are $1,895/year
  • The cheapest car insurance company in Vernon for teen drivers is USAA
  • Average car insurance rates in Vernon, AL are $297/month

Average car insurance rates in Vernon, Alabama are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Vernon, AL. Before you buy Vernon, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Vernon, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Vernon, Alabama

Insurance Company Low Medium High
Allstate $3,160 $3,255 $3,365
Farmers $3,840 $4,000 $4,306
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,995 $5,186 $5,443
Nationwide $2,566 $2,535 $2,589
Progressive $3,733 $4,067 $4,458
State Farm $4,122 $4,305 $4,509
Travelers $3,592 $3,855 $3,892
USAA $2,066 $2,126 $2,217

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Vernon, 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 $1,981 $1,891 $1,785 $1,820 $6,792 $7,290 $2,232 $2,290
Farmers $2,342 $2,328 $2,096 $2,219 $8,848 $9,111 $2,665 $2,783
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $3,075 $3,324 $2,521 $2,817 $10,950 $12,175 $3,287 $3,514
Nationwide $1,701 $1,729 $1,544 $1,607 $4,316 $5,612 $1,882 $2,113
Progressive $2,263 $2,147 $1,852 $1,961 $8,929 $10,010 $2,666 $2,861
State Farm $2,751 $2,751 $2,444 $2,444 $7,731 $9,724 $3,094 $3,554
Travelers $1,544 $1,570 $1,443 $1,440 $8,192 $12,899 $1,462 $1,688
USAA $1,331 $1,354 $1,239 $1,215 $3,950 $4,385 $1,737 $1,877

Vernon, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Vernon, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,792 $7,290
Farmers $8,848 $9,111
GEICO $4,918 $4,831
Liberty Mutual $10,950 $12,175
Nationwide $4,316 $5,612
Progressive $8,929 $10,010
State Farm $7,731 $9,724
Travelers $8,192 $12,899
USAA $3,950 $4,385

Vernon, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Vernon, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,785 $1,820
Farmers $2,096 $2,219
GEICO $1,804 $1,850
Liberty Mutual $2,521 $2,817
Nationwide $1,544 $1,607
Progressive $1,852 $1,961
State Farm $2,444 $2,444
Travelers $1,443 $1,440
USAA $1,239 $1,215

Vernon, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Vernon, Alabama

Insurance Company Poor Fair Good
Allstate $4,030 $3,162 $2,588
Farmers $4,543 $3,903 $3,701
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,468 $4,567 $3,588
Nationwide $3,099 $2,411 $2,179
Progressive $4,640 $3,946 $3,673
State Farm $6,989 $3,540 $2,406
Travelers $4,124 $3,573 $3,641
USAA $2,881 $1,865 $1,663

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Vernon, AL Car Insurance Rates by Driver History

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

Annual Vernon, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,777 $3,266 $3,865 $3,133
Farmers $3,409 $4,401 $4,293 $4,093
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $4,085 $5,680 $5,566 $5,500
Nationwide $2,238 $2,238 $3,273 $2,503
Progressive $3,709 $4,622 $3,940 $4,073
State Farm $3,933 $4,775 $4,270 $4,270
Travelers $3,149 $3,306 $4,825 $3,838
USAA $1,642 $2,059 $3,067 $1,777

Vernon, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Vernon, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,865
Farmers $4,293
GEICO $3,504
Liberty Mutual $5,566
Nationwide $3,273
Progressive $3,940
State Farm $4,270
Travelers $4,825
USAA $3,067

Vernon, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Vernon, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,260 $3,260
Farmers $4,049 $4,049
GEICO $2,587 $2,686
Liberty Mutual $5,208 $5,208
Nationwide $2,563 $2,563
Progressive $4,086 $4,086
State Farm $4,211 $4,412
Travelers $3,780 $3,780
USAA $2,038 $2,234

Vernon, AL Cheapest Car Insurance Rates

How do the top Vernon, Alabama car insurance companies’ average rates stack up against the Vernon average monthly car insurance rates of $297? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Vernon, Alabama

Insurance Company Average Annual Rates
Allstate $3,260
Farmers $4,049
GEICO $2,637
Liberty Mutual $5,208
Nationwide $2,563
Progressive $4,086
State Farm $4,312
Travelers $3,780
USAA $2,136

Other Factors Affecting Vernon, AL Car Insurance Rates

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

Vernon, AL Commute Time

How does your Vernon, AL commute time compare with the average driver? In Vernon, the average commute is 20.3 minutes.

Vernon, AL Car Insurance Quotes

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