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

  • The cheapest car insurance company in Watson after a DUI is USAA
  • Average car insurance rates in Watson, AL for senior drivers are $2,123/year
  • The cheapest car insurance company in Watson for teen drivers is USAA

Average car insurance rates in Watson, Alabama are $337 a month. But with a little research you can get a great deal from the top car insurance companies in Watson, AL. Before you buy Watson, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Watson, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Watson, Alabama

Insurance Company Low Medium High
Allstate $3,410 $3,535 $3,676
Farmers $4,537 $4,746 $5,147
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,363 $5,585 $5,884
Nationwide $2,858 $2,838 $2,897
Progressive $4,593 $5,089 $5,679
State Farm $5,324 $5,637 $5,967
Travelers $3,253 $3,500 $3,545
USAA $2,049 $2,112 $2,208

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Watson, 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 $2,109 $2,004 $1,913 $1,949 $7,520 $8,081 $2,349 $2,397
Farmers $2,724 $2,700 $2,432 $2,587 $10,701 $11,004 $3,105 $3,227
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,226 $3,482 $2,637 $2,948 $12,074 $13,422 $3,436 $3,659
Nationwide $1,850 $1,872 $1,686 $1,743 $4,989 $6,415 $2,059 $2,302
Progressive $2,757 $2,571 $2,261 $2,429 $11,509 $12,806 $3,220 $3,408
State Farm $3,391 $3,391 $3,089 $3,089 $10,624 $13,270 $3,840 $4,449
Travelers $1,367 $1,386 $1,292 $1,287 $7,515 $11,857 $1,297 $1,463
USAA $1,318 $1,336 $1,230 $1,202 $3,951 $4,378 $1,717 $1,850

Watson, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Watson, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,520 $8,081
Farmers $10,701 $11,004
GEICO $6,182 $6,096
Liberty Mutual $12,074 $13,422
Nationwide $4,989 $6,415
Progressive $11,509 $12,806
State Farm $10,624 $13,270
Travelers $7,515 $11,857
USAA $3,951 $4,378

Watson, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Watson, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,913 $1,949
Farmers $2,432 $2,587
GEICO $2,178 $2,261
Liberty Mutual $2,637 $2,948
Nationwide $1,686 $1,743
Progressive $2,261 $2,429
State Farm $3,089 $3,089
Travelers $1,292 $1,287
USAA $1,230 $1,202

Watson, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Watson, Alabama

Insurance Company Poor Fair Good
Allstate $4,363 $3,442 $2,816
Farmers $5,391 $4,642 $4,397
GEICO $4,135 $2,945 $2,664
Liberty Mutual $8,028 $4,935 $3,869
Nationwide $3,458 $2,696 $2,438
Progressive $5,765 $4,958 $4,637
State Farm $9,157 $4,630 $3,142
Travelers $3,738 $3,249 $3,312
USAA $2,854 $1,857 $1,657

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Watson, AL Car Insurance Rates by Driver History

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

Annual Watson, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,996 $3,544 $4,224 $3,397
Farmers $4,039 $5,239 $5,111 $4,851
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,394 $6,136 $5,985 $5,927
Nationwide $2,505 $2,505 $3,650 $2,797
Progressive $4,622 $5,829 $4,962 $5,067
State Farm $5,069 $6,345 $5,579 $5,579
Travelers $2,860 $2,999 $4,401 $3,472
USAA $1,632 $2,051 $3,043 $1,765

Watson, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Watson, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,224
Farmers $5,111
GEICO $4,396
Liberty Mutual $5,985
Nationwide $3,650
Progressive $4,962
State Farm $5,579
Travelers $4,401
USAA $3,043

Watson, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Watson, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,540 $3,540
Farmers $4,810 $4,810
GEICO $3,191 $3,305
Liberty Mutual $5,611 $5,611
Nationwide $2,864 $2,864
Progressive $5,120 $5,120
State Farm $5,506 $5,780
Travelers $3,433 $3,433
USAA $2,026 $2,220

Watson, AL Cheapest Car Insurance Rates

How do the top Watson, Alabama car insurance companies’ average rates stack up against the Watson average monthly car insurance rates of $337? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Watson, Alabama

Insurance Company Average Annual Rates
Allstate $3,540
Farmers $4,810
GEICO $3,248
Liberty Mutual $5,611
Nationwide $2,864
Progressive $5,120
State Farm $5,643
Travelers $3,433
USAA $2,123

Other Factors Affecting Watson, AL Car Insurance Rates

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

Watson, AL Traffic

Spending time in Watson traffic can lead to higher car insurance rates. According to INRIX data, Watson, AL ranks as the 704th-most congested with traffic in the world.

Watson, AL Car Insurance Quotes

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