Best Andalusia, AL Car Insurance in 2024
Car insurance in Andalusia, AL averages $285 a month. Andalusia, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Andalusia car insurance rates, compare quotes from the top car insurance companies in Andalusia, AL.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Oct 24, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Andalusia, AL after a DUI are $3,895/year
- The cheapest car insurance company in Andalusia is USAA
- The cheapest car insurance company in Andalusia for teen drivers is USAA
If you need to buy Andalusia, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Andalusia, AL is right here.
You’ll find Andalusia car insurance rates, the cheapest Andalusia, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Andalusia, Alabama car insurance rates to Montgomery car insurance rates, Auburn car insurance rates, and Madison car insurance rates.
Ready to find affordable Andalusia, AL car insurance today? Enter your ZIP code for fast, free Andalusia car insurance quotes.
Cheapest Andalusia, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Andalusia, AL car insurance rates? Every Andalusia, Alabama car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $1,900 | $1,826 | $1,702 | $1,738 | $6,218 | $6,677 | $2,167 | $2,229 |
| Farmers | $2,170 | $2,154 | $1,940 | $2,057 | $8,324 | $8,565 | $2,472 | $2,577 |
| Geico | $2,044 | $2,012 | $1,906 | $1,935 | $5,184 | $5,101 | $2,159 | $2,021 |
| Liberty Mutual | $3,090 | $3,341 | $2,539 | $2,838 | $10,919 | $12,137 | $3,299 | $3,523 |
| Nationwide | $1,674 | $1,696 | $1,527 | $1,581 | $4,358 | $5,617 | $1,856 | $2,074 |
| Progressive | $2,142 | $2,022 | $1,753 | $1,865 | $8,567 | $9,576 | $2,516 | $2,686 |
| State Farm | $2,524 | $2,524 | $2,265 | $2,265 | $7,367 | $9,241 | $2,844 | $3,274 |
| Travelers | $1,440 | $1,464 | $1,346 | $1,342 | $7,516 | $11,764 | $1,367 | $1,579 |
| USAA | $1,223 | $1,247 | $1,141 | $1,125 | $3,557 | $3,951 | $1,589 | $1,721 |
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Minimum Car Insurance in Andalusia, AL
Every driver must carry the minimum car insurance required by the state in Andalusia, AL. Take a look at the Alabama car insurance requirements.
| 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 |
Cheapest Andalusia, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Andalusia, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Andalusia from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,794 | $2,959 | $2,419 |
| Farmers | $4,242 | $3,648 | $3,457 |
| Geico | $3,556 | $2,536 | $2,295 |
| Liberty Mutual | $7,475 | $4,569 | $3,589 |
| Nationwide | $3,073 | $2,400 | $2,171 |
| Progressive | $4,409 | $3,760 | $3,503 |
| State Farm | $6,541 | $3,316 | $2,256 |
| Travelers | $3,795 | $3,288 | $3,348 |
| USAA | $2,616 | $1,700 | $1,517 |
Cheapest Andalusia, AL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Andalusia, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,630 | $3,075 | $3,581 | $2,941 |
| Farmers | $3,181 | $4,115 | $4,013 | $3,821 |
| Geico | $1,911 | $3,033 | $3,672 | $2,566 |
| Liberty Mutual | $4,088 | $5,681 | $5,571 | $5,503 |
| Nationwide | $2,231 | $2,231 | $3,241 | $2,489 |
| Progressive | $3,528 | $4,408 | $3,756 | $3,872 |
| State Farm | $3,663 | $4,496 | $3,996 | $3,996 |
| Travelers | $2,898 | $3,042 | $4,436 | $3,532 |
| USAA | $1,498 | $1,873 | $2,786 | $1,621 |
Cheapest Andalusia, AL Car Insurance for Teen Drivers
Teen car insurance in Andalusia, AL can be expensive. Take a look at rates from the top car insurance companies in Andalusia for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,218 | $6,677 |
| Farmers | $8,324 | $8,565 |
| Geico | $5,184 | $5,101 |
| Liberty Mutual | $10,919 | $12,137 |
| Nationwide | $4,358 | $5,617 |
| Progressive | $8,567 | $9,576 |
| State Farm | $7,367 | $9,241 |
| Travelers | $7,516 | $11,764 |
| USAA | $3,557 | $3,951 |
Cheapest Andalusia, AL Car Insurance for Seniors
Take a look at Andalusia, AL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,702 | $1,738 |
| Farmers | $1,940 | $2,057 |
| Geico | $1,906 | $1,935 |
| Liberty Mutual | $2,539 | $2,838 |
| Nationwide | $1,527 | $1,581 |
| Progressive | $1,753 | $1,865 |
| State Farm | $2,265 | $2,265 |
| Travelers | $1,346 | $1,342 |
| USAA | $1,141 | $1,125 |
Cheapest Andalusia, AL Car Insurance Rates After a DUI
A DUI in Andalusia, AL increases car insurance rates. Compare Andalusia, Alabama car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,581 |
| Farmers | $4,013 |
| Geico | $3,672 |
| Liberty Mutual | $5,571 |
| Nationwide | $3,241 |
| Progressive | $3,756 |
| State Farm | $3,996 |
| Travelers | $4,436 |
| USAA | $2,786 |
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Cheapest Andalusia, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Andalusia, AL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,057 | $3,057 |
| Farmers | $3,782 | $3,782 |
| Geico | $2,741 | $2,850 |
| Liberty Mutual | $5,211 | $5,211 |
| Nationwide | $2,548 | $2,548 |
| Progressive | $3,891 | $3,891 |
| State Farm | $3,942 | $4,134 |
| Travelers | $3,477 | $3,477 |
| USAA | $1,856 | $2,033 |
Cheapest Andalusia, AL Car Insurance Rates by ZIP Code
Andalusia car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Andalusia, AL.
| ZIP Code | Average Annual Rates |
|---|---|
| 36420 | $3,482 |
| 36421 | $3,505 |
The Best Cheap Car Insurance Companies in Andalusia, AL
Take a look at a side-by-side comparison of the top car insurance companies in Andalusia, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,057 |
| Farmers | $3,782 |
| Geico | $2,795 |
| Liberty Mutual | $5,211 |
| Nationwide | $2,548 |
| Progressive | $3,891 |
| State Farm | $4,038 |
| Travelers | $3,477 |
| USAA | $1,944 |
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Category Winners: Cheapest Car Insurance in Andalusia, Alabama
Find the cheapest car insurance companies in Andalusia, AL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Andalusia, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Andalusia car insurance rates. Find the cheapest Andalusia, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,966 | $3,053 | $3,153 |
| Farmers | $3,582 | $3,736 | $4,030 |
| Geico | $2,604 | $2,783 | $2,999 |
| Liberty Mutual | $4,991 | $5,188 | $5,454 |
| Nationwide | $2,529 | $2,526 | $2,589 |
| Progressive | $3,539 | $3,871 | $4,263 |
| State Farm | $3,836 | $4,031 | $4,247 |
| Travelers | $3,318 | $3,546 | $3,567 |
| USAA | $1,874 | $1,934 | $2,025 |
What affects car insurance rates in Andalusia, Alabama?
What are the factors that affect car insurance rates in Andalusia, AL? There are several reasons why Andalusia car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Andalusia, Alabama.
Car Theft in Andalusia
High levels of vehicle theft can make car insurance more expensive. Andalusia, AL car theft statistics from the FBI indicate 23 vehicle thefts a year.
Commute Time in Andalusia
The more time you spend in your car the higher the risk of an accident. The average commute length in Andalusia, AL is 17.3 minutes according to City-Data.
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Compare Car Insurance Quotes in Andalusia, AL
Ready to find affordable Andalusia, Alabama car insurance today? Enter your ZIP code for fast, free Andalusia, AL car insurance quotes.
Frequently Asked Questions
How can I compare car insurance options in Andalusia, AL?
To compare car insurance options in Andalusia, AL, you can follow these steps:
- Assess your coverage needs: Determine the types and levels of coverage required for your vehicle based on factors like the age of your car, your driving habits, and your budget.
- Obtain multiple quotes: Collect quotes from different insurance providers in Andalusia, AL. You can reach out to insurance agents directly or use online comparison tools.
- Compare coverage and premiums: Evaluate the coverage options and premiums offered by each insurer. Consider factors such as deductibles, limits, and any additional features or benefits.
- Consider additional factors: Take into account customer reviews, the financial stability of the insurance company, available discounts, and the quality of customer service.
- Make an informed decision: Choose the car insurance policy that best suits your needs and budget.
What factors should I consider when comparing car insurance in Andalusia, AL?
When comparing car insurance in Andalusia, AL, consider the following factors:
- Coverage options: Evaluate the types of coverage available, such as liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection.
- Premiums: Compare the premiums quoted by different insurers for similar coverage. Be sure to consider any discounts or incentives that may apply.
- Deductibles: Consider the deductible amounts and how they impact your premiums. Higher deductibles typically result in lower premiums but require more out-of-pocket expenses in the event of a claim.
- Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features installed in your vehicle.
- Customer reviews and reputation: Read reviews and ratings from other policyholders to gauge the customer service and claims handling of the insurance companies.
- Financial stability: Check the financial ratings of insurance companies from reputable sources to ensure they are financially stable and capable of fulfilling claims.
Are there any specific car insurance requirements in Andalusia, AL?
Yes, Alabama has specific car insurance requirements that apply to Andalusia as well. Drivers in Alabama must carry the following minimum coverage:
- Liability Insurance: Minimum limits of 25/50/25, which means $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.
Can I get discounts on car insurance in Andalusia, AL?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Andalusia, AL. Some common discounts include:
- Good driver discount: Offered to drivers with a clean driving record and no at-fault accidents.
- Multi-policy discount: Available when you bundle multiple insurance policies, such as auto and home insurance, with the same provider.
- Good student discount: Offered to students who maintain good grades.
- Safety feature discount: Provided for vehicles equipped with anti-theft devices, airbags, or other safety features.
- Low mileage discount: Offered to drivers who don’t drive their vehicles frequently.
How can I lower my car insurance premiums in Andalusia, AL?
To lower your car insurance premiums in Andalusia, AL, consider the following:
- Shop around: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Increase deductibles: Opting for a higher deductible can lower your premiums. However, ensure you can afford to pay the deductible in case of a claim.
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record, as this can lead to lower premiums.
- Take advantage of discounts: Inquire about available discounts and see if you qualify for any. This can significantly reduce your premiums.
- Bundle insurance policies: Consider bundling your auto insurance with other policies, such as home or renters insurance, to potentially receive a multi-policy discount.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.