Best Opelika, AL Car Insurance in 2024
Car insurance in Opelika, AL averages $290 a month. Opelika, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Opelika car insurance rates, compare quotes from the top car insurance companies in Opelika, AL.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
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
- The cheapest car insurance company in Opelika is USAA
- The cheapest car insurance company in Opelika for teen drivers is USAA
- Average car insurance rates in Opelika, AL after a DUI are $3,969/year
If you need to buy Opelika, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Opelika, AL is right here.
You’ll find Opelika car insurance rates, the cheapest Opelika, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Opelika, Alabama car insurance rates to Tuscaloosa car insurance rates, Auburn car insurance rates, and Hoover car insurance rates.
Ready to find affordable Opelika, AL car insurance today? Enter your ZIP code for fast, free Opelika car insurance quotes.
Cheapest Opelika, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Opelika, AL car insurance rates? Every Opelika, 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 | $1,855 | $1,773 | $1,676 | $1,709 | $6,357 | $6,831 | $2,085 | $2,133 |
| Farmers | $2,200 | $2,184 | $1,966 | $2,088 | $8,468 | $8,714 | $2,497 | $2,595 |
| Geico | $2,007 | $1,985 | $1,897 | $1,951 | $5,231 | $5,122 | $2,121 | $1,968 |
| Liberty Mutual | $2,973 | $3,214 | $2,439 | $2,731 | $10,754 | $11,965 | $3,168 | $3,375 |
| Nationwide | $1,670 | $1,691 | $1,522 | $1,577 | $4,321 | $5,576 | $1,850 | $2,068 |
| Progressive | $2,272 | $2,123 | $1,868 | $1,998 | $9,384 | $10,450 | $2,651 | $2,801 |
| State Farm | $2,714 | $2,714 | $2,460 | $2,460 | $8,255 | $10,344 | $3,067 | $3,530 |
| Travelers | $1,330 | $1,350 | $1,247 | $1,243 | $6,967 | $10,922 | $1,263 | $1,448 |
| USAA | $1,338 | $1,358 | $1,250 | $1,224 | $3,994 | $4,426 | $1,742 | $1,881 |
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Minimum Car Insurance in Opelika, AL
Every driver must carry the minimum car insurance required by the state in Opelika, 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 Opelika, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Opelika, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Opelika from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,775 | $2,961 | $2,421 |
| Farmers | $4,304 | $3,703 | $3,510 |
| Geico | $3,543 | $2,527 | $2,286 |
| Liberty Mutual | $7,269 | $4,459 | $3,504 |
| Nationwide | $3,056 | $2,387 | $2,160 |
| Progressive | $4,726 | $4,060 | $3,794 |
| State Farm | $7,204 | $3,647 | $2,478 |
| Travelers | $3,515 | $3,046 | $3,103 |
| USAA | $2,891 | $1,883 | $1,681 |
Cheapest Opelika, 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 Opelika, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,604 | $3,062 | $3,610 | $2,933 |
| Farmers | $3,231 | $4,178 | $4,076 | $3,870 |
| Geico | $1,885 | $3,026 | $3,713 | $2,517 |
| Liberty Mutual | $3,986 | $5,539 | $5,423 | $5,362 |
| Nationwide | $2,219 | $2,219 | $3,225 | $2,475 |
| Progressive | $3,780 | $4,761 | $4,086 | $4,147 |
| State Farm | $4,007 | $4,975 | $4,395 | $4,395 |
| Travelers | $2,686 | $2,819 | $4,110 | $3,270 |
| USAA | $1,655 | $2,077 | $3,085 | $1,790 |
Cheapest Opelika, AL Car Insurance for Teen Drivers
Teen car insurance in Opelika, AL can be expensive. Take a look at rates from the top car insurance companies in Opelika for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,357 | $6,831 |
| Farmers | $8,468 | $8,714 |
| Geico | $5,231 | $5,122 |
| Liberty Mutual | $10,754 | $11,965 |
| Nationwide | $4,321 | $5,576 |
| Progressive | $9,384 | $10,450 |
| State Farm | $8,255 | $10,344 |
| Travelers | $6,967 | $10,922 |
| USAA | $3,994 | $4,426 |
Cheapest Opelika, AL Car Insurance for Seniors
Take a look at Opelika, 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 | $1,676 | $1,709 |
| Farmers | $1,966 | $2,088 |
| Geico | $1,897 | $1,951 |
| Liberty Mutual | $2,439 | $2,731 |
| Nationwide | $1,522 | $1,577 |
| Progressive | $1,868 | $1,998 |
| State Farm | $2,460 | $2,460 |
| Travelers | $1,247 | $1,243 |
| USAA | $1,250 | $1,224 |
Cheapest Opelika, AL Car Insurance Rates After a DUI
A DUI in Opelika, AL increases car insurance rates. Compare Opelika, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,610 |
| Farmers | $4,076 |
| Geico | $3,713 |
| Liberty Mutual | $5,423 |
| Nationwide | $3,225 |
| Progressive | $4,086 |
| State Farm | $4,395 |
| Travelers | $4,110 |
| USAA | $3,085 |
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Cheapest Opelika, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Opelika, 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 | $3,052 | $3,052 |
| Farmers | $3,839 | $3,839 |
| Geico | $2,734 | $2,836 |
| Liberty Mutual | $5,077 | $5,077 |
| Nationwide | $2,534 | $2,534 |
| Progressive | $4,193 | $4,193 |
| State Farm | $4,334 | $4,552 |
| Travelers | $3,221 | $3,221 |
| USAA | $2,053 | $2,250 |
Cheapest Opelika, AL Car Insurance Rates by ZIP Code
Opelika car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Opelika, AL.
| ZIP Code | Average Annual Rates |
|---|---|
| 36801 | $3,540 |
| 36804 | $3,582 |
The Best Cheap Car Insurance Companies in Opelika, AL
Take a look at a side-by-side comparison of the top car insurance companies in Opelika, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,052 |
| Farmers | $3,839 |
| Geico | $2,785 |
| Liberty Mutual | $5,077 |
| Nationwide | $2,534 |
| Progressive | $4,193 |
| State Farm | $4,443 |
| Travelers | $3,221 |
| USAA | $2,152 |
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Category Winners: Cheapest Car Insurance in Opelika, Alabama
Find the cheapest car insurance companies in Opelika, 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 Opelika, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Opelika car insurance rates. Find the cheapest Opelika, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,949 | $3,048 | $3,160 |
| Farmers | $3,623 | $3,789 | $4,105 |
| Geico | $2,572 | $2,773 | $3,010 |
| Liberty Mutual | $4,841 | $5,053 | $5,339 |
| Nationwide | $2,517 | $2,512 | $2,574 |
| Progressive | $3,736 | $4,170 | $4,675 |
| State Farm | $4,189 | $4,438 | $4,702 |
| Travelers | $3,060 | $3,285 | $3,318 |
| USAA | $2,075 | $2,140 | $2,240 |
What affects car insurance rates in Opelika, Alabama?
What are the factors that affect car insurance rates in Opelika, AL? There are several reasons why Opelika car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Opelika, Alabama.
Car Theft in Opelika
High levels of vehicle theft can make car insurance more expensive. Opelika, AL car theft statistics from the FBI indicate 80 vehicle thefts a year.
Commute Time in Opelika
The more time you spend in your car the higher the risk of an accident. The average commute length in Opelika, AL is 19.6 minutes according to City-Data.
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Compare Car Insurance Quotes in Opelika, AL
Ready to find affordable Opelika, Alabama car insurance today? Enter your ZIP code for fast, free Opelika, AL car insurance quotes.
Frequently Asked Questions
How much does car insurance cost for teen drivers in Opelika, AL?
Car insurance rates for teen drivers in Opelika, AL tend to be higher due to their lack of driving experience. The specific cost will depend on various factors, such as the insurance company and the teen’s gender. Comparing quotes from different insurers can help find the most affordable rates for teen drivers.
How does driving record affect car insurance rates in Opelika, AL?
Your driving record is a significant factor in determining car insurance rates in Opelika, AL. Having a clean driving record typically results in lower premiums, while accidents, DUIs, and speeding violations may lead to higher rates. Comparing quotes from multiple companies can help you find the most affordable option for your driving history.
How does credit score affect car insurance rates in Opelika, AL?
Your credit score can impact car insurance rates in Opelika, AL. Generally, individuals with good credit may be eligible for lower insurance premiums. It’s recommended to compare rates from various companies to find the best rates available for your credit score range.
What is the minimum car insurance coverage required in Opelika, AL?
The minimum car insurance coverage required in Opelika, AL includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How do age, gender, and marital status affect car insurance rates in Opelika, AL?
Car insurance companies in Opelika, AL consider age, gender, and marital status when determining insurance rates. Rates may vary depending on these factors, as different companies weigh them differently. It’s best to compare rates from multiple companies to find the most affordable option for your specific profile.
What are the car insurance requirements in Opelika, Alabama?
The car insurance requirements in Opelika, Alabama are 25/50/25, which means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
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.