Best Daphne, AL Car Insurance in 2025
Car insurance in Daphne, AL averages $304 a month. Daphne, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Daphne car insurance rates, compare quotes from the top car insurance companies in Daphne, AL.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated October 2024
- The cheapest ZIP code in Daphne is 36527
- The cheapest car insurance company in Daphne for teen drivers is USAA
- Average car insurance rates in Daphne, AL after a DUI are $4,157/year
If you need to buy Daphne, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Daphne, AL is right here.
You’ll find Daphne car insurance rates, the cheapest Daphne, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Daphne, Alabama car insurance rates to Tuscaloosa car insurance rates, Birmingham car insurance rates, and Mobile car insurance rates.
Ready to find affordable Daphne, AL car insurance today? Enter your ZIP code for fast, free Daphne car insurance quotes.
Cheapest Daphne, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Daphne, AL car insurance rates? Every Daphne, 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 | $1,944 | $1,848 | $1,762 | $1,795 | $6,914 | $7,444 | $2,168 | $2,213 |
| Farmers | $2,322 | $2,306 | $2,074 | $2,209 | $9,067 | $9,327 | $2,628 | $2,718 |
| Geico | $1,980 | $1,969 | $1,893 | $1,961 | $5,246 | $5,134 | $2,089 | $1,931 |
| Liberty Mutual | $3,172 | $3,424 | $2,595 | $2,904 | $11,797 | $13,118 | $3,375 | $3,589 |
| Nationwide | $1,625 | $1,642 | $1,486 | $1,534 | $4,274 | $5,478 | $1,801 | $2,006 |
| Progressive | $2,437 | $2,277 | $2,004 | $2,138 | $10,152 | $11,324 | $2,848 | $3,027 |
| State Farm | $2,681 | $2,681 | $2,442 | $2,442 | $8,321 | $10,409 | $3,034 | $3,500 |
| Travelers | $1,510 | $1,533 | $1,421 | $1,416 | $8,203 | $12,921 | $1,429 | $1,631 |
| USAA | $1,234 | $1,252 | $1,156 | $1,135 | $3,653 | $4,047 | $1,601 | $1,729 |
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Minimum Car Insurance in Daphne, AL
Every driver must carry the minimum car insurance required by the state in Daphne, 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 Daphne, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Daphne, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Daphne from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,020 | $3,170 | $2,593 |
| Farmers | $4,574 | $3,938 | $3,732 |
| Geico | $3,530 | $2,518 | $2,278 |
| Liberty Mutual | $7,860 | $4,836 | $3,795 |
| Nationwide | $2,987 | $2,338 | $2,118 |
| Progressive | $5,096 | $4,383 | $4,099 |
| State Farm | $7,197 | $3,643 | $2,476 |
| Travelers | $4,096 | $3,555 | $3,623 |
| USAA | $2,646 | $1,733 | $1,550 |
Cheapest Daphne, 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 Daphne, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,762 | $3,263 | $3,888 | $3,130 |
| Farmers | $3,436 | $4,447 | $4,339 | $4,103 |
| Geico | $1,865 | $3,014 | $3,740 | $2,481 |
| Liberty Mutual | $4,309 | $6,008 | $5,865 | $5,805 |
| Nationwide | $2,177 | $2,177 | $3,145 | $2,424 |
| Progressive | $4,076 | $5,142 | $4,413 | $4,472 |
| State Farm | $3,992 | $4,985 | $4,389 | $4,389 |
| Travelers | $3,129 | $3,282 | $4,812 | $3,809 |
| USAA | $1,522 | $1,910 | $2,826 | $1,646 |
Cheapest Daphne, AL Car Insurance for Teen Drivers
Teen car insurance in Daphne, AL can be expensive. Take a look at rates from the top car insurance companies in Daphne for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,914 | $7,444 |
| Farmers | $9,067 | $9,327 |
| Geico | $5,246 | $5,134 |
| Liberty Mutual | $11,797 | $13,118 |
| Nationwide | $4,274 | $5,478 |
| Progressive | $10,152 | $11,324 |
| State Farm | $8,321 | $10,409 |
| Travelers | $8,203 | $12,921 |
| USAA | $3,653 | $4,047 |
Cheapest Daphne, AL Car Insurance for Seniors
Take a look at Daphne, 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 | $1,762 | $1,795 |
| Farmers | $2,074 | $2,209 |
| Geico | $1,893 | $1,961 |
| Liberty Mutual | $2,595 | $2,904 |
| Nationwide | $1,486 | $1,534 |
| Progressive | $2,004 | $2,138 |
| State Farm | $2,442 | $2,442 |
| Travelers | $1,421 | $1,416 |
| USAA | $1,156 | $1,135 |
Cheapest Daphne, AL Car Insurance Rates After a DUI
A DUI in Daphne, AL increases car insurance rates. Compare Daphne, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,888 |
| Farmers | $4,339 |
| Geico | $3,740 |
| Liberty Mutual | $5,865 |
| Nationwide | $3,145 |
| Progressive | $4,413 |
| State Farm | $4,389 |
| Travelers | $4,812 |
| USAA | $2,826 |
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Cheapest Daphne, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Daphne, 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 | $3,261 | $3,261 |
| Farmers | $4,081 | $4,081 |
| Geico | $2,727 | $2,823 |
| Liberty Mutual | $5,497 | $5,497 |
| Nationwide | $2,481 | $2,481 |
| Progressive | $4,526 | $4,526 |
| State Farm | $4,330 | $4,548 |
| Travelers | $3,758 | $3,758 |
| USAA | $1,886 | $2,066 |
Cheapest Daphne, AL Car Insurance Rates by ZIP Code
Daphne car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Daphne, AL.
| ZIP Code | Average Annual Rates |
|---|---|
| 36526 | $3,767 |
| 36527 | $3,755 |
The Best Cheap Car Insurance Companies in Daphne, AL
Take a look at a side-by-side comparison of the top car insurance companies in Daphne, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,261 |
| Farmers | $4,081 |
| Geico | $2,775 |
| Liberty Mutual | $5,497 |
| Nationwide | $2,481 |
| Progressive | $4,526 |
| State Farm | $4,439 |
| Travelers | $3,758 |
| USAA | $1,976 |
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Category Winners: Cheapest Car Insurance in Daphne, Alabama
Find the cheapest car insurance companies in Daphne, 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 Daphne, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Daphne car insurance rates. Find the cheapest Daphne, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,154 | $3,257 | $3,372 |
| Farmers | $3,833 | $4,023 | $4,388 |
| Geico | $2,550 | $2,763 | $3,013 |
| Liberty Mutual | $5,248 | $5,471 | $5,771 |
| Nationwide | $2,452 | $2,462 | $2,528 |
| Progressive | $4,032 | $4,504 | $5,042 |
| State Farm | $4,177 | $4,434 | $4,705 |
| Travelers | $3,568 | $3,833 | $3,873 |
| USAA | $1,898 | $1,964 | $2,066 |
What affects car insurance rates in Daphne, Alabama?
What are the factors that affect car insurance rates in Daphne, AL? There are several reasons why Daphne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Daphne, Alabama.
Car Theft in Daphne
High levels of vehicle theft can make car insurance more expensive. Daphne, AL car theft statistics from the FBI indicate 17 vehicle thefts a year.
Commute Time in Daphne
The more time you spend in your car the higher the risk of an accident. The average commute length in Daphne, AL is 26.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Daphne, AL
Ready to find affordable Daphne, Alabama car insurance today? Enter your ZIP code for fast, free Daphne, AL car insurance quotes.
Frequently Asked Questions
How much does car insurance in Daphne, AL cost on average?
Car insurance in Daphne, AL averages $304 per month.
What are the car insurance requirements in Daphne, Alabama?
The minimum car insurance requirements in Daphne, AL are 25/50/25 (bodily injury liability per person/per accident/property damage liability).
How can I find cheap car insurance rates in Daphne, AL?
Compare quotes from top car insurance companies in Daphne, AL to find affordable rates.
How does my driving record affect car insurance rates?
A bad driving record generally leads to higher car insurance rates.
Are there affordable options for teen and senior drivers in Daphne, AL?
Comparing rates from different companies can help teenagers and seniors find affordable car insurance options.
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