Compare Florala, AL Car Insurance Rates [2024]
Car insurance in Florala, AL averages $284 a month. Florala, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Florala car insurance rates, compare quotes from the top car insurance companies in Florala, AL.
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Michelle Robbins
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...
Licensed Insurance Agent
UPDATED: May 13, 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: May 13, 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 Florala, AL after a DUI are $3,893/year
- Average car insurance rates in Florala, AL are $3,405/year
- The cheapest car insurance company in Florala is USAA
If you need to buy Florala, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Florala, AL is right here.
You’ll find Florala car insurance rates, the cheapest Florala, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Florala, Alabama car insurance rates to Tuscaloosa car insurance rates, Mobile car insurance rates, and Auburn car insurance rates.
Ready to find affordable Florala, AL car insurance today? Enter your ZIP code for fast, free Florala car insurance quotes.
Cheapest Florala, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Florala, AL car insurance rates? Every Florala, 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 | $1,899 | $1,826 | $1,702 | $1,737 | $6,215 | $6,674 | $2,166 | $2,228 |
| Farmers | $2,146 | $2,128 | $1,919 | $2,032 | $8,193 | $8,430 | $2,450 | $2,559 |
| Geico | $1,919 | $1,894 | $1,817 | $1,864 | $4,936 | $4,820 | $2,027 | $1,875 |
| Liberty Mutual | $3,114 | $3,367 | $2,558 | $2,861 | $11,026 | $12,259 | $3,323 | $3,548 |
| Nationwide | $1,674 | $1,696 | $1,527 | $1,581 | $4,358 | $5,617 | $1,856 | $2,074 |
| Progressive | $2,046 | $1,928 | $1,673 | $1,788 | $8,098 | $9,035 | $2,391 | $2,530 |
| State Farm | $2,511 | $2,511 | $2,248 | $2,248 | $7,251 | $9,105 | $2,828 | $3,249 |
| Travelers | $1,562 | $1,588 | $1,458 | $1,454 | $8,183 | $12,804 | $1,481 | $1,717 |
| 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 Florala, AL
Every driver must carry the minimum car insurance required by the state in Florala, 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 Florala, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Florala, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Florala from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,792 | $2,958 | $2,418 |
| Farmers | $4,184 | $3,601 | $3,412 |
| Geico | $3,361 | $2,399 | $2,171 |
| Liberty Mutual | $7,540 | $4,610 | $3,621 |
| Nationwide | $3,073 | $2,400 | $2,171 |
| Progressive | $4,181 | $3,562 | $3,316 |
| State Farm | $6,469 | $3,280 | $2,232 |
| Travelers | $4,127 | $3,574 | $3,641 |
| USAA | $2,616 | $1,700 | $1,517 |
Cheapest Florala, 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 Florala, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,629 | $3,074 | $3,580 | $2,940 |
| Farmers | $3,138 | $4,059 | $3,958 | $3,775 |
| Geico | $1,796 | $2,872 | $3,506 | $2,401 |
| Liberty Mutual | $4,124 | $5,732 | $5,620 | $5,552 |
| Nationwide | $2,231 | $2,231 | $3,241 | $2,489 |
| Progressive | $3,341 | $4,171 | $3,564 | $3,668 |
| State Farm | $3,628 | $4,440 | $3,953 | $3,953 |
| Travelers | $3,149 | $3,306 | $4,827 | $3,841 |
| USAA | $1,498 | $1,873 | $2,786 | $1,621 |
Cheapest Florala, AL Car Insurance for Teen Drivers
Teen car insurance in Florala, AL can be expensive. Take a look at rates from the top car insurance companies in Florala for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,215 | $6,674 |
| Farmers | $8,193 | $8,430 |
| Geico | $4,936 | $4,820 |
| Liberty Mutual | $11,026 | $12,259 |
| Nationwide | $4,358 | $5,617 |
| Progressive | $8,098 | $9,035 |
| State Farm | $7,251 | $9,105 |
| Travelers | $8,183 | $12,804 |
| USAA | $3,557 | $3,951 |
Cheapest Florala, AL Car Insurance for Seniors
Take a look at Florala, 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 | $1,737 |
| Farmers | $1,919 | $2,032 |
| Geico | $1,817 | $1,864 |
| Liberty Mutual | $2,558 | $2,861 |
| Nationwide | $1,527 | $1,581 |
| Progressive | $1,673 | $1,788 |
| State Farm | $2,248 | $2,248 |
| Travelers | $1,458 | $1,454 |
| USAA | $1,141 | $1,125 |
Cheapest Florala, AL Car Insurance Rates After a DUI
A DUI in Florala, AL increases car insurance rates. Compare Florala, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,580 |
| Farmers | $3,958 |
| Geico | $3,506 |
| Liberty Mutual | $5,620 |
| Nationwide | $3,241 |
| Progressive | $3,564 |
| State Farm | $3,953 |
| Travelers | $4,827 |
| USAA | $2,786 |
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Cheapest Florala, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Florala, 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 | $3,056 | $3,056 |
| Farmers | $3,732 | $3,732 |
| Geico | $2,594 | $2,694 |
| Liberty Mutual | $5,257 | $5,257 |
| Nationwide | $2,548 | $2,548 |
| Progressive | $3,686 | $3,686 |
| State Farm | $3,899 | $4,089 |
| Travelers | $3,781 | $3,781 |
| USAA | $1,856 | $2,033 |
The Best Cheap Car Insurance Companies in Florala, AL
Take a look at a side-by-side comparison of the top car insurance companies in Florala, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,056 |
| Farmers | $3,732 |
| Geico | $2,644 |
| Liberty Mutual | $5,257 |
| Nationwide | $2,548 |
| Progressive | $3,686 |
| State Farm | $3,994 |
| Travelers | $3,781 |
| USAA | $1,944 |
Category Winners: Cheapest Car Insurance in Florala, Alabama
Find the cheapest car insurance companies in Florala, 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 |
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Cheapest Florala, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Florala car insurance rates. Find the cheapest Florala, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,964 | $3,052 | $3,151 |
| Farmers | $3,546 | $3,690 | $3,960 |
| Geico | $2,433 | $2,631 | $2,867 |
| Liberty Mutual | $5,030 | $5,234 | $5,508 |
| Nationwide | $2,529 | $2,526 | $2,589 |
| Progressive | $3,324 | $3,663 | $4,071 |
| State Farm | $3,795 | $3,987 | $4,199 |
| Travelers | $3,617 | $3,856 | $3,869 |
| USAA | $1,874 | $1,934 | $2,025 |
What affects car insurance rates in Florala, Alabama?
What are the factors that affect car insurance rates in Florala, AL car insurance? There are several reasons why Florala car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Florala, Alabama.
Commute Time in Florala
The more time you spend in your car the higher the risk of an accident. The average commute length in Florala, AL is 22.9 minutes according to City-Data.
Compare Car Insurance Quotes in Florala, AL
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Frequently Asked Questions
How are car insurance rates determined in Florala, AL?
Car insurance rates in Florala, AL, are determined by various factors. These factors include your driving record, age, gender, credit history, the make and model of your vehicle, the coverage options you choose, your deductible amount, and the average number of miles you drive each year. Insurance companies also consider local factors such as the frequency of accidents and thefts in the Florala area.
Are car insurance rates higher in Florala, AL compared to other areas?
Car insurance rates can vary depending on multiple factors, so it’s challenging to make a general statement about rates in Florala, AL, compared to other areas. Insurance rates are influenced by various factors, including the local driving environment, the number of insurance claims in the area, state regulations, and the insurance market. Your personal driving profile and the coverage options you select also play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Florala, AL?
To find the best car insurance rates in Florala, AL, it’s recommended to shop around and compare quotes from different insurance providers. You can contact insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. When requesting quotes, provide accurate and consistent information to receive accurate rates for comparison.
What can I do to lower my car insurance rates in Florala, AL?
There are several strategies you can employ to potentially lower your car insurance rates in Florala, AL:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the state’s minimum requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Florala, AL?
When insuring a vehicle in Florala, AL, it’s important to consider local factors such as weather conditions, traffic patterns, and potential risks in the area. If you live in an area prone to severe weather events like hurricanes or floods, you may want to consider additional coverage to protect your vehicle against such risks. Understanding the specific insurance requirements and regulations in Alabama is essential to ensure you meet the minimum coverage requirements.
Are there any local insurance providers in Florala, AL?
Florala, AL, may have local insurance providers in addition to regional and national companies. Local providers may offer unique coverage options or have a better understanding of the local area and its specific insurance needs. It’s advisable to research and compare both local and national insurance providers to find the best coverage and rates for your vehicle in Florala, AL.
Should I consider specialized coverage for my vehicle in Florala, AL?
Whether or not you should consider specialized coverage for your vehicle in Florala, AL, depends on your individual circumstances. Factors such as the age and value of your vehicle, your driving habits, and your comfort level with assuming certain risks should be taken into consideration. Specialized coverage options such as comprehensive and collision insurance can provide additional protection beyond the mandatory liability coverage. Consulting with insurance providers can help determine the appropriate coverage for your vehicle in Florala, AL.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
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...
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.