Compare Fort Payne, AL Car Insurance Rates [2024]
Car insurance in Fort Payne, AL averages $293 a month. Fort Payne, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fort Payne car insurance rates, compare quotes from the top car insurance companies in Fort Payne, 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: 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
- The cheapest car insurance company in Fort Payne is USAA
- Average car insurance rates in Fort Payne, AL after a DUI are $4,012/year
- The cheapest car insurance company in Fort Payne for teen drivers is USAA
If you need to buy Fort Payne, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Fort Payne, AL is right here.
You’ll find Fort Payne car insurance rates, the cheapest Fort Payne, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Fort Payne, Alabama car insurance rates to Madison car insurance rates, Decatur car insurance rates, and Tuscaloosa car insurance rates.
Ready to find affordable Fort Payne, AL car insurance today? Enter your ZIP code for fast, free Fort Payne car insurance quotes.
Cheapest Fort Payne, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Fort Payne, AL car insurance rates? Every Fort Payne, 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 | $1,870 | $1,787 | $1,690 | $1,722 | $6,354 | $6,829 | $2,100 | $2,151 |
| Farmers | $2,254 | $2,237 | $2,016 | $2,134 | $8,577 | $8,828 | $2,572 | $2,690 |
| Geico | $2,034 | $2,021 | $1,927 | $1,978 | $5,284 | $5,207 | $2,142 | $2,000 |
| Liberty Mutual | $3,136 | $3,389 | $2,566 | $2,870 | $11,371 | $12,648 | $3,350 | $3,578 |
| Nationwide | $1,667 | $1,687 | $1,523 | $1,574 | $4,394 | $5,642 | $1,850 | $2,063 |
| Progressive | $2,173 | $2,044 | $1,778 | $1,898 | $8,825 | $9,857 | $2,547 | $2,717 |
| State Farm | $2,573 | $2,573 | $2,329 | $2,329 | $7,813 | $9,769 | $2,907 | $3,362 |
| Travelers | $1,520 | $1,544 | $1,426 | $1,420 | $8,098 | $12,710 | $1,439 | $1,654 |
| USAA | $1,231 | $1,250 | $1,149 | $1,126 | $3,657 | $4,056 | $1,603 | $1,729 |
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Minimum Car Insurance in Fort Payne, AL
Every driver must carry the minimum car insurance required by the state in Fort Payne, 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 Fort Payne, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Fort Payne, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Fort Payne from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,790 | $2,969 | $2,428 |
| Farmers | $4,390 | $3,774 | $3,577 |
| Geico | $3,592 | $2,562 | $2,318 |
| Liberty Mutual | $7,687 | $4,707 | $3,696 |
| Nationwide | $3,075 | $2,402 | $2,174 |
| Progressive | $4,501 | $3,849 | $3,590 |
| State Farm | $6,818 | $3,454 | $2,349 |
| Travelers | $4,065 | $3,524 | $3,590 |
| USAA | $2,655 | $1,728 | $1,543 |
Cheapest Fort Payne, 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 Fort Payne, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,614 | $3,068 | $3,624 | $2,944 |
| Farmers | $3,291 | $4,254 | $4,149 | $3,960 |
| Geico | $1,912 | $3,060 | $3,769 | $2,555 |
| Liberty Mutual | $4,206 | $5,854 | $5,729 | $5,665 |
| Nationwide | $2,236 | $2,236 | $3,238 | $2,491 |
| Progressive | $3,604 | $4,517 | $3,846 | $3,954 |
| State Farm | $3,795 | $4,710 | $4,161 | $4,161 |
| Travelers | $3,102 | $3,256 | $4,764 | $3,783 |
| USAA | $1,520 | $1,908 | $2,828 | $1,644 |
Cheapest Fort Payne, AL Car Insurance for Teen Drivers
Teen car insurance in Fort Payne, AL can be expensive. Take a look at rates from the top car insurance companies in Fort Payne for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,354 | $6,829 |
| Farmers | $8,577 | $8,828 |
| Geico | $5,284 | $5,207 |
| Liberty Mutual | $11,371 | $12,648 |
| Nationwide | $4,394 | $5,642 |
| Progressive | $8,825 | $9,857 |
| State Farm | $7,813 | $9,769 |
| Travelers | $8,098 | $12,710 |
| USAA | $3,657 | $4,056 |
Cheapest Fort Payne, AL Car Insurance for Seniors
Take a look at Fort Payne, 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 | $1,690 | $1,722 |
| Farmers | $2,016 | $2,134 |
| Geico | $1,927 | $1,978 |
| Liberty Mutual | $2,566 | $2,870 |
| Nationwide | $1,523 | $1,574 |
| Progressive | $1,778 | $1,898 |
| State Farm | $2,329 | $2,329 |
| Travelers | $1,426 | $1,420 |
| USAA | $1,149 | $1,126 |
Cheapest Fort Payne, AL Car Insurance Rates After a DUI
A DUI in Fort Payne, AL increases car insurance rates. Compare Fort Payne, Alabama car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,624 |
| Farmers | $4,149 |
| Geico | $3,769 |
| Liberty Mutual | $5,729 |
| Nationwide | $3,238 |
| Progressive | $3,846 |
| State Farm | $4,161 |
| Travelers | $4,764 |
| USAA | $2,828 |
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Cheapest Fort Payne, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Fort Payne, 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 | $3,063 | $3,063 |
| Farmers | $3,913 | $3,913 |
| Geico | $2,773 | $2,875 |
| Liberty Mutual | $5,363 | $5,363 |
| Nationwide | $2,550 | $2,550 |
| Progressive | $3,980 | $3,980 |
| State Farm | $4,106 | $4,307 |
| Travelers | $3,727 | $3,727 |
| USAA | $1,885 | $2,065 |
Cheapest Fort Payne, AL Car Insurance Rates by ZIP Code
Fort Payne car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fort Payne, AL.
| ZIP Code | Average Annual Rates |
|---|---|
| 35967 | $3,592 |
| 35968 | $3,620 |
The Best Cheap Car Insurance Companies in Fort Payne, AL
Take a look at a side-by-side comparison of the top car insurance companies in Fort Payne, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,063 |
| Farmers | $3,913 |
| Geico | $2,824 |
| Liberty Mutual | $5,363 |
| Nationwide | $2,550 |
| Progressive | $3,980 |
| State Farm | $4,207 |
| Travelers | $3,727 |
| USAA | $1,975 |
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Category Winners: Cheapest Car Insurance in Fort Payne, Alabama
Find the cheapest car insurance companies in Fort Payne, 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 Fort Payne, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Fort Payne car insurance rates. Find the cheapest Fort Payne, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,965 | $3,057 | $3,166 |
| Farmers | $3,717 | $3,868 | $4,156 |
| Geico | $2,613 | $2,811 | $3,048 |
| Liberty Mutual | $5,132 | $5,339 | $5,619 |
| Nationwide | $2,532 | $2,529 | $2,590 |
| Progressive | $3,598 | $3,958 | $4,383 |
| State Farm | $3,982 | $4,201 | $4,437 |
| Travelers | $3,546 | $3,801 | $3,832 |
| USAA | $1,905 | $1,965 | $2,056 |
What affects car insurance rates in Fort Payne, Alabama?
What are the factors that affect car insurance rates in Fort Payne, AL? There are several reasons why Fort Payne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fort Payne, Alabama.
Commute Time in Fort Payne
The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Payne, AL is 18.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Fort Payne, AL
Ready to find affordable Fort Payne, Alabama car insurance today? Enter your ZIP code for fast, free Fort Payne, AL car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Fort Payne, AL?
The average monthly car insurance rate in Fort Payne, AL is $293.
What car insurance do I need in Fort Payne, AL?
You need to have at least 25/50/25 coverage, 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.
Do I need full coverage if my car is financed?
If your car is financed, full coverage insurance, including comprehensive and collision coverage, may be required by your lender.
How can I find cheap car insurance in Fort Payne, AL?
To find cheap car insurance, compare quotes from different companies and consider factors like age, gender, marital status, credit score, driving record, and commute length.
What factors affect car insurance rates in Fort Payne, AL?
Factors that affect car insurance rates in Fort Payne, AL include age, gender, marital status, credit score, driving record, and commute length.
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.