Affordable Car Insurance Rates in Guntersville, AL (2024)
Car insurance rates in Guntersville, AL are $299/month on average. By law, Alabama drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Guntersville car insurance companies to get the coverage you need at the best rates available.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Jan 9, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Guntersville, AL are $299/month
- The cheapest car insurance company in Guntersville for teen drivers is USAA
- The cheapest car insurance company in Guntersville after a DUI is USAA
Average car insurance rates in Guntersville, Alabama are $299 a month. But with a little research you can get a great deal from the top car insurance companies in Guntersville, AL. Before you buy Guntersville, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.
It may even be helpful to compare Guntersville car insurance rates with Tuscaloosa car insurance rates, Dothan car insurance rates, or Madison car insurance rates to make sure you’re getting the best Guntersville, AL car insurance quotes available.
Need affordable Guntersville, AL car insurance? Enter your ZIP code to compare Guntersville car insurance quotes from multiple car insurance companies near you.
Guntersville, AL Minimum Car Insurance Coverage
Guntersville, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Guntersville, AL Car Insurance Rates by Coverage Level
Some Guntersville drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Guntersville, Alabama car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,256 | $3,366 | $3,493 |
| Farmers | $3,797 | $3,967 | $4,292 |
| Geico | $2,419 | $2,624 | $2,868 |
| Liberty Mutual | $4,809 | $5,016 | $5,295 |
| Nationwide | $2,476 | $2,473 | $2,534 |
| Progressive | $3,727 | $4,131 | $4,597 |
| State Farm | $4,919 | $5,190 | $5,474 |
| Travelers | $3,099 | $3,336 | $3,377 |
| USAA | $2,004 | $2,069 | $2,168 |
Guntersville, AL Car Insurance Rates by Age, Gender, and Marital Status
Guntersville, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Guntersville, AL car insurance, get quotes from multiple car insurance companies in the Guntersville area and see how these criteria affect your 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 | $2,034 | $1,938 | $1,839 | $1,874 | $7,078 | $7,599 | $2,280 | $2,333 |
| Farmers | $2,288 | $2,269 | $2,044 | $2,172 | $8,901 | $9,156 | $2,607 | $2,713 |
| Geico | $1,887 | $1,878 | $1,810 | $1,872 | $4,963 | $4,863 | $1,985 | $1,837 |
| Liberty Mutual | $2,932 | $3,166 | $2,406 | $2,689 | $10,743 | $11,940 | $3,121 | $3,324 |
| Nationwide | $1,634 | $1,653 | $1,494 | $1,543 | $4,292 | $5,507 | $1,812 | $2,019 |
| Progressive | $2,217 | $2,072 | $1,818 | $1,944 | $9,352 | $10,436 | $2,597 | $2,778 |
| State Farm | $3,129 | $3,129 | $2,843 | $2,843 | $9,765 | $12,189 | $3,542 | $4,116 |
| Travelers | $1,344 | $1,364 | $1,265 | $1,259 | $7,090 | $11,115 | $1,273 | $1,455 |
| USAA | $1,290 | $1,307 | $1,206 | $1,179 | $3,876 | $4,295 | $1,681 | $1,811 |
Guntersville, AL Car Insurance Rates for Teens
How much is Guntersville, Alabama car insurance for teens? Compare rates from top Guntersville car insurance companies below to help find the cheapest teen car insurance in Guntersville, AL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,078 | $7,599 |
| Farmers | $8,901 | $9,156 |
| Geico | $4,963 | $4,863 |
| Liberty Mutual | $10,743 | $11,940 |
| Nationwide | $4,292 | $5,507 |
| Progressive | $9,352 | $10,436 |
| State Farm | $9,765 | $12,189 |
| Travelers | $7,090 | $11,115 |
| USAA | $3,876 | $4,295 |
Guntersville, AL Car Insurance Rates for Seniors
Before seniors buy Guntersville, Alabama car insurance, they should make sure to shop around. Some Guntersville, AL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,839 | $1,874 |
| Farmers | $2,044 | $2,172 |
| Geico | $1,810 | $1,872 |
| Liberty Mutual | $2,406 | $2,689 |
| Nationwide | $1,494 | $1,543 |
| Progressive | $1,818 | $1,944 |
| State Farm | $2,843 | $2,843 |
| Travelers | $1,265 | $1,259 |
| USAA | $1,206 | $1,179 |
Guntersville, AL Car Insurance Rates by Credit History
How does your credit history affect Guntersville, AL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,164 | $3,274 | $2,678 |
| Farmers | $4,505 | $3,877 | $3,674 |
| Geico | $3,353 | $2,393 | $2,165 |
| Liberty Mutual | $7,215 | $4,429 | $3,476 |
| Nationwide | $3,007 | $2,349 | $2,126 |
| Progressive | $4,671 | $4,021 | $3,763 |
| State Farm | $8,433 | $4,261 | $2,889 |
| Travelers | $3,569 | $3,092 | $3,150 |
| USAA | $2,792 | $1,822 | $1,628 |
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Guntersville, AL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Guntersville, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Guntersville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,865 | $3,377 | $4,007 | $3,239 |
| Farmers | $3,377 | $4,375 | $4,267 | $4,056 |
| Geico | $1,776 | $2,863 | $3,548 | $2,362 |
| Liberty Mutual | $3,951 | $5,506 | $5,378 | $5,325 |
| Nationwide | $2,188 | $2,188 | $3,164 | $2,437 |
| Progressive | $3,746 | $4,728 | $4,027 | $4,106 |
| State Farm | $4,669 | $5,837 | $5,136 | $5,136 |
| Travelers | $2,724 | $2,859 | $4,177 | $3,322 |
| USAA | $1,600 | $2,011 | $2,980 | $1,731 |
Guntersville, AL Car Insurance Rates With a DUI
Even a single DUI can increase your Guntersville, AL car insurance rates. Compare rates below to see which Guntersville car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,007 |
| Farmers | $4,267 |
| Geico | $3,548 |
| Liberty Mutual | $5,378 |
| Nationwide | $3,164 |
| Progressive | $4,027 |
| State Farm | $5,136 |
| Travelers | $4,177 |
| USAA | $2,980 |
Guntersville, AL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Guntersville, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Guntersville companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,372 | $3,372 |
| Farmers | $4,019 | $4,019 |
| Geico | $2,591 | $2,683 |
| Liberty Mutual | $5,040 | $5,040 |
| Nationwide | $2,494 | $2,494 |
| Progressive | $4,152 | $4,152 |
| State Farm | $5,070 | $5,319 |
| Travelers | $3,270 | $3,270 |
| USAA | $1,986 | $2,176 |
Guntersville, AL Cheapest Car Insurance Rates
How do the top Guntersville, Alabama car insurance companies’ average rates stack up against the Guntersville average monthly car insurance rates of $299? Take a look and see.
| 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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Guntersville, AL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Guntersville, Alabama car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,372 |
| Farmers | $4,019 |
| Geico | $2,637 |
| Liberty Mutual | $5,040 |
| Nationwide | $2,494 |
| Progressive | $4,152 |
| State Farm | $5,194 |
| Travelers | $3,270 |
| USAA | $2,081 |
Other Factors Affecting Guntersville, AL Car Insurance Rates
Before you buy Guntersville, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Guntersville, AL Car Theft Rates
The car theft rate in Guntersville, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Guntersville, Alabama is 41 stolen cars.
Guntersville, AL Commute Time
How does your Guntersville, AL commute time compare with the average driver? In Guntersville, the average commute is 22.9 minutes.
Guntersville, AL Car Insurance Quotes
Compare Guntersville, AL car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.