Best Homewood, AL Car Insurance in 2025
Car insurance in Homewood, AL averages $343 a month. Homewood, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Homewood car insurance rates, compare quotes from the top car insurance companies in Homewood, AL.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Insurance & Finance Analyst
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...
Zach Fagiano
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 car insurance company in Homewood is USAA
- The cheapest car insurance company in Homewood for teen drivers is USAA
- Average car insurance rates in Homewood, AL are $4,120/year
If you need to buy Homewood, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Homewood, AL is right here.
You’ll find Homewood car insurance rates, the cheapest Homewood, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Homewood, Alabama car insurance rates to Madison car insurance rates, Dothan car insurance rates, and Tuscaloosa car insurance rates.
Ready to find affordable Homewood, AL car insurance today? Enter your ZIP code for fast, free Homewood car insurance quotes.
Cheapest Homewood, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Homewood, AL car insurance rates? Every Homewood, 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 | $2,177 | $2,062 | $1,981 | $2,017 | $7,968 | $8,579 | $2,410 | $2,454 |
| Farmers | $2,593 | $2,572 | $2,312 | $2,464 | $10,315 | $10,619 | $2,945 | $3,048 |
| Geico | $2,181 | $2,178 | $2,089 | $2,177 | $5,892 | $5,777 | $2,305 | $2,133 |
| Liberty Mutual | $3,205 | $3,458 | $2,624 | $2,938 | $12,264 | $13,638 | $3,395 | $3,597 |
| Nationwide | $1,848 | $1,869 | $1,684 | $1,741 | $4,971 | $6,395 | $2,056 | $2,299 |
| Progressive | $2,582 | $2,404 | $2,135 | $2,266 | $11,247 | $12,543 | $3,041 | $3,271 |
| State Farm | $3,272 | $3,272 | $2,983 | $2,983 | $10,240 | $12,799 | $3,705 | $4,284 |
| Travelers | $1,802 | $1,829 | $1,698 | $1,694 | $10,276 | $16,400 | $1,696 | $1,921 |
| USAA | $1,326 | $1,343 | $1,238 | $1,208 | $3,984 | $4,411 | $1,726 | $1,859 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Minimum Car Insurance in Homewood, AL
Every driver must carry the minimum car insurance required by the state in Homewood, 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 Homewood, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Homewood, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Homewood from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,558 | $3,608 | $2,951 |
| Farmers | $5,158 | $4,451 | $4,217 |
| Geico | $3,935 | $2,804 | $2,536 |
| Liberty Mutual | $8,059 | $4,968 | $3,893 |
| Nationwide | $3,449 | $2,691 | $2,434 |
| Progressive | $5,529 | $4,787 | $4,493 |
| State Farm | $8,829 | $4,466 | $3,032 |
| Travelers | $5,077 | $4,413 | $4,504 |
| USAA | $2,872 | $1,870 | $1,669 |
Cheapest Homewood, 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 Homewood, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,122 | $3,704 | $4,444 | $3,554 |
| Farmers | $3,874 | $5,025 | $4,902 | $4,634 |
| Geico | $2,066 | $3,358 | $4,199 | $2,744 |
| Liberty Mutual | $4,417 | $6,175 | $6,009 | $5,960 |
| Nationwide | $2,499 | $2,499 | $3,643 | $2,791 |
| Progressive | $4,441 | $5,636 | $4,808 | $4,861 |
| State Farm | $4,889 | $6,118 | $5,381 | $5,381 |
| Travelers | $3,881 | $4,069 | $5,990 | $4,718 |
| USAA | $1,643 | $2,065 | $3,063 | $1,777 |
Cheapest Homewood, AL Car Insurance for Teen Drivers
Teen car insurance in Homewood, AL can be expensive. Take a look at rates from the top car insurance companies in Homewood for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,968 | $8,579 |
| Farmers | $10,315 | $10,619 |
| Geico | $5,892 | $5,777 |
| Liberty Mutual | $12,264 | $13,638 |
| Nationwide | $4,971 | $6,395 |
| Progressive | $11,247 | $12,543 |
| State Farm | $10,240 | $12,799 |
| Travelers | $10,276 | $16,400 |
| USAA | $3,984 | $4,411 |
Cheapest Homewood, AL Car Insurance for Seniors
Take a look at Homewood, 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 | $1,981 | $2,017 |
| Farmers | $2,312 | $2,464 |
| Geico | $2,089 | $2,177 |
| Liberty Mutual | $2,624 | $2,938 |
| Nationwide | $1,684 | $1,741 |
| Progressive | $2,135 | $2,266 |
| State Farm | $2,983 | $2,983 |
| Travelers | $1,698 | $1,694 |
| USAA | $1,238 | $1,208 |
Cheapest Homewood, AL Car Insurance Rates After a DUI
A DUI in Homewood, AL increases car insurance rates. Compare Homewood, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,444 |
| Farmers | $4,902 |
| Geico | $4,199 |
| Liberty Mutual | $6,009 |
| Nationwide | $3,643 |
| Progressive | $4,808 |
| State Farm | $5,381 |
| Travelers | $5,990 |
| USAA | $3,063 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheapest Homewood, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Homewood, 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 | $3,706 | $3,706 |
| Farmers | $4,608 | $4,608 |
| Geico | $3,039 | $3,144 |
| Liberty Mutual | $5,640 | $5,640 |
| Nationwide | $2,858 | $2,858 |
| Progressive | $4,936 | $4,936 |
| State Farm | $5,309 | $5,575 |
| Travelers | $4,665 | $4,665 |
| USAA | $2,039 | $2,235 |
The Best Cheap Car Insurance Companies in Homewood, AL
Take a look at a side-by-side comparison of the top car insurance companies in Homewood, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,706 |
| Farmers | $4,608 |
| Geico | $3,092 |
| Liberty Mutual | $5,640 |
| Nationwide | $2,858 |
| Progressive | $4,936 |
| State Farm | $5,442 |
| Travelers | $4,665 |
| USAA | $2,137 |
Category Winners: Cheapest Car Insurance in Homewood, Alabama
Find the cheapest car insurance companies in Homewood, 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 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheapest Homewood, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Homewood car insurance rates. Find the cheapest Homewood, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,570 | $3,700 | $3,848 |
| Farmers | $4,332 | $4,543 | $4,951 |
| Geico | $2,841 | $3,079 | $3,355 |
| Liberty Mutual | $5,349 | $5,610 | $5,961 |
| Nationwide | $2,846 | $2,833 | $2,894 |
| Progressive | $4,464 | $4,921 | $5,424 |
| State Farm | $5,126 | $5,437 | $5,765 |
| Travelers | $4,392 | $4,758 | $4,844 |
| USAA | $2,062 | $2,126 | $2,223 |
What affects car insurance rates in Homewood, Alabama?
What are the factors that affect car insurance rates in Homewood, AL? There are several reasons why Homewood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Homewood, Alabama.
Car Theft in Homewood
High levels of vehicle theft can make car insurance more expensive. Homewood, AL car theft statistics from the FBI indicate 68 vehicle thefts a year.
Commute Time in Homewood
The more time you spend in your car the higher the risk of an accident. The average commute length in Homewood, AL is 17.6 minutes according to City-Data.
Compare Car Insurance Quotes in Homewood, AL
Ready to find affordable Homewood, Alabama car insurance today? Enter your ZIP code for fast, free Homewood, AL car insurance quotes.
Frequently Asked Questions
How do age, gender, and marital status affect car insurance rates in Homewood, AL?
Younger drivers, males, and unmarried individuals generally have higher car insurance rates.
What are the minimum car insurance requirements in Homewood, AL?
The minimum requirements in Homewood, AL are 25/50/25, which means $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability.
How does credit score affect car insurance rates in Homewood, AL?
Credit score can affect car insurance rates. Good credit may qualify for discounts, while poor credit can lead to higher rates.
Does a bad driving record affect car insurance rates in Homewood, AL?
Yes, a bad driving record can result in higher car insurance rates due to the increased risk associated with previous accidents or traffic violations.
How can I find affordable car insurance for teenagers in Homewood, AL?
Comparing quotes from multiple insurance companies, exploring discounts for driver’s education or good grades, and adding the teenager to a parent’s policy can help find more affordable rates for teenage drivers.
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption