Compare Bay Minette, AL Car Insurance Rates (2021)

Car insurance in Bay Minette, AL averages $295 a month. Bay Minette, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Bay Minette car insurance rates, compare quotes from the top car insurance companies in Bay Minette, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Bay Minette for teen drivers is USAA
  • The cheapest car insurance company in Bay Minette is USAA
  • Average car insurance rates in Bay Minette, AL after a DUI are $4,068/year

If you need to buy Bay Minette, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Bay Minette, AL is right here.

You’ll find Bay Minette car insurance rates, the cheapest Bay Minette, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Bay Minette, Alabama car insurance rates to Dothan car insurance rates, Decatur car insurance rates, and Auburn car insurance rates.

Ready to find affordable Bay Minette, AL car insurance today? Enter your ZIP code for fast, free Bay Minette car insurance quotes.

Cheapest Bay Minette, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bay Minette, AL car insurance rates? Every Bay Minette, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bay Minette, Alabama

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 $1,909 $1,816 $1,728 $1,761 $6,742 $7,256 $2,132 $2,178
Farmers $2,203 $2,188 $1,968 $2,096 $8,625 $8,873 $2,501 $2,594
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,093 $3,342 $2,536 $2,836 $11,239 $12,498 $3,296 $3,515
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,269 $2,138 $1,860 $1,982 $9,042 $10,100 $2,655 $2,815
State Farm $2,463 $2,463 $2,223 $2,223 $7,338 $9,198 $2,779 $3,198
Travelers $1,741 $1,768 $1,635 $1,628 $9,507 $14,975 $1,643 $1,886
USAA $1,249 $1,267 $1,171 $1,150 $3,709 $4,109 $1,622 $1,752

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Minimum Car Insurance in Bay Minette, AL

Every driver must carry the minimum car insurance in Bay Minette, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car Insurance Coverage in Bay Minette, Alabama

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 Bay Minette, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bay Minette, AL. Compare credit history car insurance rates in Bay Minette from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bay Minette, Alabama

Insurance Company Poor Fair Good
Allstate $3,936 $3,100 $2,536
Farmers $4,353 $3,743 $3,547
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,589 $4,647 $3,647
Nationwide $2,987 $2,338 $2,118
Progressive $4,653 $3,970 $3,699
State Farm $6,456 $3,273 $2,227
Travelers $4,740 $4,112 $4,192
USAA $2,681 $1,757 $1,572

Cheapest Bay Minette, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bay Minette, AL to rates for a clean record with top companies.

Annual Bay Minette, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,705 $3,192 $3,801 $3,063
Farmers $3,264 $4,227 $4,125 $3,908
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,150 $5,781 $5,653 $5,594
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,715 $4,648 $3,986 $4,081
State Farm $3,605 $4,451 $3,943 $3,943
Travelers $3,616 $3,794 $5,572 $4,410
USAA $1,543 $1,936 $2,865 $1,669

Cheapest Bay Minette, AL Car Insurance for Teen Drivers

Teen car insurance in Bay Minette, AL can be expensive. Take a look at rates from the top car insurance companies in Bay Minette for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bay Minette, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,742 $7,256
Farmers $8,625 $8,873
GEICO $4,934 $4,812
Liberty Mutual $11,239 $12,498
Nationwide $4,274 $5,478
Progressive $9,042 $10,100
State Farm $7,338 $9,198
Travelers $9,507 $14,975
USAA $3,709 $4,109

Cheapest Bay Minette, AL Car Insurance for Seniors

Take a look at Bay Minette, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bay Minette, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,728 $1,761
Farmers $1,968 $2,096
GEICO $1,795 $1,862
Liberty Mutual $2,536 $2,836
Nationwide $1,486 $1,534
Progressive $1,860 $1,982
State Farm $2,223 $2,223
Travelers $1,635 $1,628
USAA $1,171 $1,150

Cheapest Bay Minette, AL Car Insurance Rates After a DUI

A DUI in Bay Minette, AL increases car insurance rates. Compare Bay Minette, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bay Minette, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,801
Farmers $4,125
GEICO $3,520
Liberty Mutual $5,653
Nationwide $3,145
Progressive $3,986
State Farm $3,943
Travelers $5,572
USAA $2,865

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Cheapest Bay Minette, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bay Minette, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bay Minette, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,190 $3,190
Farmers $3,881 $3,881
GEICO $2,571 $2,665
Liberty Mutual $5,295 $5,295
Nationwide $2,481 $2,481
Progressive $4,108 $4,108
State Farm $3,890 $4,081
Travelers $4,348 $4,348
USAA $1,912 $2,095

The Best Cheap Car Insurance Companies in Bay Minette, AL

Take a look at a side-by-side comparison of the top car insurance companies in Bay Minette, AL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bay Minette, Alabama

Insurance Company Average Annual Rates
Allstate $3,190
Farmers $3,881
GEICO $2,618
Liberty Mutual $5,295
Nationwide $2,481
Progressive $4,108
State Farm $3,985
Travelers $4,348
USAA $2,004

Category Winners: Cheapest Car Insurance in Bay Minette, Alabama

Find the cheapest car insurance companies in Bay Minette, AL for each category right here.

Best Annual Car Insurance Rates by Company in Bay Minette, Alabama

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 Bay Minette, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bay Minette car insurance rates. Find the cheapest Bay Minette, AL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bay Minette, Alabama

Insurance Company Low Medium High
Allstate $3,090 $3,186 $3,295
Farmers $3,647 $3,825 $4,171
GEICO $2,395 $2,606 $2,853
Liberty Mutual $5,051 $5,269 $5,564
Nationwide $2,452 $2,462 $2,528
Progressive $3,689 $4,085 $4,549
State Farm $3,769 $3,979 $4,209
Travelers $4,138 $4,435 $4,471
USAA $1,924 $1,991 $2,095

What affects car insurance rates in Bay Minette, Alabama?

What factors can have an impact on Bay Minette, AL car insurance? There are several reasons why Bay Minette car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bay Minette, Alabama.

Car Theft in Bay Minette

High levels of vehicle theft can make car insurance more expensive. Bay Minette, AL car theft statistics from the FBI indicate 19 vehicle thefts a year.

Commute Time in Bay Minette

The more time you spend in your car the higher the risk of an accident. The average commute length in Bay Minette, AL is 24.5 minutes according to City-Data.

Compare Car Insurance Quotes in Bay Minette, AL

Ready to find affordable Bay Minette, Alabama car insurance today? Enter your ZIP code for fast, free Bay Minette, AL car insurance quotes.

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Average Monthly Car Insurance Rates by State