Best Calera, AL Car Insurance in 2025
Car insurance in Calera, AL averages $302 a month. Calera, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Calera car insurance rates, compare quotes from the top car insurance companies in Calera, AL.
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Table of Contents
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Professor & Published Author
D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...
D. Gilson, PhD
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated October 2024
- The cheapest car insurance company in Calera for teen drivers is USAA
- The cheapest car insurance company in Calera is USAA
- Average car insurance rates in Calera, AL are $3,618/year
If you need to buy Calera, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Calera, AL is right here.
You’ll find Calera car insurance rates, the cheapest Calera, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Calera, Alabama car insurance rates to Huntsville car insurance rates, Birmingham car insurance rates, and Hoover car insurance rates.
Ready to find affordable Calera, AL car insurance today? Enter your ZIP code for fast, free Calera car insurance quotes.
Cheapest Calera, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Calera, AL car insurance rates? Every Calera, 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 | $2,034 | $1,938 | $1,841 | $1,876 | $7,101 | $7,627 | $2,275 | $2,325 |
| Farmers | $2,389 | $2,367 | $2,133 | $2,267 | $9,311 | $9,575 | $2,721 | $2,829 |
| Geico | $1,964 | $1,956 | $1,878 | $1,947 | $5,204 | $5,101 | $2,072 | $1,919 |
| Liberty Mutual | $2,878 | $3,106 | $2,361 | $2,640 | $10,717 | $11,912 | $3,057 | $3,246 |
| Nationwide | $1,678 | $1,696 | $1,532 | $1,583 | $4,422 | $5,679 | $1,861 | $2,076 |
| Progressive | $2,405 | $2,247 | $1,976 | $2,112 | $10,026 | $11,182 | $2,808 | $2,983 |
| State Farm | $3,001 | $3,001 | $2,729 | $2,729 | $9,354 | $11,682 | $3,398 | $3,941 |
| Travelers | $1,234 | $1,252 | $1,166 | $1,160 | $6,551 | $10,254 | $1,174 | $1,330 |
| USAA | $1,376 | $1,398 | $1,284 | $1,260 | $4,111 | $4,560 | $1,796 | $1,940 |
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Minimum Car Insurance in Calera, AL
Every driver must carry the minimum car insurance required by the state in Calera, 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 Calera, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Calera, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Calera from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,170 | $3,279 | $2,682 |
| Farmers | $4,704 | $4,053 | $3,840 |
| Geico | $3,504 | $2,500 | $2,262 |
| Liberty Mutual | $7,127 | $4,392 | $3,449 |
| Nationwide | $3,092 | $2,418 | $2,189 |
| Progressive | $5,030 | $4,327 | $4,046 |
| State Farm | $8,081 | $4,085 | $2,771 |
| Travelers | $3,287 | $2,852 | $2,906 |
| USAA | $2,980 | $1,938 | $1,729 |
Cheapest Calera, 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 Calera, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,869 | $3,384 | $4,013 | $3,243 |
| Farmers | $3,528 | $4,573 | $4,460 | $4,235 |
| Geico | $1,853 | $2,992 | $3,711 | $2,465 |
| Liberty Mutual | $3,913 | $5,454 | $5,321 | $5,269 |
| Nationwide | $2,249 | $2,249 | $3,259 | $2,507 |
| Progressive | $4,024 | $5,077 | $4,352 | $4,416 |
| State Farm | $4,476 | $5,594 | $4,923 | $4,923 |
| Travelers | $2,513 | $2,636 | $3,855 | $3,056 |
| USAA | $1,703 | $2,137 | $3,180 | $1,842 |
Cheapest Calera, AL Car Insurance for Teen Drivers
Teen car insurance in Calera, AL can be expensive. Take a look at rates from the top car insurance companies in Calera for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,101 | $7,627 |
| Farmers | $9,311 | $9,575 |
| Geico | $5,204 | $5,101 |
| Liberty Mutual | $10,717 | $11,912 |
| Nationwide | $4,422 | $5,679 |
| Progressive | $10,026 | $11,182 |
| State Farm | $9,354 | $11,682 |
| Travelers | $6,551 | $10,254 |
| USAA | $4,111 | $4,560 |
Cheapest Calera, AL Car Insurance for Seniors
Take a look at Calera, 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 | $1,841 | $1,876 |
| Farmers | $2,133 | $2,267 |
| Geico | $1,878 | $1,947 |
| Liberty Mutual | $2,361 | $2,640 |
| Nationwide | $1,532 | $1,583 |
| Progressive | $1,976 | $2,112 |
| State Farm | $2,729 | $2,729 |
| Travelers | $1,166 | $1,160 |
| USAA | $1,284 | $1,260 |
Cheapest Calera, AL Car Insurance Rates After a DUI
A DUI in Calera, AL increases car insurance rates. Compare Calera, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,013 |
| Farmers | $4,460 |
| Geico | $3,711 |
| Liberty Mutual | $5,321 |
| Nationwide | $3,259 |
| Progressive | $4,352 |
| State Farm | $4,923 |
| Travelers | $3,855 |
| USAA | $3,180 |
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Cheapest Calera, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Calera, 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 | $3,377 | $3,377 |
| Farmers | $4,199 | $4,199 |
| Geico | $2,707 | $2,804 |
| Liberty Mutual | $4,989 | $4,989 |
| Nationwide | $2,566 | $2,566 |
| Progressive | $4,467 | $4,467 |
| State Farm | $4,859 | $5,099 |
| Travelers | $3,015 | $3,015 |
| USAA | $2,114 | $2,317 |
The Best Cheap Car Insurance Companies in Calera, AL
Take a look at a side-by-side comparison of the top car insurance companies in Calera, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,377 |
| Farmers | $4,199 |
| Geico | $2,755 |
| Liberty Mutual | $4,989 |
| Nationwide | $2,566 |
| Progressive | $4,467 |
| State Farm | $4,979 |
| Travelers | $3,015 |
| USAA | $2,216 |
Category Winners: Cheapest Car Insurance in Calera, Alabama
Find the cheapest car insurance companies in Calera, AL for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Travelers |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Calera, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Calera car insurance rates. Find the cheapest Calera, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,255 | $3,372 | $3,505 |
| Farmers | $3,968 | $4,146 | $4,483 |
| Geico | $2,531 | $2,743 | $2,993 |
| Liberty Mutual | $4,756 | $4,966 | $5,247 |
| Nationwide | $2,541 | $2,546 | $2,611 |
| Progressive | $3,971 | $4,444 | $4,987 |
| State Farm | $4,709 | $4,974 | $5,255 |
| Travelers | $2,862 | $3,075 | $3,109 |
| USAA | $2,138 | $2,204 | $2,305 |
What affects car insurance rates in Calera, Alabama?
What are the factors that affect car insurance rates in Calera, AL? There are several reasons why Calera car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Calera, Alabama.
Car Theft in Calera
High levels of vehicle theft can make car insurance more expensive. Calera, AL car theft statistics from the FBI indicate 23 vehicle thefts a year.
Commute Time in Calera
The more time you spend in your car the higher the risk of an accident. The average commute length in Calera, AL is 33.5 minutes according to City-Data.
Compare Car Insurance Quotes in Calera, AL
Ready to find affordable Calera, Alabama car insurance today? Enter your ZIP code for fast, free Calera, AL car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Calera, AL?
The average monthly rate is $302.
What are the car insurance requirements in Calera, Alabama?
The requirements are 25/50/25 (bodily injury liability per person/accident, property damage liability).
Do I need full coverage insurance if my car is financed?
If your car is financed, full coverage insurance may be required by the lender.
How can I find cheap car insurance rates in Calera, AL?
Compare quotes from top car insurance companies in Calera.
How do age, gender, and marital status affect car insurance rates in Calera, AL?
These factors impact rates differently among insurance companies.
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