Compare Chelsea, AL Car Insurance Rates (2021)

Car insurance in Chelsea, AL averages $324 a month. Chelsea, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Chelsea car insurance rates, compare quotes from the top car insurance companies in Chelsea, 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 Chelsea for teen drivers is USAA
  • Average car insurance rates in Chelsea, AL after a DUI are $4,418/year
  • The cheapest car insurance company in Chelsea is USAA

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

You’ll find Chelsea car insurance rates, the cheapest Chelsea, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Chelsea, Alabama car insurance rates to Decatur car insurance rates, Madison car insurance rates, and Hoover car insurance rates.

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

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

How do age, gender, and marital status affect Chelsea, AL car insurance rates? Every Chelsea, 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 Chelsea, 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 $2,155 $2,047 $1,955 $1,992 $7,743 $8,349 $2,400 $2,449
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,940 $3,172 $2,409 $2,692 $10,978 $12,200 $3,125 $3,322
Nationwide $1,731 $1,749 $1,581 $1,632 $4,627 $5,933 $1,923 $2,145
Progressive $2,577 $2,408 $2,126 $2,261 $10,905 $12,155 $3,028 $3,233
State Farm $3,546 $3,546 $3,232 $3,232 $11,126 $13,928 $4,018 $4,638
Travelers $1,318 $1,337 $1,244 $1,240 $7,142 $11,261 $1,250 $1,413
USAA $1,347 $1,367 $1,255 $1,230 $3,993 $4,425 $1,750 $1,891

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Minimum Car Insurance in Chelsea, AL

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

Minimum Required Car Insurance Coverage in Chelsea, 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 Chelsea, AL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Chelsea, Alabama

Insurance Company Poor Fair Good
Allstate $4,480 $3,538 $2,892
Farmers $4,806 $4,145 $3,927
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,296 $4,492 $3,525
Nationwide $3,210 $2,511 $2,274
Progressive $5,437 $4,685 $4,387
State Farm $9,601 $4,844 $3,280
Travelers $3,569 $3,099 $3,159
USAA $2,903 $1,886 $1,683

Cheapest Chelsea, 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 Chelsea, AL to rates for a clean record with top companies.

Annual Chelsea, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,075 $3,638 $4,343 $3,489
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $4,001 $5,583 $5,443 $5,392
Nationwide $2,336 $2,336 $3,386 $2,603
Progressive $4,360 $5,508 $4,702 $4,777
State Farm $5,307 $6,643 $5,842 $5,842
Travelers $2,730 $2,863 $4,192 $3,318
USAA $1,659 $2,081 $3,095 $1,795

Cheapest Chelsea, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chelsea, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,743 $8,349
Farmers $9,571 $9,840
GEICO $5,892 $5,777
Liberty Mutual $10,978 $12,200
Nationwide $4,627 $5,933
Progressive $10,905 $12,155
State Farm $11,126 $13,928
Travelers $7,142 $11,261
USAA $3,993 $4,425

Cheapest Chelsea, AL Car Insurance for Seniors

Take a look at Chelsea, 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 Chelsea, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,955 $1,992
Farmers $2,170 $2,311
GEICO $2,089 $2,177
Liberty Mutual $2,409 $2,692
Nationwide $1,581 $1,632
Progressive $2,126 $2,261
State Farm $3,232 $3,232
Travelers $1,244 $1,240
USAA $1,255 $1,230

Cheapest Chelsea, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chelsea, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,343
Farmers $4,565
GEICO $4,199
Liberty Mutual $5,443
Nationwide $3,386
Progressive $4,702
State Farm $5,842
Travelers $4,192
USAA $3,095

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Cheapest Chelsea, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chelsea, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,636 $3,636
Farmers $4,293 $4,293
GEICO $3,039 $3,144
Liberty Mutual $5,105 $5,105
Nationwide $2,665 $2,665
Progressive $4,837 $4,837
State Farm $5,762 $6,055
Travelers $3,276 $3,276
USAA $2,059 $2,256

The Best Cheap Car Insurance Companies in Chelsea, AL

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

Average Annual Car Insurance Rates by Company in Chelsea, Alabama

Insurance Company Average Annual Rates
Allstate $3,636
Farmers $4,293
GEICO $3,092
Liberty Mutual $5,105
Nationwide $2,665
Progressive $4,837
State Farm $5,908
Travelers $3,276
USAA $2,157

Category Winners: Cheapest Car Insurance in Chelsea, Alabama

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

Best Annual Car Insurance Rates by Company in Chelsea, Alabama

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 Chelsea, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Chelsea, Alabama

Insurance Company Low Medium High
Allstate $3,515 $3,631 $3,764
Farmers $4,039 $4,235 $4,605
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,872 $5,081 $5,361
Nationwide $2,638 $2,645 $2,712
Progressive $4,372 $4,816 $5,322
State Farm $5,564 $5,905 $6,256
Travelers $3,094 $3,341 $3,392
USAA $2,082 $2,146 $2,244

What affects car insurance rates in Chelsea, Alabama?

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

Commute Time in Chelsea

The more time you spend in your car the higher the risk of an accident. The average commute length in Chelsea, AL is 31.1 minutes according to City-Data.

Compare Car Insurance Quotes in Chelsea, AL

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

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Average Monthly Car Insurance Rates by State