Compare Cullman, AL Car Insurance Rates (2021)

Car insurance in Cullman, AL averages $303 a month. Cullman, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cullman car insurance rates, compare quotes from the top car insurance companies in Cullman, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Cullman, AL are $3,634/year
  • The cheapest car insurance company in Cullman for teen drivers is USAA
  • Average car insurance rates in Cullman, AL after a DUI are $4,151/year

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

You’ll find Cullman car insurance rates, the cheapest Cullman, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Cullman, Alabama car insurance rates to Dothan car insurance rates, Montgomery car insurance rates, and Birmingham car insurance rates.

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

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

How do age, gender, and marital status affect Cullman, AL car insurance rates? Every Cullman, 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 Cullman, 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 $1,996 $1,903 $1,803 $1,837 $6,934 $7,457 $2,243 $2,297
Farmers $2,419 $2,399 $2,161 $2,294 $9,349 $9,617 $2,758 $2,874
GEICO $2,214 $2,204 $2,102 $2,167 $5,867 $5,781 $2,333 $2,175
Liberty Mutual $2,984 $3,223 $2,448 $2,735 $10,900 $12,116 $3,179 $3,388
Nationwide $1,711 $1,732 $1,561 $1,615 $4,509 $5,801 $1,899 $2,121
Progressive $2,239 $2,091 $1,838 $1,971 $9,234 $10,279 $2,608 $2,751
State Farm $2,960 $2,960 $2,693 $2,693 $9,153 $11,442 $3,348 $3,870
Travelers $1,284 $1,303 $1,209 $1,206 $6,869 $10,822 $1,219 $1,384
USAA $1,327 $1,347 $1,238 $1,211 $3,987 $4,421 $1,733 $1,868

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Minimum Car Insurance in Cullman, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Cullman, Alabama

Insurance Company Poor Fair Good
Allstate $4,086 $3,212 $2,628
Farmers $4,746 $4,085 $3,870
GEICO $3,952 $2,817 $2,547
Liberty Mutual $7,335 $4,499 $3,531
Nationwide $3,158 $2,466 $2,232
Progressive $4,652 $3,995 $3,732
State Farm $7,926 $4,015 $2,730
Travelers $3,447 $2,991 $3,048
USAA $2,880 $1,873 $1,671

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

Annual Cullman, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,813 $3,313 $3,931 $3,178
Farmers $3,558 $4,607 $4,494 $4,276
GEICO $2,087 $3,376 $4,174 $2,784
Liberty Mutual $4,015 $5,594 $5,467 $5,411
Nationwide $2,293 $2,293 $3,331 $2,558
Progressive $3,720 $4,686 $4,018 $4,082
State Farm $4,400 $5,489 $4,836 $4,836
Travelers $2,637 $2,766 $4,040 $3,205
USAA $1,646 $2,068 $3,071 $1,780

Cheapest Cullman, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cullman, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,934 $7,457
Farmers $9,349 $9,617
GEICO $5,867 $5,781
Liberty Mutual $10,900 $12,116
Nationwide $4,509 $5,801
Progressive $9,234 $10,279
State Farm $9,153 $11,442
Travelers $6,869 $10,822
USAA $3,987 $4,421

Cheapest Cullman, AL Car Insurance for Seniors

Take a look at Cullman, 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 Cullman, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,803 $1,837
Farmers $2,161 $2,294
GEICO $2,102 $2,167
Liberty Mutual $2,448 $2,735
Nationwide $1,561 $1,615
Progressive $1,838 $1,971
State Farm $2,693 $2,693
Travelers $1,209 $1,206
USAA $1,238 $1,211

Cheapest Cullman, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cullman, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,931
Farmers $4,494
GEICO $4,174
Liberty Mutual $5,467
Nationwide $3,331
Progressive $4,018
State Farm $4,836
Travelers $4,040
USAA $3,071

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Cheapest Cullman, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cullman, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,309 $3,309
Farmers $4,234 $4,234
GEICO $3,051 $3,159
Liberty Mutual $5,122 $5,122
Nationwide $2,619 $2,619
Progressive $4,126 $4,126
State Farm $4,771 $5,009
Travelers $3,162 $3,162
USAA $2,044 $2,239

The Best Cheap Car Insurance Companies in Cullman, AL

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

Average Annual Car Insurance Rates by Company in Cullman, Alabama

Insurance Company Average Annual Rates
Allstate $3,309
Farmers $4,234
GEICO $3,105
Liberty Mutual $5,122
Nationwide $2,619
Progressive $4,126
State Farm $4,890
Travelers $3,162
USAA $2,141

Category Winners: Cheapest Car Insurance in Cullman, Alabama

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

Best Annual Car Insurance Rates by Company in Cullman, 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 Cullman, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cullman, Alabama

Insurance Company Low Medium High
Allstate $3,209 $3,304 $3,414
Farmers $4,007 $4,181 $4,512
GEICO $2,875 $3,092 $3,349
Liberty Mutual $4,891 $5,098 $5,376
Nationwide $2,600 $2,597 $2,660
Progressive $3,667 $4,101 $4,611
State Farm $4,610 $4,884 $5,177
Travelers $2,990 $3,225 $3,272
USAA $2,067 $2,130 $2,227

What affects car insurance rates in Cullman, Alabama?

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

Car Theft in Cullman

High levels of vehicle theft can make car insurance more expensive. Cullman, AL car theft statistics from the FBI indicate 44 vehicle thefts a year.

Commute Time in Cullman

The more time you spend in your car the higher the risk of an accident. The average commute length in Cullman, AL is 20.5 minutes according to City-Data.

Compare Car Insurance Quotes in Cullman, AL

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

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Average Monthly Car Insurance Rates by State