Compare Garden City, AL Car Insurance Rates (2021)

Car insurance in Garden City, AL averages $312 a month. Garden City, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Garden City car insurance rates, compare quotes from the top car insurance companies in Garden City, 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 Garden City for teen drivers is USAA
  • Average car insurance rates in Garden City, AL are $3,747/year
  • The cheapest car insurance company in Garden City is USAA

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

You’ll find Garden City car insurance rates, the cheapest Garden City, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Garden City, Alabama car insurance rates to Huntsville car insurance rates, Montgomery car insurance rates, and Hoover car insurance rates.

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

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

How do age, gender, and marital status affect Garden City, AL car insurance rates? Every Garden City, 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 Garden City, 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 $2,005 $1,912 $1,811 $1,846 $6,943 $7,466 $2,251 $2,306
Farmers $2,476 $2,455 $2,213 $2,347 $9,554 $9,828 $2,830 $2,955
GEICO $2,214 $2,202 $2,095 $2,161 $5,858 $5,765 $2,339 $2,181
Liberty Mutual $3,153 $3,405 $2,581 $2,883 $11,526 $12,810 $3,366 $3,594
Nationwide $1,711 $1,732 $1,561 $1,615 $4,509 $5,801 $1,899 $2,121
Progressive $2,395 $2,243 $1,962 $2,101 $9,839 $10,972 $2,799 $2,972
State Farm $3,033 $3,033 $2,745 $2,745 $9,244 $11,544 $3,428 $3,977
Travelers $1,384 $1,406 $1,299 $1,297 $7,426 $11,727 $1,313 $1,499
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 Garden City, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Garden City, Alabama

Insurance Company Poor Fair Good
Allstate $4,098 $3,220 $2,634
Farmers $4,857 $4,180 $3,960
GEICO $3,948 $2,813 $2,544
Liberty Mutual $7,763 $4,753 $3,728
Nationwide $3,158 $2,466 $2,232
Progressive $4,977 $4,268 $3,986
State Farm $8,054 $4,079 $2,773
Travelers $3,727 $3,234 $3,296
USAA $2,880 $1,873 $1,671

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

Annual Garden City, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,821 $3,321 $3,940 $3,187
Farmers $3,639 $4,713 $4,596 $4,381
GEICO $2,089 $3,369 $4,162 $2,788
Liberty Mutual $4,241 $5,916 $5,781 $5,721
Nationwide $2,293 $2,293 $3,331 $2,558
Progressive $3,985 $5,010 $4,274 $4,372
State Farm $4,480 $5,566 $4,914 $4,914
Travelers $2,851 $2,991 $4,368 $3,465
USAA $1,646 $2,068 $3,071 $1,780

Cheapest Garden City, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garden City, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,943 $7,466
Farmers $9,554 $9,828
GEICO $5,858 $5,765
Liberty Mutual $11,526 $12,810
Nationwide $4,509 $5,801
Progressive $9,839 $10,972
State Farm $9,244 $11,544
Travelers $7,426 $11,727
USAA $3,987 $4,421

Cheapest Garden City, AL Car Insurance for Seniors

Take a look at Garden City, 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 Garden City, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,811 $1,846
Farmers $2,213 $2,347
GEICO $2,095 $2,161
Liberty Mutual $2,581 $2,883
Nationwide $1,561 $1,615
Progressive $1,962 $2,101
State Farm $2,745 $2,745
Travelers $1,299 $1,297
USAA $1,238 $1,211

Cheapest Garden City, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garden City, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,940
Farmers $4,596
GEICO $4,162
Liberty Mutual $5,781
Nationwide $3,331
Progressive $4,274
State Farm $4,914
Travelers $4,368
USAA $3,071

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Cheapest Garden City, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garden City, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,317 $3,317
Farmers $4,332 $4,332
GEICO $3,046 $3,158
Liberty Mutual $5,415 $5,415
Nationwide $2,619 $2,619
Progressive $4,410 $4,410
State Farm $4,851 $5,086
Travelers $3,419 $3,419
USAA $2,044 $2,239

The Best Cheap Car Insurance Companies in Garden City, AL

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

Average Annual Car Insurance Rates by Company in Garden City, Alabama

Insurance Company Average Annual Rates
Allstate $3,317
Farmers $4,332
GEICO $3,102
Liberty Mutual $5,415
Nationwide $2,619
Progressive $4,410
State Farm $4,969
Travelers $3,419
USAA $2,141

Category Winners: Cheapest Car Insurance in Garden City, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Garden City, Alabama

Insurance Company Low Medium High
Allstate $3,215 $3,312 $3,425
Farmers $4,110 $4,281 $4,606
GEICO $2,872 $3,089 $3,345
Liberty Mutual $5,184 $5,391 $5,669
Nationwide $2,600 $2,597 $2,660
Progressive $3,955 $4,385 $4,891
State Farm $4,714 $4,961 $5,230
Travelers $3,235 $3,487 $3,534
USAA $2,067 $2,130 $2,227

What affects car insurance rates in Garden City, Alabama?

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

Commute Time in Garden City

The more time you spend in your car the higher the risk of an accident. The average commute length in Garden City, AL is 26.5 minutes according to City-Data.

Compare Car Insurance Quotes in Garden City, AL

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

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Average Monthly Car Insurance Rates by State