Compare Gardendale, AL Car Insurance Rates (2021)

Car insurance in Gardendale, AL averages $337 a month. Gardendale, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gardendale car insurance rates, compare quotes from the top car insurance companies in Gardendale, 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 Gardendale for teen drivers is USAA
  • Average car insurance rates in Gardendale, AL are $4,038/year
  • Average car insurance rates in Gardendale, AL after a DUI are $4,592/year

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

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

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

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

How do age, gender, and marital status affect Gardendale, AL car insurance rates? Every Gardendale, 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 Gardendale, 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 $2,062 $1,956 $1,875 $1,910 $7,442 $7,997 $2,286 $2,329
Farmers $2,647 $2,623 $2,362 $2,517 $10,461 $10,755 $3,006 $3,111
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,226 $3,482 $2,637 $2,948 $12,074 $13,422 $3,436 $3,659
Nationwide $1,850 $1,872 $1,686 $1,743 $4,989 $6,415 $2,059 $2,302
Progressive $2,731 $2,548 $2,238 $2,406 $11,379 $12,662 $3,189 $3,374
State Farm $3,429 $3,429 $3,130 $3,130 $10,821 $13,512 $3,885 $4,504
Travelers $1,404 $1,423 $1,327 $1,322 $7,744 $12,217 $1,331 $1,501
USAA $1,318 $1,336 $1,230 $1,202 $3,951 $4,378 $1,717 $1,850

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Minimum Car Insurance in Gardendale, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Gardendale, Alabama

Insurance Company Poor Fair Good
Allstate $4,288 $3,387 $2,772
Farmers $5,246 $4,524 $4,286
GEICO $4,135 $2,945 $2,664
Liberty Mutual $8,028 $4,935 $3,869
Nationwide $3,458 $2,696 $2,438
Progressive $5,706 $4,905 $4,586
State Farm $9,300 $4,701 $3,190
Travelers $3,847 $3,344 $3,409
USAA $2,854 $1,857 $1,657

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

Annual Gardendale, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,940 $3,482 $4,167 $3,341
Farmers $3,937 $5,108 $4,982 $4,714
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,394 $6,136 $5,985 $5,927
Nationwide $2,505 $2,505 $3,650 $2,797
Progressive $4,574 $5,767 $4,906 $5,016
State Farm $5,142 $6,449 $5,665 $5,665
Travelers $2,943 $3,086 $4,532 $3,574
USAA $1,632 $2,051 $3,043 $1,765

Cheapest Gardendale, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gardendale, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,442 $7,997
Farmers $10,461 $10,755
GEICO $6,182 $6,096
Liberty Mutual $12,074 $13,422
Nationwide $4,989 $6,415
Progressive $11,379 $12,662
State Farm $10,821 $13,512
Travelers $7,744 $12,217
USAA $3,951 $4,378

Cheapest Gardendale, AL Car Insurance for Seniors

Take a look at Gardendale, 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 Gardendale, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,875 $1,910
Farmers $2,362 $2,517
GEICO $2,178 $2,261
Liberty Mutual $2,637 $2,948
Nationwide $1,686 $1,743
Progressive $2,238 $2,406
State Farm $3,130 $3,130
Travelers $1,327 $1,322
USAA $1,230 $1,202

Cheapest Gardendale, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gardendale, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,167
Farmers $4,982
GEICO $4,396
Liberty Mutual $5,985
Nationwide $3,650
Progressive $4,906
State Farm $5,665
Travelers $4,532
USAA $3,043

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Cheapest Gardendale, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gardendale, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,482 $3,482
Farmers $4,685 $4,685
GEICO $3,191 $3,305
Liberty Mutual $5,611 $5,611
Nationwide $2,864 $2,864
Progressive $5,066 $5,066
State Farm $5,591 $5,870
Travelers $3,534 $3,534
USAA $2,026 $2,220

The Best Cheap Car Insurance Companies in Gardendale, AL

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

Average Annual Car Insurance Rates by Company in Gardendale, Alabama

Insurance Company Average Annual Rates
Allstate $3,482
Farmers $4,685
GEICO $3,248
Liberty Mutual $5,611
Nationwide $2,864
Progressive $5,066
State Farm $5,730
Travelers $3,534
USAA $2,123

Category Winners: Cheapest Car Insurance in Gardendale, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Gardendale, Alabama

Insurance Company Low Medium High
Allstate $3,352 $3,476 $3,618
Farmers $4,408 $4,621 $5,027
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,363 $5,585 $5,884
Nationwide $2,858 $2,838 $2,897
Progressive $4,543 $5,034 $5,621
State Farm $5,402 $5,725 $6,064
Travelers $3,349 $3,603 $3,648
USAA $2,049 $2,112 $2,208

What affects car insurance rates in Gardendale, Alabama?

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

Car Theft in Gardendale

High levels of vehicle theft can make car insurance more expensive. Gardendale, AL car theft statistics from the FBI indicate 22 vehicle thefts a year.

Commute Time in Gardendale

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

Compare Car Insurance Quotes in Gardendale, AL

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

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Average Monthly Car Insurance Rates by State