Compare Gulf Shores, AL Car Insurance Rates (2021)

Car insurance in Gulf Shores, AL averages $298 a month. Gulf Shores, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gulf Shores car insurance rates, compare quotes from the top car insurance companies in Gulf Shores, 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

  • Average car insurance rates in Gulf Shores, AL are $3,573/year
  • The cheapest car insurance company in Gulf Shores for teen drivers is USAA
  • The cheapest car insurance company in Gulf Shores is USAA

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

You’ll find Gulf Shores car insurance rates, the cheapest Gulf Shores, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Gulf Shores, Alabama car insurance rates to Mobile car insurance rates, Auburn car insurance rates, and Dothan car insurance rates.

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

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

How do age, gender, and marital status affect Gulf Shores, AL car insurance rates? Every Gulf Shores, 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 Gulf Shores, 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 $1,867 $1,777 $1,693 $1,725 $6,589 $7,101 $2,082 $2,124
Farmers $2,306 $2,288 $2,059 $2,192 $8,989 $9,246 $2,611 $2,703
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,026 $3,268 $2,482 $2,777 $11,136 $12,384 $3,218 $3,422
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,348 $2,206 $1,930 $2,056 $9,447 $10,540 $2,741 $2,896
State Farm $2,578 $2,578 $2,348 $2,348 $7,962 $9,967 $2,916 $3,358
Travelers $1,676 $1,702 $1,576 $1,570 $9,202 $14,523 $1,583 $1,810
USAA $1,214 $1,231 $1,138 $1,117 $3,602 $3,990 $1,576 $1,701

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Minimum Car Insurance in Gulf Shores, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Gulf Shores, Alabama

Insurance Company Poor Fair Good
Allstate $3,850 $3,031 $2,479
Farmers $4,535 $3,908 $3,704
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,829 $4,130 $3,852
State Farm $6,900 $3,495 $2,376
Travelers $4,583 $3,978 $4,055
USAA $2,604 $1,707 $1,527

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

Annual Gulf Shores, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,647 $3,123 $3,713 $2,996
Farmers $3,408 $4,412 $4,304 $4,073
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,852 $4,833 $4,164 $4,232
State Farm $3,831 $4,777 $4,210 $4,210
Travelers $3,498 $3,671 $5,390 $4,262
USAA $1,500 $1,882 $2,782 $1,622

Cheapest Gulf Shores, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gulf Shores, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,589 $7,101
Farmers $8,989 $9,246
GEICO $4,934 $4,812
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $7,962 $9,967
Travelers $9,202 $14,523
USAA $3,602 $3,990

Cheapest Gulf Shores, AL Car Insurance for Seniors

Take a look at Gulf Shores, 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 Gulf Shores, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,693 $1,725
Farmers $2,059 $2,192
GEICO $1,795 $1,862
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,930 $2,056
State Farm $2,348 $2,348
Travelers $1,576 $1,570
USAA $1,138 $1,117

Cheapest Gulf Shores, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gulf Shores, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,713
Farmers $4,304
GEICO $3,520
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,164
State Farm $4,210
Travelers $5,390
USAA $2,782

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Cheapest Gulf Shores, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gulf Shores, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,120 $3,120
Farmers $4,049 $4,049
GEICO $2,571 $2,665
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,270 $4,270
State Farm $4,152 $4,362
Travelers $4,205 $4,205
USAA $1,857 $2,035

Cheapest Gulf Shores, AL Car Insurance Rates by ZIP Code

Gulf Shores car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Gulf Shores, AL.

Annual Car Insurance Rates by ZIP Code in Gulf Shores, Alabama

ZIP Code Average Annual Rates
36542 $3,711
36561 $3,688

The Best Cheap Car Insurance Companies in Gulf Shores, AL

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

Average Annual Car Insurance Rates by Company in Gulf Shores, Alabama

Insurance Company Average Annual Rates
Allstate $3,120
Farmers $4,049
GEICO $2,618
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,270
State Farm $4,257
Travelers $4,205
USAA $1,946

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Category Winners: Cheapest Car Insurance in Gulf Shores, Alabama

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

Best Annual Car Insurance Rates by Company in Gulf Shores, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Gulf Shores, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gulf Shores, Alabama

Insurance Company Low Medium High
Allstate $3,019 $3,116 $3,224
Farmers $3,811 $3,994 $4,342
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,804 $4,247 $4,760
State Farm $4,002 $4,252 $4,517
Travelers $3,995 $4,289 $4,332
USAA $1,869 $1,934 $2,035

What affects car insurance rates in Gulf Shores, Alabama?

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

Car Theft in Gulf Shores

High levels of vehicle theft can make car insurance more expensive. Gulf Shores, AL car theft statistics from the FBI indicate 25 vehicle thefts a year.

Commute Time in Gulf Shores

The more time you spend in your car the higher the risk of an accident. The average commute length in Gulf Shores, AL is 23.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Gulf Shores, AL

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

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Average Monthly Car Insurance Rates by State