Compare Hoover, AL Car Insurance Rates (2021)

Car insurance in Hoover, AL averages $328 a month. Hoover, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hoover car insurance rates, compare quotes from the top car insurance companies in Hoover, AL.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Hoover, AL after a DUI are $4,496/year
  • The cheapest car insurance company in Hoover is USAA
  • The cheapest car insurance company in Hoover for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Hoover, AL car insurance rates? Every Hoover, 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 Hoover, 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 $2,125 $2,014 $1,936 $1,972 $7,767 $8,368 $2,350 $2,390
Farmers $2,489 $2,467 $2,219 $2,366 $9,961 $10,251 $2,830 $2,928
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,914 $3,143 $2,388 $2,671 $11,001 $12,227 $3,091 $3,276
Nationwide $1,842 $1,864 $1,679 $1,736 $4,958 $6,376 $2,050 $2,292
Progressive $2,574 $2,391 $2,127 $2,263 $11,254 $12,539 $3,025 $3,245
State Farm $3,385 $3,385 $3,092 $3,092 $10,751 $13,432 $3,838 $4,446
Travelers $1,441 $1,461 $1,364 $1,359 $8,030 $12,689 $1,366 $1,538
USAA $1,322 $1,339 $1,234 $1,205 $3,967 $4,395 $1,722 $1,855

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Minimum Car Insurance in Hoover, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Hoover, Alabama

Insurance Company Poor Fair Good
Allstate $4,448 $3,519 $2,878
Farmers $4,966 $4,288 $4,062
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,260 $4,485 $3,522
Nationwide $3,439 $2,683 $2,426
Progressive $5,515 $4,780 $4,487
State Farm $9,223 $4,655 $3,154
Travelers $3,979 $3,460 $3,528
USAA $2,863 $1,863 $1,663

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

Annual Hoover, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,048 $3,615 $4,331 $3,467
Farmers $3,729 $4,841 $4,722 $4,463
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $3,990 $5,567 $5,424 $5,374
Nationwide $2,492 $2,492 $3,631 $2,782
Progressive $4,430 $5,628 $4,802 $4,849
State Farm $5,091 $6,395 $5,612 $5,612
Travelers $3,044 $3,191 $4,693 $3,695
USAA $1,637 $2,058 $3,053 $1,771

Cheapest Hoover, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hoover, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,767 $8,368
Farmers $9,961 $10,251
GEICO $5,892 $5,777
Liberty Mutual $11,001 $12,227
Nationwide $4,958 $6,376
Progressive $11,254 $12,539
State Farm $10,751 $13,432
Travelers $8,030 $12,689
USAA $3,967 $4,395

Cheapest Hoover, AL Car Insurance for Seniors

Take a look at Hoover, 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 Hoover, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $1,972
Farmers $2,219 $2,366
GEICO $2,089 $2,177
Liberty Mutual $2,388 $2,671
Nationwide $1,679 $1,736
Progressive $2,127 $2,263
State Farm $3,092 $3,092
Travelers $1,364 $1,359
USAA $1,234 $1,205

Cheapest Hoover, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hoover, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,331
Farmers $4,722
GEICO $4,199
Liberty Mutual $5,424
Nationwide $3,631
Progressive $4,802
State Farm $5,612
Travelers $4,693
USAA $3,053

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Cheapest Hoover, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hoover, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,615 $3,615
Farmers $4,439 $4,439
GEICO $3,039 $3,144
Liberty Mutual $5,089 $5,089
Nationwide $2,849 $2,849
Progressive $4,927 $4,927
State Farm $5,538 $5,817
Travelers $3,656 $3,656
USAA $2,032 $2,227

Cheapest Hoover, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Hoover, Alabama

ZIP Code Average Annual Rates
35216 $4,031
35244 $4,090

The Best Cheap Car Insurance Companies in Hoover, AL

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

Average Annual Car Insurance Rates by Company in Hoover, Alabama

Insurance Company Average Annual Rates
Allstate $3,615
Farmers $4,439
GEICO $3,092
Liberty Mutual $5,089
Nationwide $2,849
Progressive $4,927
State Farm $5,677
Travelers $3,656
USAA $2,130

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Category Winners: Cheapest Car Insurance in Hoover, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Hoover, Alabama

Insurance Company Low Medium High
Allstate $3,479 $3,610 $3,757
Farmers $4,173 $4,376 $4,768
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,852 $5,065 $5,350
Nationwide $2,839 $2,824 $2,885
Progressive $4,439 $4,910 $5,433
State Farm $5,348 $5,674 $6,010
Travelers $3,464 $3,728 $3,776
USAA $2,055 $2,119 $2,216

What affects car insurance rates in Hoover, Alabama?

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

Commute Time in Hoover

The more time you spend in your car the higher the risk of an accident. The average commute length in Hoover, AL is 23.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Hoover, AL

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

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