Compare Loachapoka, AL Car Insurance Rates (2021)

Car insurance in Loachapoka, AL averages $302 a month. Loachapoka, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Loachapoka car insurance rates, compare quotes from the top car insurance companies in Loachapoka, 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 Loachapoka, AL after a DUI are $4,144/year
  • The cheapest car insurance company in Loachapoka is USAA
  • The cheapest car insurance company in Loachapoka for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Loachapoka, AL car insurance rates? Every Loachapoka, 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 Loachapoka, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,351 $2,329 $2,102 $2,224 $8,984 $9,241 $2,690 $2,814
GEICO $2,127 $2,102 $1,993 $2,033 $5,465 $5,384 $2,245 $2,102
Liberty Mutual $3,117 $3,368 $2,552 $2,853 $11,393 $12,670 $3,326 $3,549
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,115 $1,977 $1,742 $1,853 $8,963 $10,000 $2,484 $2,660
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,366 $1,386 $1,276 $1,249 $4,089 $4,532 $1,780 $1,921

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Minimum Car Insurance in Loachapoka, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Loachapoka, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,585 $3,949 $3,742
GEICO $3,729 $2,659 $2,405
Liberty Mutual $7,670 $4,701 $3,689
Nationwide $3,056 $2,387 $2,160
Progressive $4,468 $3,850 $3,605
State Farm $7,329 $3,709 $2,520
Travelers $4,298 $3,727 $3,800
USAA $2,956 $1,924 $1,718

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

Annual Loachapoka, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,438 $4,450 $4,338 $4,143
GEICO $1,994 $3,179 $3,878 $2,674
Liberty Mutual $4,197 $5,846 $5,716 $5,655
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,583 $4,525 $3,865 $3,925
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,691 $2,124 $3,155 $1,829

Cheapest Loachapoka, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Loachapoka, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,984 $9,241
GEICO $5,465 $5,384
Liberty Mutual $11,393 $12,670
Nationwide $4,321 $5,576
Progressive $8,963 $10,000
State Farm $8,309 $10,427
Travelers $8,574 $13,577
USAA $4,089 $4,532

Cheapest Loachapoka, AL Car Insurance for Seniors

Take a look at Loachapoka, 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 Loachapoka, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,102 $2,224
GEICO $1,993 $2,033
Liberty Mutual $2,552 $2,853
Nationwide $1,522 $1,577
Progressive $1,742 $1,853
State Farm $2,520 $2,520
Travelers $1,484 $1,481
USAA $1,276 $1,249

Cheapest Loachapoka, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Loachapoka, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,338
GEICO $3,878
Liberty Mutual $5,716
Nationwide $3,225
Progressive $3,865
State Farm $4,472
Travelers $5,038
USAA $3,155

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Cheapest Loachapoka, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Loachapoka, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,092 $4,092
GEICO $2,876 $2,987
Liberty Mutual $5,354 $5,354
Nationwide $2,534 $2,534
Progressive $3,974 $3,974
State Farm $4,410 $4,629
Travelers $3,941 $3,941
USAA $2,099 $2,300

The Best Cheap Car Insurance Companies in Loachapoka, AL

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

Average Annual Car Insurance Rates by Company in Loachapoka, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,092
GEICO $2,931
Liberty Mutual $5,354
Nationwide $2,534
Progressive $3,974
State Farm $4,519
Travelers $3,941
USAA $2,200

Category Winners: Cheapest Car Insurance in Loachapoka, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Loachapoka, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,898 $4,048 $4,330
GEICO $2,726 $2,919 $3,149
Liberty Mutual $5,117 $5,329 $5,615
Nationwide $2,517 $2,512 $2,574
Progressive $3,583 $3,958 $4,382
State Farm $4,278 $4,514 $4,767
Travelers $3,728 $4,021 $4,076
USAA $2,121 $2,188 $2,289

What affects car insurance rates in Loachapoka, Alabama?

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

Commute Time in Loachapoka

The more time you spend in your car the higher the risk of an accident. The average commute length in Loachapoka, AL is 32.6 minutes according to City-Data.

Compare Car Insurance Quotes in Loachapoka, AL

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

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Average Monthly Car Insurance Rates by State