Compare Muscle Shoals, AL Car Insurance Rates (2021)

Car insurance in Muscle Shoals, AL averages $280 a month. Muscle Shoals, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Muscle Shoals car insurance rates, compare quotes from the top car insurance companies in Muscle Shoals, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Muscle Shoals is USAA
  • Average car insurance rates in Muscle Shoals, AL are $3,354/year
  • Average car insurance rates in Muscle Shoals, AL after a DUI are $3,827/year

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

You’ll find Muscle Shoals car insurance rates, the cheapest Muscle Shoals, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Muscle Shoals, Alabama car insurance rates to Birmingham car insurance rates, Tuscaloosa car insurance rates, and Hoover car insurance rates.

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

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

How do age, gender, and marital status affect Muscle Shoals, AL car insurance rates? Every Muscle Shoals, 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 Muscle Shoals, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,117 $2,100 $1,890 $2,014 $8,315 $8,550 $2,396 $2,475
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,153 $2,007 $1,769 $1,895 $9,011 $10,033 $2,509 $2,654
State Farm $2,590 $2,590 $2,361 $2,361 $8,037 $10,062 $2,930 $3,372
Travelers $1,324 $1,343 $1,248 $1,243 $7,118 $11,213 $1,255 $1,424
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

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Minimum Car Insurance in Muscle Shoals, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Muscle Shoals, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,179 $3,603 $3,415
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,505 $3,879 $3,628
State Farm $6,951 $3,520 $2,393
Travelers $3,565 $3,094 $3,153
USAA $2,683 $1,749 $1,562

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

Annual Muscle Shoals, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,141 $4,069 $3,970 $3,750
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,604 $4,551 $3,906 $3,954
State Farm $3,856 $4,816 $4,240 $4,240
Travelers $2,726 $2,860 $4,182 $3,315
USAA $1,538 $1,933 $2,859 $1,662

Cheapest Muscle Shoals, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Muscle Shoals, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,315 $8,550
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $9,011 $10,033
State Farm $8,037 $10,062
Travelers $7,118 $11,213
USAA $3,726 $4,122

Cheapest Muscle Shoals, AL Car Insurance for Seniors

Take a look at Muscle Shoals, 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 Muscle Shoals, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,890 $2,014
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,769 $1,895
State Farm $2,361 $2,361
Travelers $1,248 $1,243
USAA $1,160 $1,130

Cheapest Muscle Shoals, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Muscle Shoals, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,639
Farmers $3,970
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $3,906
State Farm $4,240
Travelers $4,182
USAA $2,859

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Cheapest Muscle Shoals, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Muscle Shoals, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,732 $3,732
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $4,004 $4,004
State Farm $4,182 $4,394
Travelers $3,271 $3,271
USAA $1,907 $2,089

The Best Cheap Car Insurance Companies in Muscle Shoals, AL

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

Average Annual Car Insurance Rates by Company in Muscle Shoals, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,732
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $4,004
State Farm $4,288
Travelers $3,271
USAA $1,998

Category Winners: Cheapest Car Insurance in Muscle Shoals, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Muscle Shoals, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,505 $3,680 $4,012
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,551 $3,982 $4,479
State Farm $4,025 $4,283 $4,556
Travelers $3,092 $3,336 $3,384
USAA $1,926 $1,987 $2,080

What affects car insurance rates in Muscle Shoals, Alabama?

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

Car Theft in Muscle Shoals

High levels of vehicle theft can make car insurance more expensive. Muscle Shoals, AL car theft statistics from the FBI indicate 65 vehicle thefts a year.

Commute Time in Muscle Shoals

The more time you spend in your car the higher the risk of an accident. The average commute length in Muscle Shoals, AL is 19.6 minutes according to City-Data.

Compare Car Insurance Quotes in Muscle Shoals, AL

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

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Average Monthly Car Insurance Rates by State