Compare Needham, AL Car Insurance Rates (2021)

Car insurance in Needham, AL averages $312 a month. Needham, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Needham car insurance rates, compare quotes from the top car insurance companies in Needham, 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 Needham, AL are $3,747/year
  • The cheapest car insurance company in Needham for teen drivers is USAA
  • The cheapest car insurance company in Needham is USAA

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

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

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

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

How do age, gender, and marital status affect Needham, AL car insurance rates? Every Needham, 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 Needham, 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 $2,108 $2,025 $1,893 $1,931 $6,868 $7,365 $2,398 $2,468
Farmers $2,560 $2,544 $2,293 $2,416 $9,417 $9,702 $2,926 $3,078
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,209 $3,473 $2,631 $2,946 $11,280 $12,554 $3,433 $3,673
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,460 $2,320 $2,011 $2,149 $9,691 $10,827 $2,873 $3,039
State Farm $2,785 $2,785 $2,484 $2,484 $7,946 $9,992 $3,135 $3,598
Travelers $1,666 $1,694 $1,550 $1,548 $8,818 $13,900 $1,576 $1,831
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

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Minimum Car Insurance in Needham, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Needham, Alabama

Insurance Company Poor Fair Good
Allstate $4,198 $3,273 $2,675
Farmers $4,903 $4,208 $3,991
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,753 $4,730 $3,716
Nationwide $3,171 $2,467 $2,229
Progressive $5,016 $4,272 $3,976
State Farm $7,136 $3,613 $2,455
Travelers $4,445 $3,850 $3,923
USAA $2,984 $1,935 $1,726

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

Annual Needham, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,907 $3,397 $3,969 $3,254
Farmers $3,677 $4,738 $4,620 $4,433
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,238 $5,882 $5,776 $5,702
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $4,004 $5,000 $4,281 $4,400
State Farm $4,006 $4,885 $4,357 $4,357
Travelers $3,394 $3,563 $5,197 $4,138
USAA $1,703 $2,133 $3,182 $1,843

Cheapest Needham, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Needham, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,868 $7,365
Farmers $9,417 $9,702
GEICO $5,292 $5,199
Liberty Mutual $11,280 $12,554
Nationwide $4,418 $5,752
Progressive $9,691 $10,827
State Farm $7,946 $9,992
Travelers $8,818 $13,900
USAA $4,083 $4,536

Cheapest Needham, AL Car Insurance for Seniors

Take a look at Needham, 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 Needham, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,893 $1,931
Farmers $2,293 $2,416
GEICO $1,937 $1,974
Liberty Mutual $2,631 $2,946
Nationwide $1,577 $1,642
Progressive $2,011 $2,149
State Farm $2,484 $2,484
Travelers $1,550 $1,548
USAA $1,288 $1,268

Cheapest Needham, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Needham, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,969
Farmers $4,620
GEICO $3,748
Liberty Mutual $5,776
Nationwide $3,353
Progressive $4,281
State Farm $4,357
Travelers $5,197
USAA $3,182

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Cheapest Needham, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Needham, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,382 $3,382
Farmers $4,367 $4,367
GEICO $2,789 $2,899
Liberty Mutual $5,400 $5,400
Nationwide $2,623 $2,623
Progressive $4,421 $4,421
State Farm $4,297 $4,506
Travelers $4,073 $4,073
USAA $2,114 $2,317

The Best Cheap Car Insurance Companies in Needham, AL

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

Average Annual Car Insurance Rates by Company in Needham, Alabama

Insurance Company Average Annual Rates
Allstate $3,382
Farmers $4,367
GEICO $2,844
Liberty Mutual $5,400
Nationwide $2,623
Progressive $4,421
State Farm $4,401
Travelers $4,073
USAA $2,215

Category Winners: Cheapest Car Insurance in Needham, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Needham, Alabama

Insurance Company Low Medium High
Allstate $3,274 $3,374 $3,498
Farmers $4,180 $4,325 $4,597
GEICO $2,643 $2,832 $3,058
Liberty Mutual $5,165 $5,375 $5,659
Nationwide $2,624 $2,595 $2,649
Progressive $3,962 $4,393 $4,908
State Farm $4,193 $4,395 $4,616
Travelers $3,877 $4,155 $4,187
USAA $2,139 $2,204 $2,302

What affects car insurance rates in Needham, Alabama?

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

Commute Time in Needham

The more time you spend in your car the higher the risk of an accident. The average commute length in Needham, AL is 55.0 minutes according to City-Data.

Compare Car Insurance Quotes in Needham, AL

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

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Average Monthly Car Insurance Rates by State