Compare Opelika, AL Car Insurance Rates (2021)

Car insurance in Opelika, AL averages $290 a month. Opelika, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Opelika car insurance rates, compare quotes from the top car insurance companies in Opelika, 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

  • The cheapest car insurance company in Opelika is USAA
  • The cheapest car insurance company in Opelika for teen drivers is USAA
  • Average car insurance rates in Opelika, AL after a DUI are $3,969/year

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

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

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

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

How do age, gender, and marital status affect Opelika, AL car insurance rates? Every Opelika, 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 Opelika, 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 $2,200 $2,184 $1,966 $2,088 $8,468 $8,714 $2,497 $2,595
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $2,973 $3,214 $2,439 $2,731 $10,754 $11,965 $3,168 $3,375
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,272 $2,123 $1,868 $1,998 $9,384 $10,450 $2,651 $2,801
State Farm $2,714 $2,714 $2,460 $2,460 $8,255 $10,344 $3,067 $3,530
Travelers $1,330 $1,350 $1,247 $1,243 $6,967 $10,922 $1,263 $1,448
USAA $1,338 $1,358 $1,250 $1,224 $3,994 $4,426 $1,742 $1,881

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Minimum Car Insurance in Opelika, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Opelika, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,304 $3,703 $3,510
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,269 $4,459 $3,504
Nationwide $3,056 $2,387 $2,160
Progressive $4,726 $4,060 $3,794
State Farm $7,204 $3,647 $2,478
Travelers $3,515 $3,046 $3,103
USAA $2,891 $1,883 $1,681

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

Annual Opelika, 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 $3,231 $4,178 $4,076 $3,870
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $3,986 $5,539 $5,423 $5,362
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,780 $4,761 $4,086 $4,147
State Farm $4,007 $4,975 $4,395 $4,395
Travelers $2,686 $2,819 $4,110 $3,270
USAA $1,655 $2,077 $3,085 $1,790

Cheapest Opelika, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Opelika, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,468 $8,714
GEICO $5,231 $5,122
Liberty Mutual $10,754 $11,965
Nationwide $4,321 $5,576
Progressive $9,384 $10,450
State Farm $8,255 $10,344
Travelers $6,967 $10,922
USAA $3,994 $4,426

Cheapest Opelika, AL Car Insurance for Seniors

Take a look at Opelika, 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 Opelika, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $1,966 $2,088
GEICO $1,897 $1,951
Liberty Mutual $2,439 $2,731
Nationwide $1,522 $1,577
Progressive $1,868 $1,998
State Farm $2,460 $2,460
Travelers $1,247 $1,243
USAA $1,250 $1,224

Cheapest Opelika, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Opelika, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,076
GEICO $3,713
Liberty Mutual $5,423
Nationwide $3,225
Progressive $4,086
State Farm $4,395
Travelers $4,110
USAA $3,085

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Cheapest Opelika, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Opelika, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $3,839 $3,839
GEICO $2,734 $2,836
Liberty Mutual $5,077 $5,077
Nationwide $2,534 $2,534
Progressive $4,193 $4,193
State Farm $4,334 $4,552
Travelers $3,221 $3,221
USAA $2,053 $2,250

Cheapest Opelika, AL Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Opelika, Alabama

ZIP Code Average Annual Rates
36801 $3,540
36804 $3,582

The Best Cheap Car Insurance Companies in Opelika, AL

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

Average Annual Car Insurance Rates by Company in Opelika, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $3,839
GEICO $2,785
Liberty Mutual $5,077
Nationwide $2,534
Progressive $4,193
State Farm $4,443
Travelers $3,221
USAA $2,152

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Category Winners: Cheapest Car Insurance in Opelika, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Opelika, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,623 $3,789 $4,105
GEICO $2,572 $2,773 $3,010
Liberty Mutual $4,841 $5,053 $5,339
Nationwide $2,517 $2,512 $2,574
Progressive $3,736 $4,170 $4,675
State Farm $4,189 $4,438 $4,702
Travelers $3,060 $3,285 $3,318
USAA $2,075 $2,140 $2,240

What affects car insurance rates in Opelika, Alabama?

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

Car Theft in Opelika

High levels of vehicle theft can make car insurance more expensive. Opelika, AL car theft statistics from the FBI indicate 80 vehicle thefts a year.

Commute Time in Opelika

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

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Compare Car Insurance Quotes in Opelika, AL

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

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Average Monthly Car Insurance Rates by State