Best Sheffield, AL Car Insurance in 2025
Car insurance in Sheffield, AL averages $282 a month. Sheffield, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Sheffield car insurance rates, compare quotes from the top car insurance companies in Sheffield, AL.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated October 2024
- The cheapest car insurance company in Sheffield for teen drivers is USAA
- Average car insurance rates in Sheffield, AL after a DUI are $3,866/year
- Average car insurance rates in Sheffield, AL are $3,384/year
If you need to buy Sheffield, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Sheffield, AL is right here.
You’ll find Sheffield car insurance rates, the cheapest Sheffield, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Sheffield, Alabama car insurance rates to Huntsville car insurance rates, Montgomery car insurance rates, and Mobile car insurance rates.
Ready to find affordable Sheffield, AL car insurance today? Enter your ZIP code for fast, free Sheffield car insurance quotes.
Cheapest Sheffield, AL Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sheffield, AL car insurance rates? Every Sheffield, Alabama car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,090 | $2,076 | $1,865 | $1,987 | $8,269 | $8,515 | $2,365 | $2,444 |
| 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 | $2,121 | $1,978 | $1,744 | $1,864 | $8,942 | $9,967 | $2,477 | $2,634 |
| State Farm | $2,623 | $2,623 | $2,391 | $2,391 | $8,150 | $10,200 | $2,968 | $3,420 |
| Travelers | $1,409 | $1,429 | $1,332 | $1,326 | $7,771 | $12,309 | $1,331 | $1,502 |
| 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 Sheffield, AL
Every driver must carry the minimum car insurance required by the state in Sheffield, AL. Take a look at the Alabama car insurance requirements.
| 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 Sheffield, AL Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Sheffield, AL. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Sheffield from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,796 | $2,978 | $2,437 |
| Farmers | $4,143 | $3,574 | $3,387 |
| Geico | $3,352 | $2,393 | $2,165 |
| Liberty Mutual | $6,916 | $4,255 | $3,342 |
| Nationwide | $2,835 | $2,216 | $2,007 |
| Progressive | $4,459 | $3,843 | $3,596 |
| State Farm | $7,045 | $3,567 | $2,425 |
| Travelers | $3,868 | $3,360 | $3,426 |
| USAA | $2,683 | $1,749 | $1,562 |
Cheapest Sheffield, AL Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Sheffield, AL to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,616 | $3,075 | $3,639 | $2,950 |
| Farmers | $3,115 | $4,036 | $3,938 | $3,717 |
| 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 | $3,570 | $4,511 | $3,868 | $3,914 |
| State Farm | $3,908 | $4,881 | $4,297 | $4,297 |
| Travelers | $2,957 | $3,101 | $4,549 | $3,597 |
| USAA | $1,538 | $1,933 | $2,859 | $1,662 |
Cheapest Sheffield, AL Car Insurance for Teen Drivers
Teen car insurance in Sheffield, AL can be expensive. Take a look at rates from the top car insurance companies in Sheffield for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,402 | $6,874 |
| Farmers | $8,269 | $8,515 |
| Geico | $4,918 | $4,831 |
| Liberty Mutual | $10,328 | $11,482 |
| Nationwide | $4,020 | $5,157 |
| Progressive | $8,942 | $9,967 |
| State Farm | $8,150 | $10,200 |
| Travelers | $7,771 | $12,309 |
| USAA | $3,726 | $4,122 |
Cheapest Sheffield, AL Car Insurance for Seniors
Take a look at Sheffield, AL rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,686 | $1,718 |
| Farmers | $1,865 | $1,987 |
| Geico | $1,804 | $1,850 |
| Liberty Mutual | $2,308 | $2,580 |
| Nationwide | $1,421 | $1,468 |
| Progressive | $1,744 | $1,864 |
| State Farm | $2,391 | $2,391 |
| Travelers | $1,332 | $1,326 |
| USAA | $1,160 | $1,130 |
Cheapest Sheffield, AL Car Insurance Rates After a DUI
A DUI in Sheffield, AL increases car insurance rates. Compare Sheffield, Alabama car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,639 |
| Farmers | $3,938 |
| Geico | $3,504 |
| Liberty Mutual | $5,161 |
| Nationwide | $2,979 |
| Progressive | $3,868 |
| State Farm | $4,297 |
| Travelers | $4,549 |
| USAA | $2,859 |
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Cheapest Sheffield, AL Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sheffield, AL by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,070 | $3,070 |
| Farmers | $3,701 | $3,701 |
| Geico | $2,587 | $2,686 |
| Liberty Mutual | $4,838 | $4,838 |
| Nationwide | $2,353 | $2,353 |
| Progressive | $3,966 | $3,966 |
| State Farm | $4,238 | $4,453 |
| Travelers | $3,551 | $3,551 |
| USAA | $1,907 | $2,089 |
The Best Cheap Car Insurance Companies in Sheffield, AL
Take a look at a side-by-side comparison of the top car insurance companies in Sheffield, AL to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,070 |
| Farmers | $3,701 |
| Geico | $2,637 |
| Liberty Mutual | $4,838 |
| Nationwide | $2,353 |
| Progressive | $3,966 |
| State Farm | $4,346 |
| Travelers | $3,551 |
| USAA | $1,998 |
Category Winners: Cheapest Car Insurance in Sheffield, Alabama
Find the cheapest car insurance companies in Sheffield, AL for each category right here.
| 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 Sheffield, AL Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Sheffield car insurance rates. Find the cheapest Sheffield, AL car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,970 | $3,065 | $3,175 |
| Farmers | $3,473 | $3,647 | $3,984 |
| Geico | $2,437 | $2,625 | $2,848 |
| Liberty Mutual | $4,609 | $4,814 | $5,090 |
| Nationwide | $2,330 | $2,333 | $2,395 |
| Progressive | $3,528 | $3,946 | $4,423 |
| State Farm | $4,083 | $4,341 | $4,613 |
| Travelers | $3,341 | $3,622 | $3,690 |
| USAA | $1,926 | $1,987 | $2,080 |
What affects car insurance rates in Sheffield, Alabama?
What are the factors that affect car insurance rates in Sheffield, AL? There are several reasons why Sheffield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sheffield, Alabama.
Car Theft in Sheffield
High levels of vehicle theft can make car insurance more expensive. Sheffield, AL car theft statistics from the FBI indicate 39 vehicle thefts a year.
Commute Time in Sheffield
The more time you spend in your car the higher the risk of an accident. The average commute length in Sheffield, AL is 21.1 minutes according to City-Data.
Compare Car Insurance Quotes in Sheffield, AL
Ready to find affordable Sheffield, Alabama car insurance today? Enter your ZIP code for fast, free Sheffield, AL car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Sheffield, AL?
The average monthly car insurance rate in Sheffield, AL is $282.
What are the car insurance requirements in Sheffield, Alabama?
The car insurance requirements in Sheffield, AL are 25/50/25. However, if your car is financed, you might need full coverage insurance.
How can I find cheap car insurance rates in Sheffield, AL?
To find cheap car insurance rates in Sheffield, AL, you should compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Sheffield, AL?
Every car insurance company in Sheffield, AL weighs age, gender, and marital status differently. It’s important to compare rates to find the best option for your specific situation.
What is the minimum car insurance required in Sheffield, AL?
Every driver in Sheffield, AL must carry the minimum car insurance required by the state. You can find the Alabama car insurance requirements for more information.
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