Compare Spruce Pine, AL Car Insurance Rates (2021)

Car insurance in Spruce Pine, AL averages $289 a month. Spruce Pine, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spruce Pine car insurance rates, compare quotes from the top car insurance companies in Spruce Pine, 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 Spruce Pine is USAA
  • Average car insurance rates in Spruce Pine, AL are $3,465/year
  • Average car insurance rates in Spruce Pine, AL after a DUI are $3,948/year

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

You’ll find Spruce Pine car insurance rates, the cheapest Spruce Pine, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Spruce Pine, Alabama car insurance rates to Dothan car insurance rates, Hoover car insurance rates, and Huntsville car insurance rates.

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

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

How do age, gender, and marital status affect Spruce Pine, AL car insurance rates? Every Spruce Pine, 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 Spruce Pine, 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 $1,916 $1,833 $1,727 $1,761 $6,483 $6,962 $2,161 $2,216
Farmers $2,304 $2,287 $2,061 $2,182 $8,764 $9,021 $2,629 $2,749
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,949 $3,190 $2,423 $2,712 $10,388 $11,559 $3,148 $3,362
Nationwide $1,762 $1,783 $1,605 $1,661 $4,672 $6,014 $1,957 $2,187
Progressive $2,372 $2,235 $1,938 $2,073 $9,446 $10,554 $2,771 $2,939
State Farm $2,615 $2,615 $2,358 $2,358 $7,795 $9,768 $2,952 $3,401
Travelers $1,305 $1,324 $1,230 $1,225 $6,916 $10,834 $1,238 $1,410
USAA $1,274 $1,295 $1,187 $1,164 $3,761 $4,171 $1,657 $1,790

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Minimum Car Insurance in Spruce Pine, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Spruce Pine, Alabama

Insurance Company Poor Fair Good
Allstate $3,877 $3,037 $2,484
Farmers $4,488 $3,856 $3,655
GEICO $3,352 $2,393 $2,165
Liberty Mutual $7,122 $4,354 $3,423
Nationwide $3,266 $2,547 $2,303
Progressive $4,862 $4,147 $3,863
State Farm $6,860 $3,475 $2,363
Travelers $3,474 $3,013 $3,069
USAA $2,744 $1,780 $1,588

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

Annual Spruce Pine, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,677 $3,142 $3,700 $3,011
Farmers $3,363 $4,348 $4,240 $4,047
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,901 $5,410 $5,310 $5,244
Nationwide $2,367 $2,367 $3,444 $2,642
Progressive $3,884 $4,858 $4,153 $4,268
State Farm $3,829 $4,727 $4,188 $4,188
Travelers $2,654 $2,785 $4,071 $3,232
USAA $1,568 $1,965 $2,921 $1,696

Cheapest Spruce Pine, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spruce Pine, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,483 $6,962
Farmers $8,764 $9,021
GEICO $4,918 $4,831
Liberty Mutual $10,388 $11,559
Nationwide $4,672 $6,014
Progressive $9,446 $10,554
State Farm $7,795 $9,768
Travelers $6,916 $10,834
USAA $3,761 $4,171

Cheapest Spruce Pine, AL Car Insurance for Seniors

Take a look at Spruce Pine, 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 Spruce Pine, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,727 $1,761
Farmers $2,061 $2,182
GEICO $1,804 $1,850
Liberty Mutual $2,423 $2,712
Nationwide $1,605 $1,661
Progressive $1,938 $2,073
State Farm $2,358 $2,358
Travelers $1,230 $1,225
USAA $1,187 $1,164

Cheapest Spruce Pine, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spruce Pine, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,700
Farmers $4,240
GEICO $3,504
Liberty Mutual $5,310
Nationwide $3,444
Progressive $4,153
State Farm $4,188
Travelers $4,071
USAA $2,921

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Cheapest Spruce Pine, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spruce Pine, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,133 $3,133
Farmers $4,000 $4,000
GEICO $2,587 $2,686
Liberty Mutual $4,966 $4,966
Nationwide $2,705 $2,705
Progressive $4,291 $4,291
State Farm $4,131 $4,334
Travelers $3,185 $3,185
USAA $1,944 $2,130

The Best Cheap Car Insurance Companies in Spruce Pine, AL

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

Average Annual Car Insurance Rates by Company in Spruce Pine, Alabama

Insurance Company Average Annual Rates
Allstate $3,133
Farmers $4,000
GEICO $2,637
Liberty Mutual $4,966
Nationwide $2,705
Progressive $4,291
State Farm $4,233
Travelers $3,185
USAA $2,037

Category Winners: Cheapest Car Insurance in Spruce Pine, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Spruce Pine, Alabama

Insurance Company Low Medium High
Allstate $3,032 $3,127 $3,238
Farmers $3,797 $3,952 $4,250
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,740 $4,943 $5,216
Nationwide $2,698 $2,680 $2,738
Progressive $3,845 $4,264 $4,763
State Farm $4,009 $4,227 $4,462
Travelers $3,022 $3,249 $3,285
USAA $1,967 $2,027 $2,117

Compare Car Insurance Quotes in Spruce Pine, AL

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

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Average Monthly Car Insurance Rates by State