Compare Valley, AL Car Insurance Rates (2021)

Car insurance in Valley, AL averages $306 a month. Valley, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Valley car insurance rates, compare quotes from the top car insurance companies in Valley, 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 Valley, AL after a DUI are $4,196/year
  • Average car insurance rates in Valley, AL are $3,670/year
  • The cheapest car insurance company in Valley for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Valley, AL car insurance rates? Every Valley, 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 Valley, 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 $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,128 $2,108 $1,997 $2,040 $5,489 $5,415 $2,246 $2,105
Liberty Mutual $3,048 $3,293 $2,497 $2,794 $11,076 $12,321 $3,250 $3,465
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,232 $2,104 $1,832 $1,944 $9,023 $10,091 $2,622 $2,803
State Farm $2,851 $2,851 $2,573 $2,573 $8,515 $10,689 $3,219 $3,696
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,377 $1,398 $1,285 $1,259 $4,109 $4,556 $1,794 $1,938

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Minimum Car Insurance in Valley, AL

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

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

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

Annual Car Insurance Rates by Credit Score in Valley, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,887 $4,192 $3,976
GEICO $3,742 $2,668 $2,413
Liberty Mutual $7,473 $4,582 $3,598
Nationwide $3,155 $2,458 $2,223
Progressive $4,617 $3,946 $3,681
State Farm $7,495 $3,792 $2,575
Travelers $4,298 $3,727 $3,800
USAA $2,977 $1,937 $1,729

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

Annual Valley, 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 $3,669 $4,724 $4,608 $4,404
GEICO $1,999 $3,186 $3,902 $2,678
Liberty Mutual $4,093 $5,695 $5,572 $5,511
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,692 $4,625 $3,956 $4,052
State Farm $4,179 $5,161 $4,572 $4,572
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,702 $2,137 $3,177 $1,842

Cheapest Valley, AL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Valley, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $9,410 $9,698
GEICO $5,489 $5,415
Liberty Mutual $11,076 $12,321
Nationwide $4,446 $5,755
Progressive $9,023 $10,091
State Farm $8,515 $10,689
Travelers $8,574 $13,577
USAA $4,109 $4,556

Cheapest Valley, AL Car Insurance for Seniors

Take a look at Valley, 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 Valley, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,283 $2,410
GEICO $1,997 $2,040
Liberty Mutual $2,497 $2,794
Nationwide $1,564 $1,624
Progressive $1,832 $1,944
State Farm $2,573 $2,573
Travelers $1,484 $1,481
USAA $1,285 $1,259

Cheapest Valley, AL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Valley, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,610
Farmers $4,608
GEICO $3,902
Liberty Mutual $5,572
Nationwide $3,331
Progressive $3,956
State Farm $4,572
Travelers $5,038
USAA $3,177

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Cheapest Valley, AL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Valley, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,352 $4,352
GEICO $2,886 $2,996
Liberty Mutual $5,218 $5,218
Nationwide $2,612 $2,612
Progressive $4,081 $4,081
State Farm $4,508 $4,734
Travelers $3,941 $3,941
USAA $2,113 $2,316

The Best Cheap Car Insurance Companies in Valley, AL

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

Average Annual Car Insurance Rates by Company in Valley, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,352
GEICO $2,941
Liberty Mutual $5,218
Nationwide $2,612
Progressive $4,081
State Farm $4,621
Travelers $3,941
USAA $2,214

Category Winners: Cheapest Car Insurance in Valley, Alabama

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

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

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

Annual Car Insurance Rates by Coverage Level in Valley, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $4,139 $4,302 $4,613
GEICO $2,736 $2,929 $3,159
Liberty Mutual $4,981 $5,194 $5,479
Nationwide $2,607 $2,586 $2,642
Progressive $3,694 $4,063 $4,488
State Farm $4,366 $4,616 $4,882
Travelers $3,728 $4,021 $4,076
USAA $2,136 $2,203 $2,304

What affects car insurance rates in Valley, Alabama?

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

Car Theft in Valley

High levels of vehicle theft can make car insurance more expensive. Valley, AL car theft statistics from the FBI indicate 38 vehicle thefts a year.

Commute Time in Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Valley, AL is 22.7 minutes according to City-Data.

Compare Car Insurance Quotes in Valley, AL

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

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Average Monthly Car Insurance Rates by State