Buy Cheap Fort Payne, AL Auto Insurance in 2024
Fort Payne, AL auto insurance rates average $293 a month. Minimum auto insurance requirements in Fort Payne, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Fort Payne, AL, compare Fort Payne auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Fort Payne, AL for teens drivers are $7,153/year
- Average auto insurance rates in Fort Payne, AL are $293/month
- The most expensive auto insurance company in Fort Payne after a DUI is Liberty Mutual
Finding affordable Fort Payne, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Fort Payne, AL auto insurance with confidence is right here. Auto insurance rates in Fort Payne are affected by local factors as well as personal ones like your driving record.
See how Fort Payne, AL car insurance rates compare to Birmingham auto insurance rates, Hoover auto insurance rates, and Tuscaloosa auto insurance rates before you read more about the cost of auto insurance in Fort Payne.
Don’t buy Fort Payne, AL auto insurance until you’ve compared rates. Get free Fort Payne, Alabama auto insurance quotes when you enter your ZIP code above.
Fort Payne, AL Minimum Auto Insurance Requirements
The required auto insurance in Fort Payne, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Fort Payne, Alabama is outlined here.
| 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 |
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Find Cheap Fort Payne, AL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Fort Payne, AL. Take a look at Fort Payne, Alabama auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,790 | $2,969 | $2,428 |
| Farmers | $4,390 | $3,774 | $3,577 |
| Geico | $3,592 | $2,562 | $2,318 |
| Liberty Mutual | $7,687 | $4,707 | $3,696 |
| Nationwide | $3,075 | $2,402 | $2,174 |
| Progressive | $4,501 | $3,849 | $3,590 |
| State Farm | $6,818 | $3,454 | $2,349 |
| Travelers | $4,065 | $3,524 | $3,590 |
| USAA | $2,655 | $1,728 | $1,543 |
Buy Cheap Fort Payne, AL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Fort Payne, Alabama auto insurance rates? Find out how car insurance rates in Fort Payne, AL are impacted by demographics.
| 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 | $1,870 | $1,787 | $1,690 | $1,722 | $6,354 | $6,829 | $2,100 | $2,151 |
| Farmers | $2,254 | $2,237 | $2,016 | $2,134 | $8,577 | $8,828 | $2,572 | $2,690 |
| Geico | $2,034 | $2,021 | $1,927 | $1,978 | $5,284 | $5,207 | $2,142 | $2,000 |
| Liberty Mutual | $3,136 | $3,389 | $2,566 | $2,870 | $11,371 | $12,648 | $3,350 | $3,578 |
| Nationwide | $1,667 | $1,687 | $1,523 | $1,574 | $4,394 | $5,642 | $1,850 | $2,063 |
| Progressive | $2,173 | $2,044 | $1,778 | $1,898 | $8,825 | $9,857 | $2,547 | $2,717 |
| State Farm | $2,573 | $2,573 | $2,329 | $2,329 | $7,813 | $9,769 | $2,907 | $3,362 |
| Travelers | $1,520 | $1,544 | $1,426 | $1,420 | $8,098 | $12,710 | $1,439 | $1,654 |
| USAA | $1,231 | $1,250 | $1,149 | $1,126 | $3,657 | $4,056 | $1,603 | $1,729 |
Buy Cheap Fort Payne, AL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Fort Payne can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fort Payne, AL are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,354 | $6,829 |
| Farmers | $8,577 | $8,828 |
| Geico | $5,284 | $5,207 |
| Liberty Mutual | $11,371 | $12,648 |
| Nationwide | $4,394 | $5,642 |
| Progressive | $8,825 | $9,857 |
| State Farm | $7,813 | $9,769 |
| Travelers | $8,098 | $12,710 |
| USAA | $3,657 | $4,056 |
Buy Cheap Fort Payne, AL Auto Insurance for Seniors
You can save on senior auto insurance rates in Fort Payne, Alabama by comparing Fort Payne senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fort Payne, AL here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,690 | $1,722 |
| Farmers | $2,016 | $2,134 |
| Geico | $1,927 | $1,978 |
| Liberty Mutual | $2,566 | $2,870 |
| Nationwide | $1,523 | $1,574 |
| Progressive | $1,778 | $1,898 |
| State Farm | $2,329 | $2,329 |
| Travelers | $1,426 | $1,420 |
| USAA | $1,149 | $1,126 |
Find Cheap Auto Insurance Rates in Fort Payne, AL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Fort Payne, Alabama auto insurance. Compare Fort Payne, AL auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,965 | $3,057 | $3,166 |
| Farmers | $3,717 | $3,868 | $4,156 |
| Geico | $2,613 | $2,811 | $3,048 |
| Liberty Mutual | $5,132 | $5,339 | $5,619 |
| Nationwide | $2,532 | $2,529 | $2,590 |
| Progressive | $3,598 | $3,958 | $4,383 |
| State Farm | $3,982 | $4,201 | $4,437 |
| Travelers | $3,546 | $3,801 | $3,832 |
| USAA | $1,905 | $1,965 | $2,056 |
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Find Cheap Fort Payne, AL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Fort Payne. Compare auto insurance rates in Fort Payne, AL by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,063 | $3,063 |
| Farmers | $3,913 | $3,913 |
| Geico | $2,773 | $2,875 |
| Liberty Mutual | $5,363 | $5,363 |
| Nationwide | $2,550 | $2,550 |
| Progressive | $3,980 | $3,980 |
| State Farm | $4,106 | $4,307 |
| Travelers | $3,727 | $3,727 |
| USAA | $1,885 | $2,065 |
Find Cheap Fort Payne, AL Auto Insurance Rates by ZIP Code
Auto insurance rates in Fort Payne, Alabama can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Fort Payne, AL to see how much where you live in Fort Payne affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 35967 | $3,592 |
| 35968 | $3,620 |
Find Cheap Fort Payne, AL Auto Insurance Rates by Driving Record
Auto insurance rates in Fort Payne, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fort Payne, AL, take a look at the average cost for various violations versus rates for a clean driving record in Fort Payne.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,614 | $3,068 | $3,624 | $2,944 |
| Farmers | $3,291 | $4,254 | $4,149 | $3,960 |
| Geico | $1,912 | $3,060 | $3,769 | $2,555 |
| Liberty Mutual | $4,206 | $5,854 | $5,729 | $5,665 |
| Nationwide | $2,236 | $2,236 | $3,238 | $2,491 |
| Progressive | $3,604 | $4,517 | $3,846 | $3,954 |
| State Farm | $3,795 | $4,710 | $4,161 | $4,161 |
| Travelers | $3,102 | $3,256 | $4,764 | $3,783 |
| USAA | $1,520 | $1,908 | $2,828 | $1,644 |
Find Cheap Fort Payne, AL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Fort Payne, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Fort Payne for less when you shop around and compare rates from multiple Fort Payne, AL auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,624 |
| Farmers | $4,149 |
| Geico | $3,769 |
| Liberty Mutual | $5,729 |
| Nationwide | $3,238 |
| Progressive | $3,846 |
| State Farm | $4,161 |
| Travelers | $4,764 |
| USAA | $2,828 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Fort Payne, AL
Compare rates from the cheapest auto insurance companies in Fort Payne, AL for your needs. Take a look at how Fort Payne, Alabama auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Fort Payne, Alabama Auto Insurance Companies
If you’re looking for the cheapest Fort Payne, AL auto insurance companies overall, you can compare them here. Find the best price for Fort Payne, Alabama car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,063 |
| Farmers | $3,913 |
| Geico | $2,824 |
| Liberty Mutual | $5,363 |
| Nationwide | $2,550 |
| Progressive | $3,980 |
| State Farm | $4,207 |
| Travelers | $3,727 |
| USAA | $1,975 |
What affects Fort Payne, Alabama auto insurance rates?
Local factors affect auto insurance rates in Fort Payne, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Fort Payne auto insurance rates.
Commute Times in Fort Payne
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fort Payne, AL is 18.9 minutes according to City-Data.
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Compare Auto Insurance Quotes in Fort Payne, AL
You can buy cheap Fort Payne, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fort Payne, Alabama auto insurance quotes from top companies.
Frequently Asked Questions
What factors can affect the cost of auto insurance in Fort Payne, AL?
Several factors can influence the cost of auto insurance in Fort Payne, AL. These include your age, driving history, the type of vehicle you drive, your credit score, the coverage limits you choose, and the deductible amount. Additionally, factors such as the crime rate and traffic congestion in your area may also impact your insurance premiums.
How can I find cheap auto insurance in Fort Payne, AL?
To find cheap auto insurance in Fort Payne, AL, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Bundle policies: Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, to potentially save on premiums.
- Increase deductibles: Opting for a higher deductible can lower your premiums, but ensure you can afford the deductible amount in case of an accident.
- Maintain a good driving record: A clean driving history with no accidents or traffic violations can help reduce your insurance costs.
- Drive a safe vehicle: Cars with safety features or lower theft rates may qualify for lower insurance premiums.
- Ask about discounts: Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for completing a defensive driving course.
Are there any specific auto insurance requirements in Fort Payne, AL?
Yes, Fort Payne, AL follows the auto insurance requirements set by the state of Alabama. Drivers in Alabama are required to carry liability insurance with minimum coverage limits of 25/50/25. This means $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.
How can I lower my auto insurance premiums in Fort Payne, AL?
Here are some strategies to lower your auto insurance premiums in Fort Payne, AL:
- Maintain a good credit score: A higher credit score can often result in lower insurance premiums.
- Consider usage-based or pay-as-you-drive insurance: Some insurers offer programs where your premiums are based on your actual driving habits, potentially leading to lower costs if you drive safely and less frequently.
- Review your coverage regularly: Assess your insurance needs periodically and adjust your coverage accordingly to avoid paying for unnecessary extras.
- Drive safely and avoid accidents: A clean driving record helps maintain lower premiums over time.
- Ask about additional discounts: Inquire with your insurance provider about any available discounts that you may qualify for, such as loyalty discounts, military discounts, or discounts for being part of certain professional organizations.
What should I do if I can’t afford auto insurance in Fort Payne, AL?
It’s important to maintain auto insurance coverage to comply with state laws and protect yourself financially. If you’re facing financial difficulties, consider the following options:
- Adjust your coverage: Speak with your insurance provider to see if there are any lower-cost coverage options that still meet the minimum requirements.
- Seek out discounts: Inquire about available discounts that could help reduce your premiums.
- Explore state assistance programs: Some states offer assistance programs for low-income individuals to obtain auto insurance at reduced rates.
- Consider payment plans: Check with your insurance provider if they offer flexible payment plans to spread out the cost of your premiums over time.
- Seek advice from an insurance professional: Consult with an insurance agent or broker who can guide you through potential options or help you find the most affordable coverage for your situation.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.