Buy Cheap Valley, AL Auto Insurance in 2024
Valley, AL auto insurance rates average $306 a month. Minimum auto insurance requirements in Valley, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Valley, AL, compare Valley auto insurance quotes from top companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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
- The most expensive auto insurance company in Valley after a DUI is Liberty Mutual
- Average auto insurance rates in Valley, AL after a DUI are $4,196/year
- The most expensive auto insurance company in Valley is Liberty Mutual
Finding affordable Valley, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Valley, AL auto insurance with confidence is right here. Auto insurance rates in Valley are affected by local factors as well as personal ones like your driving record.
See how Valley, AL car insurance rates compare to Birmingham auto insurance rates, Mobile auto insurance rates, and Huntsville auto insurance rates before you read more about the cost of auto insurance in Valley.
Don’t buy Valley, AL auto insurance until you’ve compared rates. Get free Valley, Alabama auto insurance quotes when you enter your ZIP code above.
Valley, AL Minimum Auto Insurance Requirements
The required auto insurance in Valley, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Valley, Alabama is outlined here.
Minimum Required Auto 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 |
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Find Cheap Valley, AL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Valley, AL. Take a look at Valley, Alabama auto insurance rates by credit history.
Annual Auto 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 |
Buy Cheap Valley, AL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Valley, Alabama auto insurance rates? Find out how car insurance rates in Valley, AL are impacted by demographics.
Annual Auto 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 |
Buy Cheap Valley, AL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Valley can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Valley, AL are listed here.
Annual Auto 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 |
Buy Cheap Valley, AL Auto Insurance for Seniors
You can save on senior auto insurance rates in Valley, Alabama by comparing Valley senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Valley, AL here.
Annual Auto 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 |
Find Cheap Auto Insurance Rates in Valley, AL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Valley, Alabama auto insurance. Compare Valley, AL auto insurance rates by coverage level.
Annual Auto 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 |
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Find Cheap Valley, AL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Valley. Compare auto insurance rates in Valley, AL by commute length to see how your daily commute impacts your rates.
Annual Auto 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 |
Find Cheap Valley, AL Auto Insurance Rates by Driving Record
Auto insurance rates in Valley, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Valley, AL, take a look at the average cost for various violations versus rates for a clean driving record in Valley.
Annual Valley, Alabama Auto 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 |
Find Cheap Valley, AL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Valley, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Valley for less when you shop around and compare rates from multiple Valley, AL auto insurance companies.
Annual Auto Insurance Rates After a DUI in Valley, Alabama
| Insurance Company | Annual Auto 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 |
Winners by Category: Where to Buy Cheap Auto Insurance in Valley, AL
Compare rates from the cheapest auto insurance companies in Valley, AL for your needs. Take a look at how Valley, Alabama auto insurance companies stack up for each category.
Best Annual Auto 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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Find Cheap Valley, Alabama Auto Insurance Companies
If you’re looking for the cheapest Valley, AL auto insurance companies overall, you can compare them here. Find the best price for Valley, Alabama car insurance by company.
Average Annual Auto 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 |
What affects Valley, Alabama auto insurance rates?
Local factors affect auto insurance rates in Valley, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Valley auto insurance rates.
Auto Theft in Valley
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Valley, AL auto theft show a total of 38 vehicle thefts annually.
Commute Times in Valley
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Valley, AL is 22.7 minutes according to City-Data.
Compare Auto Insurance Quotes in Valley, AL
You can buy cheap Valley, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Valley, Alabama auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Valley, AL?
To find cheap auto insurance in Valley, AL, you can take the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options specific to Valley, AL.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Consider local insurers: Some regional or local insurance companies may offer competitive rates tailored to the Valley, AL area.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in Valley, AL?
Several factors can influence the cost of auto insurance in Valley, AL. Some of the key factors include:
- Location: Insurance rates can vary based on where you live due to factors like traffic density, crime rates, and accident statistics specific to Valley, AL.
- Vehicle specifications: The year, make, and model of your vehicle, as well as its safety features and repair costs, can impact insurance rates.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums.
- Age and gender: Younger drivers and male drivers often pay higher premiums due to statistical risk factors.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductible you opt for, can affect your insurance costs.
- Credit history: In some states, insurance companies consider credit-based insurance scores when determining rates. However, regulations regarding this practice may vary.
Are there any local insurance companies in Valley, AL that offer affordable auto insurance?
Yes, there are local insurance companies in Valley, AL that may offer affordable auto insurance options. Some regional or local insurers often cater specifically to the needs of the local community and may provide competitive rates. Consider reaching out to local insurance agents or using online resources to explore insurance options from local companies in Valley, AL.
What are some common discounts I should inquire about when shopping for auto insurance in Valley, AL?
When shopping for auto insurance in Valley, AL, you should inquire about the following common discounts:
- Safe driver discount: If you have a clean driving record without accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you or a covered family member is a student with good grades, you may qualify for a discount.
- Safety features discount: Ask about discounts for safety features in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems.
- Low mileage discount: If you drive fewer miles annually, you may be eligible for a discount as it reduces the risk of accidents.
Can I get cheap auto insurance in Valley, AL if I have a less-than-perfect driving record?
While a less-than-perfect driving record may impact your auto insurance premiums, it is still possible to find relatively affordable rates in Valley, AL. Here are a few suggestions:
- Compare quotes: Shop around and obtain quotes from multiple insurance providers. Some companies may be more lenient than others when considering driving records.
- Consider specialized insurers: Some insurance companies specialize in providing coverage for drivers with less-than-perfect records. They may offer competitive rates tailored to your situation.
- Take defensive driving courses: Completing a defensive driving course can demonstrate your commitment to safe driving and may qualify you for a discount.
- Improve your credit score: While not directly related to your driving record, improving your credit score can help lower your insurance rates in some states.
- Opt for higher deductibles: Choosing higher deductibles can lower your premiums, but be sure to set a deductible amount that you can comfortably afford in case of an accident.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
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.