Buy Cheap Cullman, AL Auto Insurance (2021)

Cullman, AL auto insurance rates average $303 a month. Minimum auto insurance requirements in Cullman, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Cullman, AL, compare Cullman auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Cullman after a DUI is Liberty Mutual
  • Average auto insurance rates in Cullman, AL for teens drivers are $7,422/year
  • Average auto insurance rates in Cullman, AL are $303/month

Finding affordable Cullman, Alabama auto insurance can be challenging, but everything you need to know to buy cheap Cullman, AL auto insurance with confidence is right here. Auto insurance rates in Cullman are affected by local factors as well as personal ones like your driving record.

See how Cullman, AL car insurance rates compare to Birmingham auto insurance rates, Montgomery auto insurance rates, and Huntsville auto insurance rates before you read more about the cost of auto insurance in Cullman.

Don’t buy Cullman, AL auto insurance until you’ve compared rates. Get free Cullman, Alabama auto insurance quotes when you enter your ZIP code above.

Cullman, AL Minimum Auto Insurance Requirements

The required auto insurance in Cullman, AL is 25/50/25 according to the auto insurance laws in Alabama. The minimum auto insurance in Cullman, Alabama is outlined here.

Minimum Required Auto Insurance Coverage in Cullman, 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 Cullman, AL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Cullman, AL. Take a look at Cullman, Alabama auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Cullman, Alabama

Insurance Company Poor Fair Good
Allstate $4,086 $3,212 $2,628
Farmers $4,746 $4,085 $3,870
GEICO $3,952 $2,817 $2,547
Liberty Mutual $7,335 $4,499 $3,531
Nationwide $3,158 $2,466 $2,232
Progressive $4,652 $3,995 $3,732
State Farm $7,926 $4,015 $2,730
Travelers $3,447 $2,991 $3,048
USAA $2,880 $1,873 $1,671

Buy Cheap Cullman, AL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Cullman, Alabama auto insurance rates? Find out how car insurance rates in Cullman, AL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Cullman, 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 $1,996 $1,903 $1,803 $1,837 $6,934 $7,457 $2,243 $2,297
Farmers $2,419 $2,399 $2,161 $2,294 $9,349 $9,617 $2,758 $2,874
GEICO $2,214 $2,204 $2,102 $2,167 $5,867 $5,781 $2,333 $2,175
Liberty Mutual $2,984 $3,223 $2,448 $2,735 $10,900 $12,116 $3,179 $3,388
Nationwide $1,711 $1,732 $1,561 $1,615 $4,509 $5,801 $1,899 $2,121
Progressive $2,239 $2,091 $1,838 $1,971 $9,234 $10,279 $2,608 $2,751
State Farm $2,960 $2,960 $2,693 $2,693 $9,153 $11,442 $3,348 $3,870
Travelers $1,284 $1,303 $1,209 $1,206 $6,869 $10,822 $1,219 $1,384
USAA $1,327 $1,347 $1,238 $1,211 $3,987 $4,421 $1,733 $1,868

Buy Cheap Cullman, AL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Cullman can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Cullman, AL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Cullman, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,934 $7,457
Farmers $9,349 $9,617
GEICO $5,867 $5,781
Liberty Mutual $10,900 $12,116
Nationwide $4,509 $5,801
Progressive $9,234 $10,279
State Farm $9,153 $11,442
Travelers $6,869 $10,822
USAA $3,987 $4,421

Buy Cheap Cullman, AL Auto Insurance for Seniors

You can save on senior auto insurance rates in Cullman, Alabama by comparing Cullman senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Cullman, AL here.

Annual Auto Insurance Rates for Senior Drivers in Cullman, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,803 $1,837
Farmers $2,161 $2,294
GEICO $2,102 $2,167
Liberty Mutual $2,448 $2,735
Nationwide $1,561 $1,615
Progressive $1,838 $1,971
State Farm $2,693 $2,693
Travelers $1,209 $1,206
USAA $1,238 $1,211

Find Cheap Auto Insurance Rates in Cullman, AL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Cullman, Alabama auto insurance. Compare Cullman, AL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Cullman, Alabama

Insurance Company Low Medium High
Allstate $3,209 $3,304 $3,414
Farmers $4,007 $4,181 $4,512
GEICO $2,875 $3,092 $3,349
Liberty Mutual $4,891 $5,098 $5,376
Nationwide $2,600 $2,597 $2,660
Progressive $3,667 $4,101 $4,611
State Farm $4,610 $4,884 $5,177
Travelers $2,990 $3,225 $3,272
USAA $2,067 $2,130 $2,227

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Find Cheap Cullman, AL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Cullman. Compare auto insurance rates in Cullman, AL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Cullman, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,309 $3,309
Farmers $4,234 $4,234
GEICO $3,051 $3,159
Liberty Mutual $5,122 $5,122
Nationwide $2,619 $2,619
Progressive $4,126 $4,126
State Farm $4,771 $5,009
Travelers $3,162 $3,162
USAA $2,044 $2,239

Find Cheap Cullman, AL Auto Insurance Rates by Driving Record

Auto insurance rates in Cullman, Alabama are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Cullman, AL, take a look at the average cost for various violations versus rates for a clean driving record in Cullman.

Annual Cullman, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,813 $3,313 $3,931 $3,178
Farmers $3,558 $4,607 $4,494 $4,276
GEICO $2,087 $3,376 $4,174 $2,784
Liberty Mutual $4,015 $5,594 $5,467 $5,411
Nationwide $2,293 $2,293 $3,331 $2,558
Progressive $3,720 $4,686 $4,018 $4,082
State Farm $4,400 $5,489 $4,836 $4,836
Travelers $2,637 $2,766 $4,040 $3,205
USAA $1,646 $2,068 $3,071 $1,780

Find Cheap Cullman, AL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Cullman, Alabama is higher than for a clean driving record. You can buy auto insurance after a DUI in Cullman for less when you shop around and compare rates from multiple Cullman, AL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Cullman, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,931
Farmers $4,494
GEICO $4,174
Liberty Mutual $5,467
Nationwide $3,331
Progressive $4,018
State Farm $4,836
Travelers $4,040
USAA $3,071

Winners by Category: Where to Buy Cheap Auto Insurance in Cullman, AL

Compare rates from the cheapest auto insurance companies in Cullman, AL for your needs. Take a look at how Cullman, Alabama auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Cullman, Alabama

Category Insurance Company
Teenagers USAA
Seniors Travelers
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Find Cheap Cullman, Alabama Auto Insurance Companies

If you’re looking for the cheapest Cullman, AL auto insurance companies overall, you can compare them here. Find the best price for Cullman, Alabama car insurance by company.

Average Annual Auto Insurance Rates by Company in Cullman, Alabama

Insurance Company Average Annual Rates
Allstate $3,309
Farmers $4,234
GEICO $3,105
Liberty Mutual $5,122
Nationwide $2,619
Progressive $4,126
State Farm $4,890
Travelers $3,162
USAA $2,141

What affects Cullman, Alabama auto insurance rates?

Local factors affect auto insurance rates in Cullman, AL, including traffic, theft statistics, and commute length. Take a look at the things that impact Cullman auto insurance rates.

Auto Theft in Cullman

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Cullman, AL auto theft show a total of 44 vehicle thefts annually.

Commute Times in Cullman

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cullman, AL is 20.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Cullman, AL

You can buy cheap Cullman, AL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Cullman, Alabama auto insurance quotes from top companies.

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