Buy Cheap Fort Payne, AL Auto Insurance (2021)

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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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

  • 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.

Minimum Required Auto Insurance Coverage in Fort Payne, 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 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.

Annual Auto Insurance Rates by Credit Score in Fort Payne, Alabama

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fort Payne, 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 $1,870 $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.

Annual Auto Insurance Rates for Teen Drivers in Fort Payne, Alabama

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.

Annual Auto Insurance Rates for Senior Drivers in Fort Payne, Alabama

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.

Annual Auto Insurance Rates by Coverage Level in Fort Payne, Alabama

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.

Annual Auto Insurance Rates by Commute Length in Fort Payne, Alabama

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.

Annual Auto Insurance Rates by ZIP Code in Fort Payne, Alabama

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.

Annual Fort Payne, Alabama Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Fort Payne, Alabama

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.

Best Annual Auto Insurance Rates by Company in Fort Payne, Alabama

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.

Average Annual Auto Insurance Rates by Company in Fort Payne, Alabama

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.

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