Buy Cheap Gardendale, AL Auto Insurance (2021)

Gardendale, AL auto insurance rates average $337 a month. Minimum auto insurance requirements in Gardendale, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Gardendale, AL, compare Gardendale 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 Gardendale, AL are $337/month
  • Average auto insurance rates in Gardendale, AL after a DUI are $4,592/year
  • Average auto insurance rates in Gardendale, AL for teens drivers are $8,338/year

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

See how Gardendale, AL car insurance rates compare to Madison auto insurance rates, Decatur auto insurance rates, and Huntsville auto insurance rates before you read more about the cost of auto insurance in Gardendale.

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

Gardendale, AL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Gardendale, Alabama

Insurance Company Poor Fair Good
Allstate $4,288 $3,387 $2,772
Farmers $5,246 $4,524 $4,286
GEICO $4,135 $2,945 $2,664
Liberty Mutual $8,028 $4,935 $3,869
Nationwide $3,458 $2,696 $2,438
Progressive $5,706 $4,905 $4,586
State Farm $9,300 $4,701 $3,190
Travelers $3,847 $3,344 $3,409
USAA $2,854 $1,857 $1,657

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gardendale, 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 $2,062 $1,956 $1,875 $1,910 $7,442 $7,997 $2,286 $2,329
Farmers $2,647 $2,623 $2,362 $2,517 $10,461 $10,755 $3,006 $3,111
GEICO $2,292 $2,292 $2,178 $2,261 $6,182 $6,096 $2,423 $2,261
Liberty Mutual $3,226 $3,482 $2,637 $2,948 $12,074 $13,422 $3,436 $3,659
Nationwide $1,850 $1,872 $1,686 $1,743 $4,989 $6,415 $2,059 $2,302
Progressive $2,731 $2,548 $2,238 $2,406 $11,379 $12,662 $3,189 $3,374
State Farm $3,429 $3,429 $3,130 $3,130 $10,821 $13,512 $3,885 $4,504
Travelers $1,404 $1,423 $1,327 $1,322 $7,744 $12,217 $1,331 $1,501
USAA $1,318 $1,336 $1,230 $1,202 $3,951 $4,378 $1,717 $1,850

Buy Cheap Gardendale, AL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gardendale, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,442 $7,997
Farmers $10,461 $10,755
GEICO $6,182 $6,096
Liberty Mutual $12,074 $13,422
Nationwide $4,989 $6,415
Progressive $11,379 $12,662
State Farm $10,821 $13,512
Travelers $7,744 $12,217
USAA $3,951 $4,378

Buy Cheap Gardendale, AL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gardendale, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,875 $1,910
Farmers $2,362 $2,517
GEICO $2,178 $2,261
Liberty Mutual $2,637 $2,948
Nationwide $1,686 $1,743
Progressive $2,238 $2,406
State Farm $3,130 $3,130
Travelers $1,327 $1,322
USAA $1,230 $1,202

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

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

Annual Auto Insurance Rates by Coverage Level in Gardendale, Alabama

Insurance Company Low Medium High
Allstate $3,352 $3,476 $3,618
Farmers $4,408 $4,621 $5,027
GEICO $3,005 $3,236 $3,504
Liberty Mutual $5,363 $5,585 $5,884
Nationwide $2,858 $2,838 $2,897
Progressive $4,543 $5,034 $5,621
State Farm $5,402 $5,725 $6,064
Travelers $3,349 $3,603 $3,648
USAA $2,049 $2,112 $2,208

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Find Cheap Gardendale, AL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Gardendale, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,482 $3,482
Farmers $4,685 $4,685
GEICO $3,191 $3,305
Liberty Mutual $5,611 $5,611
Nationwide $2,864 $2,864
Progressive $5,066 $5,066
State Farm $5,591 $5,870
Travelers $3,534 $3,534
USAA $2,026 $2,220

Find Cheap Gardendale, AL Auto Insurance Rates by Driving Record

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

Annual Gardendale, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,940 $3,482 $4,167 $3,341
Farmers $3,937 $5,108 $4,982 $4,714
GEICO $2,174 $3,528 $4,396 $2,894
Liberty Mutual $4,394 $6,136 $5,985 $5,927
Nationwide $2,505 $2,505 $3,650 $2,797
Progressive $4,574 $5,767 $4,906 $5,016
State Farm $5,142 $6,449 $5,665 $5,665
Travelers $2,943 $3,086 $4,532 $3,574
USAA $1,632 $2,051 $3,043 $1,765

Find Cheap Gardendale, AL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gardendale, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,167
Farmers $4,982
GEICO $4,396
Liberty Mutual $5,985
Nationwide $3,650
Progressive $4,906
State Farm $5,665
Travelers $4,532
USAA $3,043

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

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

Best Annual Auto Insurance Rates by Company in Gardendale, 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 Gardendale, Alabama Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gardendale, Alabama

Insurance Company Average Annual Rates
Allstate $3,482
Farmers $4,685
GEICO $3,248
Liberty Mutual $5,611
Nationwide $2,864
Progressive $5,066
State Farm $5,730
Travelers $3,534
USAA $2,123

What affects Gardendale, Alabama auto insurance rates?

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

Auto Theft in Gardendale

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gardendale, AL auto theft show a total of 22 vehicle thefts annually.

Commute Times in Gardendale

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gardendale, AL is 24.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Gardendale, AL

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

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