Buy Cheap Gulf Shores, AL Auto Insurance (2021)

Gulf Shores, AL auto insurance rates average $298 a month. Minimum auto insurance requirements in Gulf Shores, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Gulf Shores, AL, compare Gulf Shores 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 Gulf Shores, AL after a DUI are $4,088/year
  • Average auto insurance rates in Gulf Shores, AL for teens drivers are $7,348/year
  • The most expensive auto insurance company in Gulf Shores after a DUI is Liberty Mutual

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

See how Gulf Shores, AL car insurance rates compare to Decatur auto insurance rates, Mobile auto insurance rates, and Birmingham auto insurance rates before you read more about the cost of auto insurance in Gulf Shores.

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

Gulf Shores, AL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Gulf Shores, 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 Gulf Shores, AL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Gulf Shores, Alabama

Insurance Company Poor Fair Good
Allstate $3,850 $3,031 $2,479
Farmers $4,535 $3,908 $3,704
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,829 $4,130 $3,852
State Farm $6,900 $3,495 $2,376
Travelers $4,583 $3,978 $4,055
USAA $2,604 $1,707 $1,527

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gulf Shores, 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 $1,867 $1,777 $1,693 $1,725 $6,589 $7,101 $2,082 $2,124
Farmers $2,306 $2,288 $2,059 $2,192 $8,989 $9,246 $2,611 $2,703
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,026 $3,268 $2,482 $2,777 $11,136 $12,384 $3,218 $3,422
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,348 $2,206 $1,930 $2,056 $9,447 $10,540 $2,741 $2,896
State Farm $2,578 $2,578 $2,348 $2,348 $7,962 $9,967 $2,916 $3,358
Travelers $1,676 $1,702 $1,576 $1,570 $9,202 $14,523 $1,583 $1,810
USAA $1,214 $1,231 $1,138 $1,117 $3,602 $3,990 $1,576 $1,701

Buy Cheap Gulf Shores, AL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gulf Shores, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,589 $7,101
Farmers $8,989 $9,246
GEICO $4,934 $4,812
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $7,962 $9,967
Travelers $9,202 $14,523
USAA $3,602 $3,990

Buy Cheap Gulf Shores, AL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gulf Shores, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,693 $1,725
Farmers $2,059 $2,192
GEICO $1,795 $1,862
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,930 $2,056
State Farm $2,348 $2,348
Travelers $1,576 $1,570
USAA $1,138 $1,117

Find Cheap Auto Insurance Rates in Gulf Shores, AL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gulf Shores, Alabama

Insurance Company Low Medium High
Allstate $3,019 $3,116 $3,224
Farmers $3,811 $3,994 $4,342
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,804 $4,247 $4,760
State Farm $4,002 $4,252 $4,517
Travelers $3,995 $4,289 $4,332
USAA $1,869 $1,934 $2,035

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Find Cheap Gulf Shores, AL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Gulf Shores, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,120 $3,120
Farmers $4,049 $4,049
GEICO $2,571 $2,665
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,270 $4,270
State Farm $4,152 $4,362
Travelers $4,205 $4,205
USAA $1,857 $2,035

Find Cheap Gulf Shores, AL Auto Insurance Rates by ZIP Code

Auto insurance rates in Gulf Shores, Alabama can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Gulf Shores, AL to see how much where you live in Gulf Shores affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Gulf Shores, Alabama

ZIP Code Average Annual Rates
36542 $3,711
36561 $3,688

Find Cheap Gulf Shores, AL Auto Insurance Rates by Driving Record

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

Annual Gulf Shores, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,647 $3,123 $3,713 $2,996
Farmers $3,408 $4,412 $4,304 $4,073
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,852 $4,833 $4,164 $4,232
State Farm $3,831 $4,777 $4,210 $4,210
Travelers $3,498 $3,671 $5,390 $4,262
USAA $1,500 $1,882 $2,782 $1,622

Find Cheap Gulf Shores, AL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gulf Shores, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,713
Farmers $4,304
GEICO $3,520
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,164
State Farm $4,210
Travelers $5,390
USAA $2,782

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

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

Best Annual Auto Insurance Rates by Company in Gulf Shores, 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 Gulf Shores, Alabama Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gulf Shores, Alabama

Insurance Company Average Annual Rates
Allstate $3,120
Farmers $4,049
GEICO $2,618
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,270
State Farm $4,257
Travelers $4,205
USAA $1,946

What affects Gulf Shores, Alabama auto insurance rates?

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

Auto Theft in Gulf Shores

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Gulf Shores, AL auto theft show a total of 25 vehicle thefts annually.

Commute Times in Gulf Shores

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gulf Shores, AL is 23.9 minutes according to City-Data.

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Compare Auto Insurance Quotes in Gulf Shores, AL

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

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