Buy Cheap Muscle Shoals, AL Auto Insurance (2021)

Muscle Shoals, AL auto insurance rates average $280 a month. Minimum auto insurance requirements in Muscle Shoals, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Muscle Shoals, AL, compare Muscle Shoals 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 Muscle Shoals after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Muscle Shoals is Liberty Mutual
  • Average auto insurance rates in Muscle Shoals, AL after a DUI are $3,827/year

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

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

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

Muscle Shoals, AL Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Muscle Shoals, 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 Muscle Shoals, AL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Muscle Shoals, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,179 $3,603 $3,415
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,505 $3,879 $3,628
State Farm $6,951 $3,520 $2,393
Travelers $3,565 $3,094 $3,153
USAA $2,683 $1,749 $1,562

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Muscle Shoals, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,117 $2,100 $1,890 $2,014 $8,315 $8,550 $2,396 $2,475
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,153 $2,007 $1,769 $1,895 $9,011 $10,033 $2,509 $2,654
State Farm $2,590 $2,590 $2,361 $2,361 $8,037 $10,062 $2,930 $3,372
Travelers $1,324 $1,343 $1,248 $1,243 $7,118 $11,213 $1,255 $1,424
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

Buy Cheap Muscle Shoals, AL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Muscle Shoals, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,315 $8,550
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $9,011 $10,033
State Farm $8,037 $10,062
Travelers $7,118 $11,213
USAA $3,726 $4,122

Buy Cheap Muscle Shoals, AL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Muscle Shoals, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,890 $2,014
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,769 $1,895
State Farm $2,361 $2,361
Travelers $1,248 $1,243
USAA $1,160 $1,130

Find Cheap Auto Insurance Rates in Muscle Shoals, AL by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Muscle Shoals, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,505 $3,680 $4,012
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,551 $3,982 $4,479
State Farm $4,025 $4,283 $4,556
Travelers $3,092 $3,336 $3,384
USAA $1,926 $1,987 $2,080

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Find Cheap Muscle Shoals, AL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Muscle Shoals, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,732 $3,732
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $4,004 $4,004
State Farm $4,182 $4,394
Travelers $3,271 $3,271
USAA $1,907 $2,089

Find Cheap Muscle Shoals, AL Auto Insurance Rates by Driving Record

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

Annual Muscle Shoals, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,141 $4,069 $3,970 $3,750
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,604 $4,551 $3,906 $3,954
State Farm $3,856 $4,816 $4,240 $4,240
Travelers $2,726 $2,860 $4,182 $3,315
USAA $1,538 $1,933 $2,859 $1,662

Find Cheap Muscle Shoals, AL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Muscle Shoals, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,639
Farmers $3,970
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $3,906
State Farm $4,240
Travelers $4,182
USAA $2,859

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

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

Best Annual Auto Insurance Rates by Company in Muscle Shoals, 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 Muscle Shoals, Alabama Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Muscle Shoals, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,732
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $4,004
State Farm $4,288
Travelers $3,271
USAA $1,998

What affects Muscle Shoals, Alabama auto insurance rates?

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

Auto Theft in Muscle Shoals

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Muscle Shoals, AL auto theft show a total of 65 vehicle thefts annually.

Commute Times in Muscle Shoals

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Muscle Shoals, AL is 19.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Muscle Shoals, AL

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

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