Buy Cheap Opelika, AL Auto Insurance (2021)

Opelika, AL auto insurance rates average $290 a month. Minimum auto insurance requirements in Opelika, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Opelika, AL, compare Opelika 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 Opelika, AL for teens drivers are $7,081/year
  • The most expensive auto insurance company in Opelika after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Opelika is Liberty Mutual

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

See how Opelika, AL car insurance rates compare to Madison auto insurance rates, Hoover auto insurance rates, and Auburn auto insurance rates before you read more about the cost of auto insurance in Opelika.

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

Opelika, AL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Opelika, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,304 $3,703 $3,510
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,269 $4,459 $3,504
Nationwide $3,056 $2,387 $2,160
Progressive $4,726 $4,060 $3,794
State Farm $7,204 $3,647 $2,478
Travelers $3,515 $3,046 $3,103
USAA $2,891 $1,883 $1,681

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Opelika, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,200 $2,184 $1,966 $2,088 $8,468 $8,714 $2,497 $2,595
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $2,973 $3,214 $2,439 $2,731 $10,754 $11,965 $3,168 $3,375
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,272 $2,123 $1,868 $1,998 $9,384 $10,450 $2,651 $2,801
State Farm $2,714 $2,714 $2,460 $2,460 $8,255 $10,344 $3,067 $3,530
Travelers $1,330 $1,350 $1,247 $1,243 $6,967 $10,922 $1,263 $1,448
USAA $1,338 $1,358 $1,250 $1,224 $3,994 $4,426 $1,742 $1,881

Buy Cheap Opelika, AL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Opelika, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,468 $8,714
GEICO $5,231 $5,122
Liberty Mutual $10,754 $11,965
Nationwide $4,321 $5,576
Progressive $9,384 $10,450
State Farm $8,255 $10,344
Travelers $6,967 $10,922
USAA $3,994 $4,426

Buy Cheap Opelika, AL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Opelika, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $1,966 $2,088
GEICO $1,897 $1,951
Liberty Mutual $2,439 $2,731
Nationwide $1,522 $1,577
Progressive $1,868 $1,998
State Farm $2,460 $2,460
Travelers $1,247 $1,243
USAA $1,250 $1,224

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

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

Annual Auto Insurance Rates by Coverage Level in Opelika, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,623 $3,789 $4,105
GEICO $2,572 $2,773 $3,010
Liberty Mutual $4,841 $5,053 $5,339
Nationwide $2,517 $2,512 $2,574
Progressive $3,736 $4,170 $4,675
State Farm $4,189 $4,438 $4,702
Travelers $3,060 $3,285 $3,318
USAA $2,075 $2,140 $2,240

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Find Cheap Opelika, AL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Opelika, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,052 $3,052
Farmers $3,839 $3,839
GEICO $2,734 $2,836
Liberty Mutual $5,077 $5,077
Nationwide $2,534 $2,534
Progressive $4,193 $4,193
State Farm $4,334 $4,552
Travelers $3,221 $3,221
USAA $2,053 $2,250

Find Cheap Opelika, AL Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Opelika, Alabama

ZIP Code Average Annual Rates
36801 $3,540
36804 $3,582

Find Cheap Opelika, AL Auto Insurance Rates by Driving Record

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

Annual Opelika, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,231 $4,178 $4,076 $3,870
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $3,986 $5,539 $5,423 $5,362
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,780 $4,761 $4,086 $4,147
State Farm $4,007 $4,975 $4,395 $4,395
Travelers $2,686 $2,819 $4,110 $3,270
USAA $1,655 $2,077 $3,085 $1,790

Find Cheap Opelika, AL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Opelika, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,610
Farmers $4,076
GEICO $3,713
Liberty Mutual $5,423
Nationwide $3,225
Progressive $4,086
State Farm $4,395
Travelers $4,110
USAA $3,085

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

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

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

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

Average Annual Auto Insurance Rates by Company in Opelika, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $3,839
GEICO $2,785
Liberty Mutual $5,077
Nationwide $2,534
Progressive $4,193
State Farm $4,443
Travelers $3,221
USAA $2,152

What affects Opelika, Alabama auto insurance rates?

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

Auto Theft in Opelika

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Opelika, AL auto theft show a total of 80 vehicle thefts annually.

Commute Times in Opelika

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

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Compare Auto Insurance Quotes in Opelika, AL

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

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