Buy Cheap Shelby, AL Auto Insurance (2021)

Shelby, AL auto insurance rates average $310 a month. Minimum auto insurance requirements in Shelby, Alabama are 25/50/25 to comply with Alabama laws. To buy cheap auto insurance in Shelby, AL, compare Shelby 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 Shelby is Liberty Mutual
  • Average auto insurance rates in Shelby, AL for teens drivers are $7,660/year
  • Average auto insurance rates in Shelby, AL after a DUI are $4,242/year

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

See how Shelby, AL car insurance rates compare to Birmingham auto insurance rates, Dothan auto insurance rates, and Montgomery auto insurance rates before you read more about the cost of auto insurance in Shelby.

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

Shelby, AL Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Shelby, Alabama

Insurance Company Poor Fair Good
Allstate $4,138 $3,258 $2,666
Farmers $4,806 $4,145 $3,927
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,182 $4,422 $3,473
Nationwide $3,092 $2,418 $2,189
Progressive $5,402 $4,644 $4,342
State Farm $7,975 $4,032 $2,736
Travelers $3,958 $3,435 $3,502
USAA $2,933 $1,904 $1,699

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Shelby, 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 $2,010 $1,914 $1,818 $1,853 $7,078 $7,604 $2,252 $2,302
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,907 $3,138 $2,384 $2,666 $10,769 $11,971 $3,090 $3,283
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,578 $2,413 $2,115 $2,258 $10,751 $12,006 $3,020 $3,226
State Farm $2,979 $2,979 $2,704 $2,704 $9,189 $11,494 $3,370 $3,896
Travelers $1,455 $1,477 $1,369 $1,365 $7,923 $12,521 $1,377 $1,567
USAA $1,359 $1,379 $1,267 $1,241 $4,035 $4,473 $1,767 $1,910

Buy Cheap Shelby, AL Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shelby, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,078 $7,604
Farmers $9,571 $9,840
GEICO $5,204 $5,101
Liberty Mutual $10,769 $11,971
Nationwide $4,422 $5,679
Progressive $10,751 $12,006
State Farm $9,189 $11,494
Travelers $7,923 $12,521
USAA $4,035 $4,473

Buy Cheap Shelby, AL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shelby, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,818 $1,853
Farmers $2,170 $2,311
GEICO $1,878 $1,947
Liberty Mutual $2,384 $2,666
Nationwide $1,532 $1,583
Progressive $2,115 $2,258
State Farm $2,704 $2,704
Travelers $1,369 $1,365
USAA $1,267 $1,241

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

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

Annual Auto Insurance Rates by Coverage Level in Shelby, Alabama

Insurance Company Low Medium High
Allstate $3,238 $3,350 $3,474
Farmers $4,039 $4,235 $4,605
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,793 $5,002 $5,282
Nationwide $2,541 $2,546 $2,611
Progressive $4,300 $4,772 $5,316
State Farm $4,643 $4,909 $5,190
Travelers $3,435 $3,704 $3,756
USAA $2,104 $2,168 $2,265

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Find Cheap Shelby, AL Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Shelby, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,354 $3,354
Farmers $4,293 $4,293
GEICO $2,707 $2,804
Liberty Mutual $5,026 $5,026
Nationwide $2,566 $2,566
Progressive $4,796 $4,796
State Farm $4,795 $5,034
Travelers $3,632 $3,632
USAA $2,079 $2,279

Find Cheap Shelby, AL Auto Insurance Rates by Driving Record

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

Annual Shelby, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,846 $3,361 $3,989 $3,220
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $3,942 $5,492 $5,361 $5,308
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $4,327 $5,455 $4,656 $4,746
State Farm $4,424 $5,514 $4,860 $4,860
Travelers $3,026 $3,174 $4,648 $3,680
USAA $1,675 $2,102 $3,126 $1,812

Find Cheap Shelby, AL Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shelby, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,989
Farmers $4,565
GEICO $3,711
Liberty Mutual $5,361
Nationwide $3,259
Progressive $4,656
State Farm $4,860
Travelers $4,648
USAA $3,126

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

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

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

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

Average Annual Auto Insurance Rates by Company in Shelby, Alabama

Insurance Company Average Annual Rates
Allstate $3,354
Farmers $4,293
GEICO $2,755
Liberty Mutual $5,026
Nationwide $2,566
Progressive $4,796
State Farm $4,914
Travelers $3,632
USAA $2,179

What affects Shelby, Alabama auto insurance rates?

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

Commute Times in Shelby

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Shelby, AL is 34.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Shelby, AL

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

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