Best Cheap Auto Insurance in Chatom, AL (2021)

The average Chatom, AL auto insurance rates are $313 per month. The minimum auto insurance in Chatom is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Chatom, Alabama, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Chatom for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Chatom, Alabama is 25/50/25
  • Average auto insurance rates in Chatom, AL for senior drivers are $2,002 per year

Chatom, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Chatom can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Chatom, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Chatom to other Alabama cities, including Tuscaloosa auto insurance rates, Huntsville auto insurance rates, and Decatur auto insurance rates to see how Chatom, Alabama auto insurance rates stack up.

Before you buy Chatom, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Chatom, Alabama auto insurance quotes.

Minimum Auto Insurance in Chatom, Alabama

Chatom, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Chatom, Alabama.

Minimum Required Auto Insurance Coverage in Chatom, 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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Cheap Chatom, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Chatom, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chatom, 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 $2,029 $1,947 $1,815 $1,853 $6,725 $7,209 $2,318 $2,389
Farmers $2,388 $2,369 $2,136 $2,260 $9,060 $9,324 $2,729 $2,858
GEICO $2,116 $2,085 $1,968 $1,996 $5,380 $5,307 $2,235 $2,099
Liberty Mutual $3,301 $3,570 $2,702 $3,025 $11,850 $13,185 $3,529 $3,769
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,432 $2,296 $1,991 $2,120 $9,685 $10,834 $2,849 $3,034
State Farm $3,060 $3,060 $2,717 $2,717 $8,518 $10,731 $3,440 $3,937
Travelers $1,610 $1,638 $1,497 $1,495 $8,363 $13,086 $1,527 $1,781
USAA $1,362 $1,388 $1,271 $1,252 $4,020 $4,464 $1,777 $1,925

Cheap Chatom, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Chatom, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Chatom, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Chatom, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,725 $7,209
Farmers $9,060 $9,324
GEICO $5,380 $5,307
Liberty Mutual $11,850 $13,185
Nationwide $4,418 $5,752
Progressive $9,685 $10,834
State Farm $8,518 $10,731
Travelers $8,363 $13,086
USAA $4,020 $4,464

Cheap Chatom, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Chatom, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Chatom, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,815 $1,853
Farmers $2,136 $2,260
GEICO $1,968 $1,996
Liberty Mutual $2,702 $3,025
Nationwide $1,577 $1,642
Progressive $1,991 $2,120
State Farm $2,717 $2,717
Travelers $1,497 $1,495
USAA $1,271 $1,252

Cheap Chatom, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Chatom, Alabama compared to the annual auto insurance rates with a clean record in Chatom, Alabama.

Annual Chatom, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,817 $3,301 $3,865 $3,159
Farmers $3,481 $4,500 $4,388 $4,193
GEICO $1,980 $3,144 $3,808 $2,661
Liberty Mutual $4,406 $6,125 $6,004 $5,930
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,988 $4,986 $4,266 $4,381
State Farm $4,358 $5,278 $4,726 $4,726
Travelers $3,228 $3,390 $4,941 $3,939
USAA $1,678 $2,102 $3,133 $1,816

Cheap Chatom, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Chatom, Alabama is not easy. Compare the annual rates for DUI auto insurance in Chatom, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Chatom, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,865
Farmers $4,388
GEICO $3,808
Liberty Mutual $6,004
Nationwide $3,353
Progressive $4,266
State Farm $4,726
Travelers $4,941
USAA $3,133

Cheap Chatom, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Chatom, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Chatom, Alabama

Insurance Company Poor Fair Good
Allstate $4,071 $3,182 $2,604
Farmers $4,644 $3,993 $3,785
GEICO $3,687 $2,629 $2,378
Liberty Mutual $8,051 $4,927 $3,870
Nationwide $3,171 $2,467 $2,229
Progressive $4,992 $4,257 $3,966
State Farm $7,733 $3,919 $2,665
Travelers $4,231 $3,662 $3,730
USAA $2,937 $1,908 $1,703

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Cheap Chatom, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Chatom, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Chatom, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Chatom, Alabama

ZIP Code Average Annual Rates
36518 $3,834

Cheap Chatom, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Chatom, Alabama auto insurance. Find the cheapest annual Chatom, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Chatom, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,286 $3,286
Farmers $4,141 $4,141
GEICO $2,842 $2,954
Liberty Mutual $5,616 $5,616
Nationwide $2,623 $2,623
Progressive $4,405 $4,405
State Farm $4,660 $4,885
Travelers $3,875 $3,875
USAA $2,082 $2,282

Cheap Chatom, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Chatom, Alabama? Check out the comparison of annual Chatom, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Chatom, Alabama

Insurance Company Low Medium High
Allstate $3,194 $3,281 $3,381
Farmers $3,941 $4,095 $4,386
GEICO $2,708 $2,886 $3,100
Liberty Mutual $5,378 $5,592 $5,879
Nationwide $2,624 $2,595 $2,649
Progressive $3,965 $4,381 $4,869
State Farm $4,554 $4,764 $4,999
Travelers $3,711 $3,952 $3,960
USAA $2,105 $2,171 $2,271

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Best By Category: Cheapest Auto Insurance in Chatom, Alabama

Compare the cheapest auto insurance companies in Chatom, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Chatom, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Chatom, Alabama Auto Insurance Companies

What auto insurance companies in Chatom, Alabama are the cheapest? Compare the top Chatom, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Chatom, Alabama

Insurance Company Average Annual Rates
Allstate $3,286
Farmers $4,141
GEICO $2,898
Liberty Mutual $5,616
Nationwide $2,623
Progressive $4,405
State Farm $4,772
Travelers $3,875
USAA $2,182

What affects auto insurance rates in Chatom, Alabama?

There are a lot of reasons why auto insurance rates in Chatom, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Chatom, Alabama. Many local factors may affect your Chatom auto insurance rates.

Chatom Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Chatom, Alabama auto theft statistics, there have been 4 auto thefts in the city.

Chatom Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chatom, Alabama commute length is 24.6 minutes according to City-Data.

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Compare Chatom, Alabama Auto Insurance Quotes

Before you buy Chatom, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Chatom, Alabama auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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