Best Cheap Auto Insurance in Daphne, AL (2021)

The average Daphne, AL auto insurance rates are $304 per month. The minimum auto insurance in Daphne is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Daphne, Alabama, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Daphne, AL for senior drivers are $1,909 per year
  • The cheapest auto insurance company in Daphne is USAA
  • The minimum auto insurance required in Daphne, Alabama is 25/50/25

Daphne, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Daphne 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 Daphne, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Daphne to other Alabama cities, including Hoover auto insurance rates, Auburn auto insurance rates, and Decatur auto insurance rates to see how Daphne, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Daphne, Alabama

Daphne, 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 Daphne, Alabama.

Minimum Required Auto Insurance Coverage in Daphne, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Daphne, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Daphne, 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 Daphne, 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 $1,944 $1,848 $1,762 $1,795 $6,914 $7,444 $2,168 $2,213
Farmers $2,322 $2,306 $2,074 $2,209 $9,067 $9,327 $2,628 $2,718
GEICO $1,980 $1,969 $1,893 $1,961 $5,246 $5,134 $2,089 $1,931
Liberty Mutual $3,172 $3,424 $2,595 $2,904 $11,797 $13,118 $3,375 $3,589
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,437 $2,277 $2,004 $2,138 $10,152 $11,324 $2,848 $3,027
State Farm $2,681 $2,681 $2,442 $2,442 $8,321 $10,409 $3,034 $3,500
Travelers $1,510 $1,533 $1,421 $1,416 $8,203 $12,921 $1,429 $1,631
USAA $1,234 $1,252 $1,156 $1,135 $3,653 $4,047 $1,601 $1,729

Cheap Daphne, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Daphne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,914 $7,444
Farmers $9,067 $9,327
GEICO $5,246 $5,134
Liberty Mutual $11,797 $13,118
Nationwide $4,274 $5,478
Progressive $10,152 $11,324
State Farm $8,321 $10,409
Travelers $8,203 $12,921
USAA $3,653 $4,047

Cheap Daphne, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Daphne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,762 $1,795
Farmers $2,074 $2,209
GEICO $1,893 $1,961
Liberty Mutual $2,595 $2,904
Nationwide $1,486 $1,534
Progressive $2,004 $2,138
State Farm $2,442 $2,442
Travelers $1,421 $1,416
USAA $1,156 $1,135

Cheap Daphne, 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 Daphne, Alabama compared to the annual auto insurance rates with a clean record in Daphne, Alabama.

Annual Daphne, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,762 $3,263 $3,888 $3,130
Farmers $3,436 $4,447 $4,339 $4,103
GEICO $1,865 $3,014 $3,740 $2,481
Liberty Mutual $4,309 $6,008 $5,865 $5,805
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $4,076 $5,142 $4,413 $4,472
State Farm $3,992 $4,985 $4,389 $4,389
Travelers $3,129 $3,282 $4,812 $3,809
USAA $1,522 $1,910 $2,826 $1,646

Cheap Daphne, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Daphne, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,888
Farmers $4,339
GEICO $3,740
Liberty Mutual $5,865
Nationwide $3,145
Progressive $4,413
State Farm $4,389
Travelers $4,812
USAA $2,826

Cheap Daphne, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Daphne, Alabama

Insurance Company Poor Fair Good
Allstate $4,020 $3,170 $2,593
Farmers $4,574 $3,938 $3,732
GEICO $3,530 $2,518 $2,278
Liberty Mutual $7,860 $4,836 $3,795
Nationwide $2,987 $2,338 $2,118
Progressive $5,096 $4,383 $4,099
State Farm $7,197 $3,643 $2,476
Travelers $4,096 $3,555 $3,623
USAA $2,646 $1,733 $1,550

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Daphne, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Daphne, Alabama

ZIP Code Average Annual Rates
36526 $3,767
36527 $3,755

Cheap Daphne, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Daphne, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,261 $3,261
Farmers $4,081 $4,081
GEICO $2,727 $2,823
Liberty Mutual $5,497 $5,497
Nationwide $2,481 $2,481
Progressive $4,526 $4,526
State Farm $4,330 $4,548
Travelers $3,758 $3,758
USAA $1,886 $2,066

Cheap Daphne, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Daphne, Alabama

Insurance Company Low Medium High
Allstate $3,154 $3,257 $3,372
Farmers $3,833 $4,023 $4,388
GEICO $2,550 $2,763 $3,013
Liberty Mutual $5,248 $5,471 $5,771
Nationwide $2,452 $2,462 $2,528
Progressive $4,032 $4,504 $5,042
State Farm $4,177 $4,434 $4,705
Travelers $3,568 $3,833 $3,873
USAA $1,898 $1,964 $2,066

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Daphne, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Daphne, Alabama

Insurance Company Average Annual Rates
Allstate $3,261
Farmers $4,081
GEICO $2,775
Liberty Mutual $5,497
Nationwide $2,481
Progressive $4,526
State Farm $4,439
Travelers $3,758
USAA $1,976

What affects auto insurance rates in Daphne, Alabama?

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

Daphne Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Daphne, Alabama auto theft statistics, there have been 17 auto thefts in the city.

Daphne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Daphne, Alabama commute length is 26.2 minutes according to City-Data.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Daphne, Alabama Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption