Best Cheap Auto Insurance in Delta, AL (2021)

The average Delta, AL auto insurance rates are $294 per month. The minimum auto insurance in Delta is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Delta, 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 Delta for teen drivers is Liberty Mutual
  • The average commute length in Delta is 47.6 minutes
  • The cheapest auto insurance company in Delta is USAA

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

Compare auto insurance in Delta to other Alabama cities, including Tuscaloosa auto insurance rates, Birmingham auto insurance rates, and Madison auto insurance rates to see how Delta, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Delta, Alabama

Delta, 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 Delta, Alabama.

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

Auto insurance rates in Delta, 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 Delta, 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 $1,830 $1,747 $1,655 $1,687 $6,296 $6,763 $2,052 $2,098
Farmers $2,248 $2,232 $2,009 $2,134 $8,684 $8,935 $2,555 $2,658
GEICO $1,919 $1,902 $1,817 $1,869 $4,975 $4,882 $2,025 $1,883
Liberty Mutual $3,058 $3,307 $2,509 $2,808 $10,937 $12,167 $3,264 $3,485
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,163 $2,032 $1,772 $1,891 $8,876 $9,911 $2,537 $2,708
State Farm $2,753 $2,753 $2,486 $2,486 $8,283 $10,373 $3,109 $3,588
Travelers $1,564 $1,590 $1,460 $1,456 $8,202 $12,838 $1,482 $1,718
USAA $1,322 $1,347 $1,233 $1,215 $3,883 $4,311 $1,721 $1,865

Cheap Delta, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Delta, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,296 $6,763
Farmers $8,684 $8,935
GEICO $4,975 $4,882
Liberty Mutual $10,937 $12,167
Nationwide $4,446 $5,755
Progressive $8,876 $9,911
State Farm $8,283 $10,373
Travelers $8,202 $12,838
USAA $3,883 $4,311

Cheap Delta, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Delta, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,655 $1,687
Farmers $2,009 $2,134
GEICO $1,817 $1,869
Liberty Mutual $2,509 $2,808
Nationwide $1,564 $1,624
Progressive $1,772 $1,891
State Farm $2,486 $2,486
Travelers $1,460 $1,456
USAA $1,233 $1,215

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

Annual Delta, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,571 $3,024 $3,571 $2,898
Farmers $3,307 $4,279 $4,175 $3,966
GEICO $1,803 $2,879 $3,547 $2,408
Liberty Mutual $4,074 $5,662 $5,548 $5,483
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,606 $4,528 $3,856 $3,955
State Farm $4,046 $5,008 $4,431 $4,431
Travelers $3,155 $3,313 $4,837 $3,849
USAA $1,625 $2,034 $3,030 $1,759

Cheap Delta, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Delta, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,571
Farmers $4,175
GEICO $3,547
Liberty Mutual $5,548
Nationwide $3,331
Progressive $3,856
State Farm $4,431
Travelers $4,837
USAA $3,030

Cheap Delta, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Delta, Alabama

Insurance Company Poor Fair Good
Allstate $3,729 $2,926 $2,393
Farmers $4,409 $3,792 $3,594
GEICO $3,381 $2,413 $2,183
Liberty Mutual $7,444 $4,554 $3,577
Nationwide $3,155 $2,458 $2,223
Progressive $4,502 $3,856 $3,601
State Farm $7,263 $3,676 $2,497
Travelers $4,135 $3,582 $3,648
USAA $2,842 $1,846 $1,648

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Cheap Delta, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Delta, Alabama

ZIP Code Average Annual Rates
36258 $3,620

Cheap Delta, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Delta, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,016 $3,016
Farmers $3,932 $3,932
GEICO $2,610 $2,708
Liberty Mutual $5,192 $5,192
Nationwide $2,612 $2,612
Progressive $3,986 $3,986
State Farm $4,371 $4,586
Travelers $3,789 $3,789
USAA $2,015 $2,209

Cheap Delta, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Delta, Alabama

Insurance Company Low Medium High
Allstate $2,912 $3,012 $3,124
Farmers $3,711 $3,880 $4,204
GEICO $2,454 $2,647 $2,876
Liberty Mutual $4,958 $5,167 $5,450
Nationwide $2,607 $2,586 $2,642
Progressive $3,602 $3,966 $4,391
State Farm $4,242 $4,473 $4,721
Travelers $3,623 $3,864 $3,879
USAA $2,037 $2,101 $2,198

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Best By Category: Cheapest Auto Insurance in Delta, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Delta, Alabama

Insurance Company Average Annual Rates
Allstate $3,016
Farmers $3,932
GEICO $2,659
Liberty Mutual $5,192
Nationwide $2,612
Progressive $3,986
State Farm $4,479
Travelers $3,789
USAA $2,112

What affects auto insurance rates in Delta, Alabama?

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

Delta Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Delta, Alabama commute length is 47.6 minutes according to City-Data.

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Compare Delta, Alabama Auto Insurance Quotes

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