Best Cheap Auto Insurance in Elba, AL (2021)

The average Elba, AL auto insurance rates are $286 per month. The minimum auto insurance in Elba is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Elba, 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 Elba for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Elba, Alabama is 25/50/25
  • The average commute length in Elba is 22.4 minutes

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

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

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

Minimum Auto Insurance in Elba, Alabama

Elba, 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 Elba, Alabama.

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

Auto insurance rates in Elba, 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 Elba, 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 $1,962 $1,884 $1,762 $1,800 $6,527 $7,014 $2,231 $2,291
Farmers $2,225 $2,209 $1,987 $2,116 $8,679 $8,928 $2,515 $2,598
GEICO $1,919 $1,894 $1,817 $1,864 $4,936 $4,820 $2,027 $1,875
Liberty Mutual $2,899 $3,134 $2,388 $2,671 $10,297 $11,448 $3,085 $3,284
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,089 $1,967 $1,711 $1,825 $8,377 $9,354 $2,444 $2,595
State Farm $2,602 $2,602 $2,351 $2,351 $7,785 $9,768 $2,937 $3,372
Travelers $1,535 $1,560 $1,433 $1,429 $8,037 $12,553 $1,457 $1,688
USAA $1,234 $1,256 $1,154 $1,135 $3,627 $4,023 $1,604 $1,735

Cheap Elba, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elba, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,527 $7,014
Farmers $8,679 $8,928
GEICO $4,936 $4,820
Liberty Mutual $10,297 $11,448
Nationwide $4,358 $5,617
Progressive $8,377 $9,354
State Farm $7,785 $9,768
Travelers $8,037 $12,553
USAA $3,627 $4,023

Cheap Elba, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elba, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,762 $1,800
Farmers $1,987 $2,116
GEICO $1,817 $1,864
Liberty Mutual $2,388 $2,671
Nationwide $1,527 $1,581
Progressive $1,711 $1,825
State Farm $2,351 $2,351
Travelers $1,433 $1,429
USAA $1,154 $1,135

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

Annual Elba, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,733 $3,203 $3,738 $3,062
Farmers $3,290 $4,258 $4,155 $3,926
GEICO $1,796 $2,872 $3,506 $2,401
Liberty Mutual $3,848 $5,343 $5,236 $5,175
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,434 $4,298 $3,678 $3,770
State Farm $3,816 $4,716 $4,176 $4,176
Travelers $3,092 $3,246 $4,740 $3,769
USAA $1,518 $1,902 $2,822 $1,642

Cheap Elba, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elba, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,738
Farmers $4,155
GEICO $3,506
Liberty Mutual $5,236
Nationwide $3,241
Progressive $3,678
State Farm $4,176
Travelers $4,740
USAA $2,822

Cheap Elba, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elba, Alabama

Insurance Company Poor Fair Good
Allstate $3,946 $3,085 $2,521
Farmers $4,376 $3,771 $3,574
GEICO $3,361 $2,399 $2,171
Liberty Mutual $7,019 $4,301 $3,382
Nationwide $3,073 $2,400 $2,171
Progressive $4,297 $3,669 $3,420
State Farm $6,841 $3,466 $2,356
Travelers $4,051 $3,510 $3,574
USAA $2,646 $1,725 $1,541

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Cheap Elba, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elba, Alabama

ZIP Code Average Annual Rates
36323 $3,521

Cheap Elba, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elba, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,184 $3,184
Farmers $3,907 $3,907
GEICO $2,594 $2,694
Liberty Mutual $4,901 $4,901
Nationwide $2,548 $2,548
Progressive $3,795 $3,795
State Farm $4,118 $4,324
Travelers $3,712 $3,712
USAA $1,881 $2,061

Cheap Elba, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elba, Alabama

Insurance Company Low Medium High
Allstate $3,080 $3,180 $3,292
Farmers $3,670 $3,852 $4,199
GEICO $2,433 $2,631 $2,867
Liberty Mutual $4,673 $4,877 $5,151
Nationwide $2,529 $2,526 $2,589
Progressive $3,414 $3,774 $4,197
State Farm $3,983 $4,215 $4,465
Travelers $3,559 $3,785 $3,790
USAA $1,897 $1,960 $2,056

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Best By Category: Cheapest Auto Insurance in Elba, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Elba, Alabama

Insurance Company Average Annual Rates
Allstate $3,184
Farmers $3,907
GEICO $2,644
Liberty Mutual $4,901
Nationwide $2,548
Progressive $3,795
State Farm $4,221
Travelers $3,712
USAA $1,971

What affects auto insurance rates in Elba, Alabama?

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

Elba Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Elba, Alabama auto theft statistics, there have been 9 auto thefts in the city.

Elba Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elba, Alabama commute length is 22.4 minutes according to City-Data.

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Compare Elba, Alabama Auto Insurance Quotes

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