Best Cheap Auto Insurance in Fort Payne, AL (2021)

The average Fort Payne, AL auto insurance rates are $293 per month. The minimum auto insurance in Fort Payne is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Fort Payne, 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 cheapest auto insurance company in Fort Payne is USAA
  • Average auto insurance rates in Fort Payne, AL for senior drivers are $1,859 per year
  • The minimum auto insurance required in Fort Payne, Alabama is 25/50/25

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

Compare auto insurance in Fort Payne to other Alabama cities, including Birmingham auto insurance rates, Huntsville auto insurance rates, and Montgomery auto insurance rates to see how Fort Payne, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Fort Payne, Alabama

Fort Payne, 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 Fort Payne, Alabama.

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

Auto insurance rates in Fort Payne, 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 Fort Payne, 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 $1,870 $1,787 $1,690 $1,722 $6,354 $6,829 $2,100 $2,151
Farmers $2,254 $2,237 $2,016 $2,134 $8,577 $8,828 $2,572 $2,690
GEICO $2,034 $2,021 $1,927 $1,978 $5,284 $5,207 $2,142 $2,000
Liberty Mutual $3,136 $3,389 $2,566 $2,870 $11,371 $12,648 $3,350 $3,578
Nationwide $1,667 $1,687 $1,523 $1,574 $4,394 $5,642 $1,850 $2,063
Progressive $2,173 $2,044 $1,778 $1,898 $8,825 $9,857 $2,547 $2,717
State Farm $2,573 $2,573 $2,329 $2,329 $7,813 $9,769 $2,907 $3,362
Travelers $1,520 $1,544 $1,426 $1,420 $8,098 $12,710 $1,439 $1,654
USAA $1,231 $1,250 $1,149 $1,126 $3,657 $4,056 $1,603 $1,729

Cheap Fort Payne, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fort Payne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,354 $6,829
Farmers $8,577 $8,828
GEICO $5,284 $5,207
Liberty Mutual $11,371 $12,648
Nationwide $4,394 $5,642
Progressive $8,825 $9,857
State Farm $7,813 $9,769
Travelers $8,098 $12,710
USAA $3,657 $4,056

Cheap Fort Payne, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fort Payne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,690 $1,722
Farmers $2,016 $2,134
GEICO $1,927 $1,978
Liberty Mutual $2,566 $2,870
Nationwide $1,523 $1,574
Progressive $1,778 $1,898
State Farm $2,329 $2,329
Travelers $1,426 $1,420
USAA $1,149 $1,126

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

Annual Fort Payne, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,614 $3,068 $3,624 $2,944
Farmers $3,291 $4,254 $4,149 $3,960
GEICO $1,912 $3,060 $3,769 $2,555
Liberty Mutual $4,206 $5,854 $5,729 $5,665
Nationwide $2,236 $2,236 $3,238 $2,491
Progressive $3,604 $4,517 $3,846 $3,954
State Farm $3,795 $4,710 $4,161 $4,161
Travelers $3,102 $3,256 $4,764 $3,783
USAA $1,520 $1,908 $2,828 $1,644

Cheap Fort Payne, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fort Payne, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,624
Farmers $4,149
GEICO $3,769
Liberty Mutual $5,729
Nationwide $3,238
Progressive $3,846
State Farm $4,161
Travelers $4,764
USAA $2,828

Cheap Fort Payne, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fort Payne, Alabama

Insurance Company Poor Fair Good
Allstate $3,790 $2,969 $2,428
Farmers $4,390 $3,774 $3,577
GEICO $3,592 $2,562 $2,318
Liberty Mutual $7,687 $4,707 $3,696
Nationwide $3,075 $2,402 $2,174
Progressive $4,501 $3,849 $3,590
State Farm $6,818 $3,454 $2,349
Travelers $4,065 $3,524 $3,590
USAA $2,655 $1,728 $1,543

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Cheap Fort Payne, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fort Payne, Alabama

ZIP Code Average Annual Rates
35967 $3,592
35968 $3,620

Cheap Fort Payne, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fort Payne, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,063 $3,063
Farmers $3,913 $3,913
GEICO $2,773 $2,875
Liberty Mutual $5,363 $5,363
Nationwide $2,550 $2,550
Progressive $3,980 $3,980
State Farm $4,106 $4,307
Travelers $3,727 $3,727
USAA $1,885 $2,065

Cheap Fort Payne, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fort Payne, Alabama

Insurance Company Low Medium High
Allstate $2,965 $3,057 $3,166
Farmers $3,717 $3,868 $4,156
GEICO $2,613 $2,811 $3,048
Liberty Mutual $5,132 $5,339 $5,619
Nationwide $2,532 $2,529 $2,590
Progressive $3,598 $3,958 $4,383
State Farm $3,982 $4,201 $4,437
Travelers $3,546 $3,801 $3,832
USAA $1,905 $1,965 $2,056

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Best By Category: Cheapest Auto Insurance in Fort Payne, Alabama

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

Best Annual Auto Insurance Rates by Company in Fort Payne, 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 Fort Payne, Alabama Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fort Payne, Alabama

Insurance Company Average Annual Rates
Allstate $3,063
Farmers $3,913
GEICO $2,824
Liberty Mutual $5,363
Nationwide $2,550
Progressive $3,980
State Farm $4,207
Travelers $3,727
USAA $1,975

What affects auto insurance rates in Fort Payne, Alabama?

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

Fort Payne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Payne, Alabama commute length is 18.9 minutes according to City-Data.

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Compare Fort Payne, Alabama Auto Insurance Quotes

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