Best Cheap Auto Insurance in Gadsden, AL (2021)

The average Gadsden, AL auto insurance rates are $310 per month. The minimum auto insurance in Gadsden is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Gadsden, Alabama, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

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: May 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

  • The cheapest auto insurance company in Gadsden is USAA
  • The average commute length in Gadsden is 20.2 minutes
  • The most expensive auto insurance company in Gadsden for teen drivers is Liberty Mutual

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

Compare auto insurance in Gadsden to other Alabama cities, including Madison auto insurance rates, Hoover auto insurance rates, and Montgomery auto insurance rates to see how Gadsden, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Gadsden, Alabama

Gadsden, 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 Gadsden, Alabama.

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

Auto insurance rates in Gadsden, 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 Gadsden, 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 $1,965 $1,871 $1,781 $1,814 $6,869 $7,369 $2,193 $2,239
Farmers $2,540 $2,520 $2,268 $2,416 $9,993 $10,277 $2,880 $2,980
GEICO $1,988 $1,979 $1,898 $1,965 $5,256 $5,153 $2,098 $1,945
Liberty Mutual $2,996 $3,237 $2,461 $2,752 $11,008 $12,239 $3,185 $3,387
Nationwide $1,744 $1,764 $1,592 $1,645 $4,645 $5,967 $1,938 $2,163
Progressive $2,236 $2,087 $1,834 $1,964 $9,366 $10,444 $2,610 $2,775
State Farm $3,227 $3,227 $2,943 $2,943 $10,083 $12,614 $3,653 $4,214
Travelers $1,420 $1,440 $1,338 $1,333 $7,705 $12,139 $1,344 $1,527
USAA $1,274 $1,291 $1,191 $1,165 $3,814 $4,226 $1,658 $1,786

Cheap Gadsden, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gadsden, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,869 $7,369
Farmers $9,993 $10,277
GEICO $5,256 $5,153
Liberty Mutual $11,008 $12,239
Nationwide $4,645 $5,967
Progressive $9,366 $10,444
State Farm $10,083 $12,614
Travelers $7,705 $12,139
USAA $3,814 $4,226

Cheap Gadsden, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gadsden, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,781 $1,814
Farmers $2,268 $2,416
GEICO $1,898 $1,965
Liberty Mutual $2,461 $2,752
Nationwide $1,592 $1,645
Progressive $1,834 $1,964
State Farm $2,943 $2,943
Travelers $1,338 $1,333
USAA $1,191 $1,165

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

Annual Gadsden, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,770 $3,267 $3,880 $3,133
Farmers $3,771 $4,887 $4,768 $4,510
GEICO $1,875 $3,024 $3,746 $2,497
Liberty Mutual $4,044 $5,635 $5,504 $5,450
Nationwide $2,349 $2,349 $3,411 $2,620
Progressive $3,753 $4,737 $4,051 $4,117
State Farm $4,819 $6,028 $5,303 $5,303
Travelers $2,940 $3,084 $4,520 $3,578
USAA $1,578 $1,983 $2,936 $1,706

Cheap Gadsden, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gadsden, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,880
Farmers $4,768
GEICO $3,746
Liberty Mutual $5,504
Nationwide $3,411
Progressive $4,051
State Farm $5,303
Travelers $4,520
USAA $2,936

Cheap Gadsden, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gadsden, Alabama

Insurance Company Poor Fair Good
Allstate $4,028 $3,167 $2,592
Farmers $5,025 $4,328 $4,100
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,384 $4,533 $3,558
Nationwide $3,234 $2,526 $2,287
Progressive $4,687 $4,034 $3,773
State Farm $8,699 $4,401 $2,989
Travelers $3,848 $3,340 $3,404
USAA $2,751 $1,796 $1,605

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Gadsden, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gadsden, Alabama

ZIP Code Average Annual Rates
35903 $3,775
35904 $3,846

Cheap Gadsden, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gadsden, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,262 $3,262
Farmers $4,484 $4,484
GEICO $2,736 $2,835
Liberty Mutual $5,158 $5,158
Nationwide $2,682 $2,682
Progressive $4,164 $4,164
State Farm $5,231 $5,496
Travelers $3,531 $3,531
USAA $1,957 $2,144

Cheap Gadsden, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gadsden, Alabama

Insurance Company Low Medium High
Allstate $3,142 $3,257 $3,388
Farmers $4,212 $4,421 $4,820
GEICO $2,560 $2,773 $3,023
Liberty Mutual $4,908 $5,132 $5,435
Nationwide $2,660 $2,661 $2,725
Progressive $3,704 $4,142 $4,648
State Farm $5,042 $5,358 $5,690
Travelers $3,343 $3,601 $3,648
USAA $1,974 $2,039 $2,138

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 Gadsden, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Gadsden, Alabama

Insurance Company Average Annual Rates
Allstate $3,262
Farmers $4,484
GEICO $2,786
Liberty Mutual $5,158
Nationwide $2,682
Progressive $4,164
State Farm $5,363
Travelers $3,531
USAA $2,051

What affects auto insurance rates in Gadsden, Alabama?

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

Gadsden Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gadsden, Alabama auto theft statistics, there have been 255 auto thefts in the city.

Gadsden Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gadsden, Alabama commute length is 20.2 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 Gadsden, Alabama Auto Insurance Quotes

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