Best Cheap Auto Insurance in Gulf Shores, AL (2021)

The average Gulf Shores, AL auto insurance rates are $298 per month. The minimum auto insurance in Gulf Shores is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Gulf Shores, 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 Gulf Shores is USAA
  • The average commute length in Gulf Shores is 23.9 minutes
  • The most expensive auto insurance company in Gulf Shores for teen drivers is Travelers

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

Compare auto insurance in Gulf Shores to other Alabama cities, including Hoover auto insurance rates, Auburn auto insurance rates, and Montgomery auto insurance rates to see how Gulf Shores, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Gulf Shores, Alabama

Gulf Shores, 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 Gulf Shores, Alabama.

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

Auto insurance rates in Gulf Shores, 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 Gulf Shores, 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 $1,867 $1,777 $1,693 $1,725 $6,589 $7,101 $2,082 $2,124
Farmers $2,306 $2,288 $2,059 $2,192 $8,989 $9,246 $2,611 $2,703
GEICO $1,875 $1,861 $1,795 $1,862 $4,934 $4,812 $1,980 $1,824
Liberty Mutual $3,026 $3,268 $2,482 $2,777 $11,136 $12,384 $3,218 $3,422
Nationwide $1,625 $1,642 $1,486 $1,534 $4,274 $5,478 $1,801 $2,006
Progressive $2,348 $2,206 $1,930 $2,056 $9,447 $10,540 $2,741 $2,896
State Farm $2,578 $2,578 $2,348 $2,348 $7,962 $9,967 $2,916 $3,358
Travelers $1,676 $1,702 $1,576 $1,570 $9,202 $14,523 $1,583 $1,810
USAA $1,214 $1,231 $1,138 $1,117 $3,602 $3,990 $1,576 $1,701

Cheap Gulf Shores, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gulf Shores, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,589 $7,101
Farmers $8,989 $9,246
GEICO $4,934 $4,812
Liberty Mutual $11,136 $12,384
Nationwide $4,274 $5,478
Progressive $9,447 $10,540
State Farm $7,962 $9,967
Travelers $9,202 $14,523
USAA $3,602 $3,990

Cheap Gulf Shores, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gulf Shores, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,693 $1,725
Farmers $2,059 $2,192
GEICO $1,795 $1,862
Liberty Mutual $2,482 $2,777
Nationwide $1,486 $1,534
Progressive $1,930 $2,056
State Farm $2,348 $2,348
Travelers $1,576 $1,570
USAA $1,138 $1,117

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

Annual Gulf Shores, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,647 $3,123 $3,713 $2,996
Farmers $3,408 $4,412 $4,304 $4,073
GEICO $1,764 $2,840 $3,520 $2,347
Liberty Mutual $4,090 $5,695 $5,565 $5,507
Nationwide $2,177 $2,177 $3,145 $2,424
Progressive $3,852 $4,833 $4,164 $4,232
State Farm $3,831 $4,777 $4,210 $4,210
Travelers $3,498 $3,671 $5,390 $4,262
USAA $1,500 $1,882 $2,782 $1,622

Cheap Gulf Shores, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gulf Shores, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,713
Farmers $4,304
GEICO $3,520
Liberty Mutual $5,565
Nationwide $3,145
Progressive $4,164
State Farm $4,210
Travelers $5,390
USAA $2,782

Cheap Gulf Shores, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gulf Shores, Alabama

Insurance Company Poor Fair Good
Allstate $3,850 $3,031 $2,479
Farmers $4,535 $3,908 $3,704
GEICO $3,328 $2,376 $2,150
Liberty Mutual $7,459 $4,584 $3,600
Nationwide $2,987 $2,338 $2,118
Progressive $4,829 $4,130 $3,852
State Farm $6,900 $3,495 $2,376
Travelers $4,583 $3,978 $4,055
USAA $2,604 $1,707 $1,527

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Cheap Gulf Shores, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gulf Shores, Alabama

ZIP Code Average Annual Rates
36542 $3,711
36561 $3,688

Cheap Gulf Shores, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gulf Shores, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,120 $3,120
Farmers $4,049 $4,049
GEICO $2,571 $2,665
Liberty Mutual $5,214 $5,214
Nationwide $2,481 $2,481
Progressive $4,270 $4,270
State Farm $4,152 $4,362
Travelers $4,205 $4,205
USAA $1,857 $2,035

Cheap Gulf Shores, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gulf Shores, Alabama

Insurance Company Low Medium High
Allstate $3,019 $3,116 $3,224
Farmers $3,811 $3,994 $4,342
GEICO $2,395 $2,606 $2,853
Liberty Mutual $4,967 $5,189 $5,486
Nationwide $2,452 $2,462 $2,528
Progressive $3,804 $4,247 $4,760
State Farm $4,002 $4,252 $4,517
Travelers $3,995 $4,289 $4,332
USAA $1,869 $1,934 $2,035

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Best By Category: Cheapest Auto Insurance in Gulf Shores, Alabama

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

Best Annual Auto Insurance Rates by Company in Gulf Shores, 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 Gulf Shores, Alabama Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gulf Shores, Alabama

Insurance Company Average Annual Rates
Allstate $3,120
Farmers $4,049
GEICO $2,618
Liberty Mutual $5,214
Nationwide $2,481
Progressive $4,270
State Farm $4,257
Travelers $4,205
USAA $1,946

What affects auto insurance rates in Gulf Shores, Alabama?

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

Gulf Shores Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gulf Shores, Alabama auto theft statistics, there have been 25 auto thefts in the city.

Gulf Shores Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gulf Shores, Alabama commute length is 23.9 minutes according to City-Data.

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Compare Gulf Shores, Alabama Auto Insurance Quotes

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