Best Cheap Auto Insurance in Harpersville, AL (2021)

The average Harpersville, AL auto insurance rates are $315 per month. The minimum auto insurance in Harpersville is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Harpersville, 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 Harpersville is USAA
  • The average commute length in Harpersville is 28.8 minutes
  • The most expensive auto insurance company in Harpersville for teen drivers is Liberty Mutual

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

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

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

Minimum Auto Insurance in Harpersville, Alabama

Harpersville, 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 Harpersville, Alabama.

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

Auto insurance rates in Harpersville, 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 Harpersville, 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 $2,068 $1,966 $1,876 $1,911 $7,337 $7,878 $2,304 $2,351
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $1,919 $1,902 $1,817 $1,869 $4,975 $4,882 $2,025 $1,883
Liberty Mutual $3,123 $3,372 $2,551 $2,853 $11,506 $12,796 $3,333 $3,556
Nationwide $1,717 $1,735 $1,568 $1,619 $4,570 $5,864 $1,907 $2,127
Progressive $2,280 $2,138 $1,869 $1,998 $9,351 $10,433 $2,667 $2,836
State Farm $3,135 $3,135 $2,846 $2,846 $9,658 $12,096 $3,547 $4,090
Travelers $1,652 $1,678 $1,549 $1,543 $8,915 $14,038 $1,561 $1,796
USAA $1,359 $1,379 $1,267 $1,241 $4,035 $4,473 $1,767 $1,910

Cheap Harpersville, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Harpersville, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,337 $7,878
Farmers $9,571 $9,840
GEICO $4,975 $4,882
Liberty Mutual $11,506 $12,796
Nationwide $4,570 $5,864
Progressive $9,351 $10,433
State Farm $9,658 $12,096
Travelers $8,915 $14,038
USAA $4,035 $4,473

Cheap Harpersville, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Harpersville, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,876 $1,911
Farmers $2,170 $2,311
GEICO $1,817 $1,869
Liberty Mutual $2,551 $2,853
Nationwide $1,568 $1,619
Progressive $1,869 $1,998
State Farm $2,846 $2,846
Travelers $1,549 $1,543
USAA $1,267 $1,241

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

Annual Harpersville, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,932 $3,466 $4,126 $3,322
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $1,803 $2,879 $3,547 $2,408
Liberty Mutual $4,223 $5,884 $5,750 $5,689
Nationwide $2,312 $2,312 $3,352 $2,577
Progressive $3,792 $4,765 $4,069 $4,160
State Farm $4,654 $5,798 $5,112 $5,112
Travelers $3,405 $3,574 $5,235 $4,152
USAA $1,675 $2,102 $3,126 $1,812

Cheap Harpersville, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Harpersville, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,126
Farmers $4,565
GEICO $3,547
Liberty Mutual $5,750
Nationwide $3,352
Progressive $4,069
State Farm $5,112
Travelers $5,235
USAA $3,126

Cheap Harpersville, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Harpersville, Alabama

Insurance Company Poor Fair Good
Allstate $4,268 $3,364 $2,752
Farmers $4,806 $4,145 $3,927
GEICO $3,381 $2,413 $2,183
Liberty Mutual $7,710 $4,733 $3,715
Nationwide $3,179 $2,485 $2,250
Progressive $4,737 $4,061 $3,792
State Farm $8,392 $4,240 $2,875
Travelers $4,462 $3,869 $3,943
USAA $2,933 $1,904 $1,699

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Cheap Harpersville, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Harpersville, Alabama

ZIP Code Average Annual Rates
35078 $3,889

Cheap Harpersville, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Harpersville, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,461 $3,461
Farmers $4,293 $4,293
GEICO $2,610 $2,708
Liberty Mutual $5,386 $5,386
Nationwide $2,638 $2,638
Progressive $4,196 $4,196
State Farm $5,042 $5,296
Travelers $4,092 $4,092
USAA $2,079 $2,279

Cheap Harpersville, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Harpersville, Alabama

Insurance Company Low Medium High
Allstate $3,331 $3,456 $3,597
Farmers $4,039 $4,235 $4,605
GEICO $2,454 $2,647 $2,876
Liberty Mutual $5,156 $5,363 $5,640
Nationwide $2,617 $2,617 $2,680
Progressive $3,767 $4,173 $4,649
State Farm $4,876 $5,165 $5,466
Travelers $3,891 $4,173 $4,210
USAA $2,104 $2,168 $2,265

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Best By Category: Cheapest Auto Insurance in Harpersville, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Harpersville, Alabama

Insurance Company Average Annual Rates
Allstate $3,461
Farmers $4,293
GEICO $2,659
Liberty Mutual $5,386
Nationwide $2,638
Progressive $4,196
State Farm $5,169
Travelers $4,092
USAA $2,179

What affects auto insurance rates in Harpersville, Alabama?

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

Harpersville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Harpersville, Alabama auto theft statistics, there have been 6 auto thefts in the city.

Harpersville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Harpersville, Alabama commute length is 28.8 minutes according to City-Data.

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Compare Harpersville, Alabama Auto Insurance Quotes

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