Best Cheap Auto Insurance in Hoover, AL (2021)

The average Hoover, AL auto insurance rates are $328 per month. The minimum auto insurance in Hoover is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Hoover, 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 minimum auto insurance required in Hoover, Alabama is 25/50/25
  • The cheapest auto insurance company in Hoover is USAA
  • The average commute length in Hoover is 23.8 minutes

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

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

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

Minimum Auto Insurance in Hoover, Alabama

Hoover, 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 Hoover, Alabama.

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

Auto insurance rates in Hoover, 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 Hoover, 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 $2,125 $2,014 $1,936 $1,972 $7,767 $8,368 $2,350 $2,390
Farmers $2,489 $2,467 $2,219 $2,366 $9,961 $10,251 $2,830 $2,928
GEICO $2,181 $2,178 $2,089 $2,177 $5,892 $5,777 $2,305 $2,133
Liberty Mutual $2,914 $3,143 $2,388 $2,671 $11,001 $12,227 $3,091 $3,276
Nationwide $1,842 $1,864 $1,679 $1,736 $4,958 $6,376 $2,050 $2,292
Progressive $2,574 $2,391 $2,127 $2,263 $11,254 $12,539 $3,025 $3,245
State Farm $3,385 $3,385 $3,092 $3,092 $10,751 $13,432 $3,838 $4,446
Travelers $1,441 $1,461 $1,364 $1,359 $8,030 $12,689 $1,366 $1,538
USAA $1,322 $1,339 $1,234 $1,205 $3,967 $4,395 $1,722 $1,855

Cheap Hoover, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hoover, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,767 $8,368
Farmers $9,961 $10,251
GEICO $5,892 $5,777
Liberty Mutual $11,001 $12,227
Nationwide $4,958 $6,376
Progressive $11,254 $12,539
State Farm $10,751 $13,432
Travelers $8,030 $12,689
USAA $3,967 $4,395

Cheap Hoover, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hoover, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $1,972
Farmers $2,219 $2,366
GEICO $2,089 $2,177
Liberty Mutual $2,388 $2,671
Nationwide $1,679 $1,736
Progressive $2,127 $2,263
State Farm $3,092 $3,092
Travelers $1,364 $1,359
USAA $1,234 $1,205

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

Annual Hoover, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,048 $3,615 $4,331 $3,467
Farmers $3,729 $4,841 $4,722 $4,463
GEICO $2,066 $3,358 $4,199 $2,744
Liberty Mutual $3,990 $5,567 $5,424 $5,374
Nationwide $2,492 $2,492 $3,631 $2,782
Progressive $4,430 $5,628 $4,802 $4,849
State Farm $5,091 $6,395 $5,612 $5,612
Travelers $3,044 $3,191 $4,693 $3,695
USAA $1,637 $2,058 $3,053 $1,771

Cheap Hoover, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hoover, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,331
Farmers $4,722
GEICO $4,199
Liberty Mutual $5,424
Nationwide $3,631
Progressive $4,802
State Farm $5,612
Travelers $4,693
USAA $3,053

Cheap Hoover, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hoover, Alabama

Insurance Company Poor Fair Good
Allstate $4,448 $3,519 $2,878
Farmers $4,966 $4,288 $4,062
GEICO $3,935 $2,804 $2,536
Liberty Mutual $7,260 $4,485 $3,522
Nationwide $3,439 $2,683 $2,426
Progressive $5,515 $4,780 $4,487
State Farm $9,223 $4,655 $3,154
Travelers $3,979 $3,460 $3,528
USAA $2,863 $1,863 $1,663

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Cheap Hoover, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hoover, Alabama

ZIP Code Average Annual Rates
35216 $4,031
35244 $4,090

Cheap Hoover, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hoover, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,615 $3,615
Farmers $4,439 $4,439
GEICO $3,039 $3,144
Liberty Mutual $5,089 $5,089
Nationwide $2,849 $2,849
Progressive $4,927 $4,927
State Farm $5,538 $5,817
Travelers $3,656 $3,656
USAA $2,032 $2,227

Cheap Hoover, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hoover, Alabama

Insurance Company Low Medium High
Allstate $3,479 $3,610 $3,757
Farmers $4,173 $4,376 $4,768
GEICO $2,841 $3,079 $3,355
Liberty Mutual $4,852 $5,065 $5,350
Nationwide $2,839 $2,824 $2,885
Progressive $4,439 $4,910 $5,433
State Farm $5,348 $5,674 $6,010
Travelers $3,464 $3,728 $3,776
USAA $2,055 $2,119 $2,216

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Best By Category: Cheapest Auto Insurance in Hoover, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Hoover, Alabama

Insurance Company Average Annual Rates
Allstate $3,615
Farmers $4,439
GEICO $3,092
Liberty Mutual $5,089
Nationwide $2,849
Progressive $4,927
State Farm $5,677
Travelers $3,656
USAA $2,130

What affects auto insurance rates in Hoover, Alabama?

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

Hoover Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hoover, Alabama commute length is 23.8 minutes according to City-Data.

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Compare Hoover, Alabama Auto Insurance Quotes

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

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

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