Best Cheap Auto Insurance in Loachapoka, AL (2021)

The average Loachapoka, AL auto insurance rates are $302 per month. The minimum auto insurance in Loachapoka is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Loachapoka, 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 most expensive auto insurance company in Loachapoka for teen drivers is Liberty Mutual
  • The average commute length in Loachapoka is 32.6 minutes
  • The minimum auto insurance required in Loachapoka, Alabama is 25/50/25

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

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

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

Minimum Auto Insurance in Loachapoka, Alabama

Loachapoka, 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 Loachapoka, Alabama.

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

Auto insurance rates in Loachapoka, 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 Loachapoka, 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 $1,855 $1,773 $1,676 $1,709 $6,357 $6,831 $2,085 $2,133
Farmers $2,351 $2,329 $2,102 $2,224 $8,984 $9,241 $2,690 $2,814
GEICO $2,127 $2,102 $1,993 $2,033 $5,465 $5,384 $2,245 $2,102
Liberty Mutual $3,117 $3,368 $2,552 $2,853 $11,393 $12,670 $3,326 $3,549
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,115 $1,977 $1,742 $1,853 $8,963 $10,000 $2,484 $2,660
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,366 $1,386 $1,276 $1,249 $4,089 $4,532 $1,780 $1,921

Cheap Loachapoka, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Loachapoka, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,984 $9,241
GEICO $5,465 $5,384
Liberty Mutual $11,393 $12,670
Nationwide $4,321 $5,576
Progressive $8,963 $10,000
State Farm $8,309 $10,427
Travelers $8,574 $13,577
USAA $4,089 $4,532

Cheap Loachapoka, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Loachapoka, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,102 $2,224
GEICO $1,993 $2,033
Liberty Mutual $2,552 $2,853
Nationwide $1,522 $1,577
Progressive $1,742 $1,853
State Farm $2,520 $2,520
Travelers $1,484 $1,481
USAA $1,276 $1,249

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

Annual Loachapoka, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,604 $3,062 $3,610 $2,933
Farmers $3,438 $4,450 $4,338 $4,143
GEICO $1,994 $3,179 $3,878 $2,674
Liberty Mutual $4,197 $5,846 $5,716 $5,655
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,583 $4,525 $3,865 $3,925
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,691 $2,124 $3,155 $1,829

Cheap Loachapoka, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Loachapoka, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,610
Farmers $4,338
GEICO $3,878
Liberty Mutual $5,716
Nationwide $3,225
Progressive $3,865
State Farm $4,472
Travelers $5,038
USAA $3,155

Cheap Loachapoka, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Loachapoka, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,585 $3,949 $3,742
GEICO $3,729 $2,659 $2,405
Liberty Mutual $7,670 $4,701 $3,689
Nationwide $3,056 $2,387 $2,160
Progressive $4,468 $3,850 $3,605
State Farm $7,329 $3,709 $2,520
Travelers $4,298 $3,727 $3,800
USAA $2,956 $1,924 $1,718

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Cheap Loachapoka, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Loachapoka, Alabama

ZIP Code Average Annual Rates
36865 $3,724

Cheap Loachapoka, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Loachapoka, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,092 $4,092
GEICO $2,876 $2,987
Liberty Mutual $5,354 $5,354
Nationwide $2,534 $2,534
Progressive $3,974 $3,974
State Farm $4,410 $4,629
Travelers $3,941 $3,941
USAA $2,099 $2,300

Cheap Loachapoka, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Loachapoka, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,898 $4,048 $4,330
GEICO $2,726 $2,919 $3,149
Liberty Mutual $5,117 $5,329 $5,615
Nationwide $2,517 $2,512 $2,574
Progressive $3,583 $3,958 $4,382
State Farm $4,278 $4,514 $4,767
Travelers $3,728 $4,021 $4,076
USAA $2,121 $2,188 $2,289

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Best By Category: Cheapest Auto Insurance in Loachapoka, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Loachapoka, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,092
GEICO $2,931
Liberty Mutual $5,354
Nationwide $2,534
Progressive $3,974
State Farm $4,519
Travelers $3,941
USAA $2,200

What affects auto insurance rates in Loachapoka, Alabama?

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

Loachapoka Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Loachapoka, Alabama commute length is 32.6 minutes according to City-Data.

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Compare Loachapoka, Alabama Auto Insurance Quotes

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