Best Cheap Auto Insurance in Luverne, AL (2021)

The average Luverne, AL auto insurance rates are $298 per month. The minimum auto insurance in Luverne is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Luverne, Alabama, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Luverne is USAA
  • The most expensive auto insurance company in Luverne for teen drivers is Liberty Mutual
  • Average auto insurance rates in Luverne, AL for senior drivers are $1,903 per year

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

Compare auto insurance in Luverne to other Alabama cities, including Dothan auto insurance rates, Hoover auto insurance rates, and Huntsville auto insurance rates to see how Luverne, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Luverne, Alabama

Luverne, 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 Luverne, Alabama.

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

Auto insurance rates in Luverne, 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 Luverne, 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 $1,964 $1,885 $1,764 $1,801 $6,532 $7,020 $2,232 $2,292
Farmers $2,167 $2,153 $1,937 $2,056 $8,282 $8,525 $2,458 $2,556
GEICO $1,919 $1,894 $1,817 $1,864 $4,936 $4,820 $2,027 $1,875
Liberty Mutual $3,021 $3,265 $2,483 $2,774 $10,830 $12,034 $3,221 $3,434
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,382 $2,245 $1,951 $2,078 $9,562 $10,688 $2,792 $2,974
State Farm $2,834 $2,834 $2,524 $2,524 $8,003 $10,058 $3,187 $3,661
Travelers $1,597 $1,624 $1,487 $1,484 $8,335 $13,051 $1,514 $1,761
USAA $1,339 $1,364 $1,250 $1,232 $3,940 $4,375 $1,744 $1,890

Cheap Luverne, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Luverne, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,532 $7,020
Farmers $8,282 $8,525
GEICO $4,936 $4,820
Liberty Mutual $10,830 $12,034
Nationwide $4,418 $5,752
Progressive $9,562 $10,688
State Farm $8,003 $10,058
Travelers $8,335 $13,051
USAA $3,940 $4,375

Cheap Luverne, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Luverne, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,764 $1,801
Farmers $1,937 $2,056
GEICO $1,817 $1,864
Liberty Mutual $2,483 $2,774
Nationwide $1,577 $1,642
Progressive $1,951 $2,078
State Farm $2,524 $2,524
Travelers $1,487 $1,484
USAA $1,250 $1,232

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

Annual Luverne, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,735 $3,205 $3,740 $3,064
Farmers $3,172 $4,098 $3,998 $3,798
GEICO $1,796 $2,872 $3,506 $2,401
Liberty Mutual $4,025 $5,602 $5,483 $5,421
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $3,923 $4,911 $4,195 $4,307
State Farm $4,058 $4,936 $4,409 $4,409
Travelers $3,213 $3,374 $4,920 $3,920
USAA $1,648 $2,063 $3,073 $1,783

Cheap Luverne, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Luverne, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,740
Farmers $3,998
GEICO $3,506
Liberty Mutual $5,483
Nationwide $3,353
Progressive $4,195
State Farm $4,409
Travelers $4,920
USAA $3,073

Cheap Luverne, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Luverne, Alabama

Insurance Company Poor Fair Good
Allstate $3,949 $3,087 $2,522
Farmers $4,224 $3,632 $3,443
GEICO $3,361 $2,399 $2,171
Liberty Mutual $7,356 $4,505 $3,538
Nationwide $3,171 $2,467 $2,229
Progressive $4,907 $4,190 $3,906
State Farm $7,211 $3,658 $2,490
Travelers $4,211 $3,646 $3,713
USAA $2,880 $1,873 $1,672

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Cheap Luverne, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Luverne, Alabama

ZIP Code Average Annual Rates
36049 $3,658

Cheap Luverne, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Luverne, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,186 $3,186
Farmers $3,767 $3,767
GEICO $2,594 $2,694
Liberty Mutual $5,133 $5,133
Nationwide $2,623 $2,623
Progressive $4,334 $4,334
State Farm $4,349 $4,558
Travelers $3,857 $3,857
USAA $2,044 $2,240

Cheap Luverne, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Luverne, Alabama

Insurance Company Low Medium High
Allstate $3,083 $3,182 $3,294
Farmers $3,557 $3,718 $4,025
GEICO $2,433 $2,631 $2,867
Liberty Mutual $4,912 $5,110 $5,377
Nationwide $2,624 $2,595 $2,649
Progressive $3,912 $4,311 $4,780
State Farm $4,247 $4,445 $4,668
Travelers $3,690 $3,934 $3,947
USAA $2,065 $2,130 $2,231

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Best By Category: Cheapest Auto Insurance in Luverne, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Luverne, Alabama

Insurance Company Average Annual Rates
Allstate $3,186
Farmers $3,767
GEICO $2,644
Liberty Mutual $5,133
Nationwide $2,623
Progressive $4,334
State Farm $4,453
Travelers $3,857
USAA $2,142

What affects auto insurance rates in Luverne, Alabama?

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

Luverne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Luverne, Alabama commute length is 24.5 minutes according to City-Data.

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Compare Luverne, Alabama Auto Insurance Quotes

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