Best Cheap Auto Insurance in Muscle Shoals, AL (2021)

The average Muscle Shoals, AL auto insurance rates are $280 per month. The minimum auto insurance in Muscle Shoals is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Muscle Shoals, 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 Muscle Shoals for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Muscle Shoals, Alabama is 25/50/25
  • The cheapest auto insurance company in Muscle Shoals is USAA

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

Compare auto insurance in Muscle Shoals to other Alabama cities, including Birmingham auto insurance rates, Mobile auto insurance rates, and Auburn auto insurance rates to see how Muscle Shoals, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Muscle Shoals, Alabama

Muscle Shoals, 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 Muscle Shoals, Alabama.

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

Auto insurance rates in Muscle Shoals, 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 Muscle Shoals, 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 $1,866 $1,781 $1,686 $1,718 $6,402 $6,874 $2,093 $2,142
Farmers $2,117 $2,100 $1,890 $2,014 $8,315 $8,550 $2,396 $2,475
GEICO $1,909 $1,891 $1,804 $1,850 $4,918 $4,831 $2,014 $1,877
Liberty Mutual $2,810 $3,034 $2,308 $2,580 $10,328 $11,482 $2,986 $3,174
Nationwide $1,553 $1,571 $1,421 $1,468 $4,020 $5,157 $1,718 $1,913
Progressive $2,153 $2,007 $1,769 $1,895 $9,011 $10,033 $2,509 $2,654
State Farm $2,590 $2,590 $2,361 $2,361 $8,037 $10,062 $2,930 $3,372
Travelers $1,324 $1,343 $1,248 $1,243 $7,118 $11,213 $1,255 $1,424
USAA $1,243 $1,256 $1,160 $1,130 $3,726 $4,122 $1,613 $1,734

Cheap Muscle Shoals, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Muscle Shoals, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,402 $6,874
Farmers $8,315 $8,550
GEICO $4,918 $4,831
Liberty Mutual $10,328 $11,482
Nationwide $4,020 $5,157
Progressive $9,011 $10,033
State Farm $8,037 $10,062
Travelers $7,118 $11,213
USAA $3,726 $4,122

Cheap Muscle Shoals, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Muscle Shoals, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,686 $1,718
Farmers $1,890 $2,014
GEICO $1,804 $1,850
Liberty Mutual $2,308 $2,580
Nationwide $1,421 $1,468
Progressive $1,769 $1,895
State Farm $2,361 $2,361
Travelers $1,248 $1,243
USAA $1,160 $1,130

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

Annual Muscle Shoals, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,616 $3,075 $3,639 $2,950
Farmers $3,141 $4,069 $3,970 $3,750
GEICO $1,792 $2,855 $3,504 $2,395
Liberty Mutual $3,795 $5,285 $5,161 $5,109
Nationwide $2,066 $2,066 $2,979 $2,299
Progressive $3,604 $4,551 $3,906 $3,954
State Farm $3,856 $4,816 $4,240 $4,240
Travelers $2,726 $2,860 $4,182 $3,315
USAA $1,538 $1,933 $2,859 $1,662

Cheap Muscle Shoals, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Muscle Shoals, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,639
Farmers $3,970
GEICO $3,504
Liberty Mutual $5,161
Nationwide $2,979
Progressive $3,906
State Farm $4,240
Travelers $4,182
USAA $2,859

Cheap Muscle Shoals, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Muscle Shoals, Alabama

Insurance Company Poor Fair Good
Allstate $3,796 $2,978 $2,437
Farmers $4,179 $3,603 $3,415
GEICO $3,352 $2,393 $2,165
Liberty Mutual $6,916 $4,255 $3,342
Nationwide $2,835 $2,216 $2,007
Progressive $4,505 $3,879 $3,628
State Farm $6,951 $3,520 $2,393
Travelers $3,565 $3,094 $3,153
USAA $2,683 $1,749 $1,562

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Cheap Muscle Shoals, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Muscle Shoals, Alabama

ZIP Code Average Annual Rates
35661 $3,446

Cheap Muscle Shoals, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Muscle Shoals, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,070 $3,070
Farmers $3,732 $3,732
GEICO $2,587 $2,686
Liberty Mutual $4,838 $4,838
Nationwide $2,353 $2,353
Progressive $4,004 $4,004
State Farm $4,182 $4,394
Travelers $3,271 $3,271
USAA $1,907 $2,089

Cheap Muscle Shoals, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Muscle Shoals, Alabama

Insurance Company Low Medium High
Allstate $2,970 $3,065 $3,175
Farmers $3,505 $3,680 $4,012
GEICO $2,437 $2,625 $2,848
Liberty Mutual $4,609 $4,814 $5,090
Nationwide $2,330 $2,333 $2,395
Progressive $3,551 $3,982 $4,479
State Farm $4,025 $4,283 $4,556
Travelers $3,092 $3,336 $3,384
USAA $1,926 $1,987 $2,080

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Best By Category: Cheapest Auto Insurance in Muscle Shoals, Alabama

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

Best Annual Auto Insurance Rates by Company in Muscle Shoals, 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 Muscle Shoals, Alabama Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Muscle Shoals, Alabama

Insurance Company Average Annual Rates
Allstate $3,070
Farmers $3,732
GEICO $2,637
Liberty Mutual $4,838
Nationwide $2,353
Progressive $4,004
State Farm $4,288
Travelers $3,271
USAA $1,998

What affects auto insurance rates in Muscle Shoals, Alabama?

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

Muscle Shoals Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Muscle Shoals, Alabama auto theft statistics, there have been 65 auto thefts in the city.

Muscle Shoals Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Muscle Shoals, Alabama commute length is 19.6 minutes according to City-Data.

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Compare Muscle Shoals, Alabama Auto Insurance Quotes

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