Best Cheap Auto Insurance in Needham, AL (2021)

The average Needham, AL auto insurance rates are $312 per month. The minimum auto insurance in Needham is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Needham, 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 Needham, Alabama is 25/50/25
  • The cheapest auto insurance company in Needham is USAA
  • The average commute length in Needham is 55.0 minutes

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

Compare auto insurance in Needham to other Alabama cities, including Birmingham auto insurance rates, Dothan auto insurance rates, and Mobile auto insurance rates to see how Needham, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Needham, Alabama

Needham, 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 Needham, Alabama.

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

Auto insurance rates in Needham, 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 Needham, 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 $2,108 $2,025 $1,893 $1,931 $6,868 $7,365 $2,398 $2,468
Farmers $2,560 $2,544 $2,293 $2,416 $9,417 $9,702 $2,926 $3,078
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,209 $3,473 $2,631 $2,946 $11,280 $12,554 $3,433 $3,673
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,460 $2,320 $2,011 $2,149 $9,691 $10,827 $2,873 $3,039
State Farm $2,785 $2,785 $2,484 $2,484 $7,946 $9,992 $3,135 $3,598
Travelers $1,666 $1,694 $1,550 $1,548 $8,818 $13,900 $1,576 $1,831
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

Cheap Needham, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Needham, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,868 $7,365
Farmers $9,417 $9,702
GEICO $5,292 $5,199
Liberty Mutual $11,280 $12,554
Nationwide $4,418 $5,752
Progressive $9,691 $10,827
State Farm $7,946 $9,992
Travelers $8,818 $13,900
USAA $4,083 $4,536

Cheap Needham, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Needham, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,893 $1,931
Farmers $2,293 $2,416
GEICO $1,937 $1,974
Liberty Mutual $2,631 $2,946
Nationwide $1,577 $1,642
Progressive $2,011 $2,149
State Farm $2,484 $2,484
Travelers $1,550 $1,548
USAA $1,288 $1,268

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

Annual Needham, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,907 $3,397 $3,969 $3,254
Farmers $3,677 $4,738 $4,620 $4,433
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,238 $5,882 $5,776 $5,702
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $4,004 $5,000 $4,281 $4,400
State Farm $4,006 $4,885 $4,357 $4,357
Travelers $3,394 $3,563 $5,197 $4,138
USAA $1,703 $2,133 $3,182 $1,843

Cheap Needham, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Needham, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,969
Farmers $4,620
GEICO $3,748
Liberty Mutual $5,776
Nationwide $3,353
Progressive $4,281
State Farm $4,357
Travelers $5,197
USAA $3,182

Cheap Needham, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Needham, Alabama

Insurance Company Poor Fair Good
Allstate $4,198 $3,273 $2,675
Farmers $4,903 $4,208 $3,991
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,753 $4,730 $3,716
Nationwide $3,171 $2,467 $2,229
Progressive $5,016 $4,272 $3,976
State Farm $7,136 $3,613 $2,455
Travelers $4,445 $3,850 $3,923
USAA $2,984 $1,935 $1,726

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Cheap Needham, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Needham, Alabama

ZIP Code Average Annual Rates
36915 $3,844

Cheap Needham, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Needham, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,382 $3,382
Farmers $4,367 $4,367
GEICO $2,789 $2,899
Liberty Mutual $5,400 $5,400
Nationwide $2,623 $2,623
Progressive $4,421 $4,421
State Farm $4,297 $4,506
Travelers $4,073 $4,073
USAA $2,114 $2,317

Cheap Needham, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Needham, Alabama

Insurance Company Low Medium High
Allstate $3,274 $3,374 $3,498
Farmers $4,180 $4,325 $4,597
GEICO $2,643 $2,832 $3,058
Liberty Mutual $5,165 $5,375 $5,659
Nationwide $2,624 $2,595 $2,649
Progressive $3,962 $4,393 $4,908
State Farm $4,193 $4,395 $4,616
Travelers $3,877 $4,155 $4,187
USAA $2,139 $2,204 $2,302

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Best By Category: Cheapest Auto Insurance in Needham, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Needham, Alabama

Insurance Company Average Annual Rates
Allstate $3,382
Farmers $4,367
GEICO $2,844
Liberty Mutual $5,400
Nationwide $2,623
Progressive $4,421
State Farm $4,401
Travelers $4,073
USAA $2,215

What affects auto insurance rates in Needham, Alabama?

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

Needham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Needham, Alabama commute length is 55.0 minutes according to City-Data.

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Compare Needham, Alabama Auto Insurance Quotes

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