Best Cheap Auto Insurance in Opelika, AL (2021)

The average Opelika, AL auto insurance rates are $290 per month. The minimum auto insurance in Opelika is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Opelika, Alabama, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Opelika, AL for senior drivers are $1,850 per year
  • The cheapest auto insurance company in Opelika is USAA
  • The minimum auto insurance required in Opelika, Alabama is 25/50/25

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

Compare auto insurance in Opelika to other Alabama cities, including Mobile auto insurance rates, Hoover auto insurance rates, and Decatur auto insurance rates to see how Opelika, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Opelika, Alabama

Opelika, 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 Opelika, Alabama.

Minimum Required Auto Insurance Coverage in Opelika, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Opelika, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Opelika, 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 Opelika, 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 $2,200 $2,184 $1,966 $2,088 $8,468 $8,714 $2,497 $2,595
GEICO $2,007 $1,985 $1,897 $1,951 $5,231 $5,122 $2,121 $1,968
Liberty Mutual $2,973 $3,214 $2,439 $2,731 $10,754 $11,965 $3,168 $3,375
Nationwide $1,670 $1,691 $1,522 $1,577 $4,321 $5,576 $1,850 $2,068
Progressive $2,272 $2,123 $1,868 $1,998 $9,384 $10,450 $2,651 $2,801
State Farm $2,714 $2,714 $2,460 $2,460 $8,255 $10,344 $3,067 $3,530
Travelers $1,330 $1,350 $1,247 $1,243 $6,967 $10,922 $1,263 $1,448
USAA $1,338 $1,358 $1,250 $1,224 $3,994 $4,426 $1,742 $1,881

Cheap Opelika, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Opelika, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $8,468 $8,714
GEICO $5,231 $5,122
Liberty Mutual $10,754 $11,965
Nationwide $4,321 $5,576
Progressive $9,384 $10,450
State Farm $8,255 $10,344
Travelers $6,967 $10,922
USAA $3,994 $4,426

Cheap Opelika, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Opelika, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $1,966 $2,088
GEICO $1,897 $1,951
Liberty Mutual $2,439 $2,731
Nationwide $1,522 $1,577
Progressive $1,868 $1,998
State Farm $2,460 $2,460
Travelers $1,247 $1,243
USAA $1,250 $1,224

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

Annual Opelika, 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 $3,231 $4,178 $4,076 $3,870
GEICO $1,885 $3,026 $3,713 $2,517
Liberty Mutual $3,986 $5,539 $5,423 $5,362
Nationwide $2,219 $2,219 $3,225 $2,475
Progressive $3,780 $4,761 $4,086 $4,147
State Farm $4,007 $4,975 $4,395 $4,395
Travelers $2,686 $2,819 $4,110 $3,270
USAA $1,655 $2,077 $3,085 $1,790

Cheap Opelika, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Opelika, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,610
Farmers $4,076
GEICO $3,713
Liberty Mutual $5,423
Nationwide $3,225
Progressive $4,086
State Farm $4,395
Travelers $4,110
USAA $3,085

Cheap Opelika, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Opelika, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,304 $3,703 $3,510
GEICO $3,543 $2,527 $2,286
Liberty Mutual $7,269 $4,459 $3,504
Nationwide $3,056 $2,387 $2,160
Progressive $4,726 $4,060 $3,794
State Farm $7,204 $3,647 $2,478
Travelers $3,515 $3,046 $3,103
USAA $2,891 $1,883 $1,681

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Opelika, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Opelika, Alabama

ZIP Code Average Annual Rates
36801 $3,540
36804 $3,582

Cheap Opelika, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Opelika, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,052 $3,052
Farmers $3,839 $3,839
GEICO $2,734 $2,836
Liberty Mutual $5,077 $5,077
Nationwide $2,534 $2,534
Progressive $4,193 $4,193
State Farm $4,334 $4,552
Travelers $3,221 $3,221
USAA $2,053 $2,250

Cheap Opelika, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Opelika, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $3,623 $3,789 $4,105
GEICO $2,572 $2,773 $3,010
Liberty Mutual $4,841 $5,053 $5,339
Nationwide $2,517 $2,512 $2,574
Progressive $3,736 $4,170 $4,675
State Farm $4,189 $4,438 $4,702
Travelers $3,060 $3,285 $3,318
USAA $2,075 $2,140 $2,240

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Opelika, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Opelika, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $3,839
GEICO $2,785
Liberty Mutual $5,077
Nationwide $2,534
Progressive $4,193
State Farm $4,443
Travelers $3,221
USAA $2,152

What affects auto insurance rates in Opelika, Alabama?

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

Opelika Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Opelika, Alabama auto theft statistics, there have been 80 auto thefts in the city.

Opelika Commute Time

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Opelika, Alabama Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption