Best Cheap Auto Insurance in Shelby, AL (2021)

The average Shelby, AL auto insurance rates are $310 per month. The minimum auto insurance in Shelby is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Shelby, 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

  • Average auto insurance rates in Shelby, AL for senior drivers are $1,954 per year
  • The most expensive auto insurance company in Shelby for teen drivers is Progressive
  • The average commute length in Shelby is 34.1 minutes

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

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

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

Minimum Auto Insurance in Shelby, Alabama

Shelby, 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 Shelby, Alabama.

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

Auto insurance rates in Shelby, 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 Shelby, 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 $2,010 $1,914 $1,818 $1,853 $7,078 $7,604 $2,252 $2,302
Farmers $2,431 $2,409 $2,170 $2,311 $9,571 $9,840 $2,757 $2,852
GEICO $1,964 $1,956 $1,878 $1,947 $5,204 $5,101 $2,072 $1,919
Liberty Mutual $2,907 $3,138 $2,384 $2,666 $10,769 $11,971 $3,090 $3,283
Nationwide $1,678 $1,696 $1,532 $1,583 $4,422 $5,679 $1,861 $2,076
Progressive $2,578 $2,413 $2,115 $2,258 $10,751 $12,006 $3,020 $3,226
State Farm $2,979 $2,979 $2,704 $2,704 $9,189 $11,494 $3,370 $3,896
Travelers $1,455 $1,477 $1,369 $1,365 $7,923 $12,521 $1,377 $1,567
USAA $1,359 $1,379 $1,267 $1,241 $4,035 $4,473 $1,767 $1,910

Cheap Shelby, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shelby, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,078 $7,604
Farmers $9,571 $9,840
GEICO $5,204 $5,101
Liberty Mutual $10,769 $11,971
Nationwide $4,422 $5,679
Progressive $10,751 $12,006
State Farm $9,189 $11,494
Travelers $7,923 $12,521
USAA $4,035 $4,473

Cheap Shelby, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shelby, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,818 $1,853
Farmers $2,170 $2,311
GEICO $1,878 $1,947
Liberty Mutual $2,384 $2,666
Nationwide $1,532 $1,583
Progressive $2,115 $2,258
State Farm $2,704 $2,704
Travelers $1,369 $1,365
USAA $1,267 $1,241

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

Annual Shelby, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,846 $3,361 $3,989 $3,220
Farmers $3,609 $4,680 $4,565 $4,317
GEICO $1,853 $2,992 $3,711 $2,465
Liberty Mutual $3,942 $5,492 $5,361 $5,308
Nationwide $2,249 $2,249 $3,259 $2,507
Progressive $4,327 $5,455 $4,656 $4,746
State Farm $4,424 $5,514 $4,860 $4,860
Travelers $3,026 $3,174 $4,648 $3,680
USAA $1,675 $2,102 $3,126 $1,812

Cheap Shelby, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shelby, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,989
Farmers $4,565
GEICO $3,711
Liberty Mutual $5,361
Nationwide $3,259
Progressive $4,656
State Farm $4,860
Travelers $4,648
USAA $3,126

Cheap Shelby, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Shelby, Alabama

Insurance Company Poor Fair Good
Allstate $4,138 $3,258 $2,666
Farmers $4,806 $4,145 $3,927
GEICO $3,504 $2,500 $2,262
Liberty Mutual $7,182 $4,422 $3,473
Nationwide $3,092 $2,418 $2,189
Progressive $5,402 $4,644 $4,342
State Farm $7,975 $4,032 $2,736
Travelers $3,958 $3,435 $3,502
USAA $2,933 $1,904 $1,699

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Cheap Shelby, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Shelby, Alabama

ZIP Code Average Annual Rates
35143 $3,836

Cheap Shelby, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Shelby, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,354 $3,354
Farmers $4,293 $4,293
GEICO $2,707 $2,804
Liberty Mutual $5,026 $5,026
Nationwide $2,566 $2,566
Progressive $4,796 $4,796
State Farm $4,795 $5,034
Travelers $3,632 $3,632
USAA $2,079 $2,279

Cheap Shelby, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Shelby, Alabama

Insurance Company Low Medium High
Allstate $3,238 $3,350 $3,474
Farmers $4,039 $4,235 $4,605
GEICO $2,531 $2,743 $2,993
Liberty Mutual $4,793 $5,002 $5,282
Nationwide $2,541 $2,546 $2,611
Progressive $4,300 $4,772 $5,316
State Farm $4,643 $4,909 $5,190
Travelers $3,435 $3,704 $3,756
USAA $2,104 $2,168 $2,265

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Best By Category: Cheapest Auto Insurance in Shelby, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Shelby, Alabama

Insurance Company Average Annual Rates
Allstate $3,354
Farmers $4,293
GEICO $2,755
Liberty Mutual $5,026
Nationwide $2,566
Progressive $4,796
State Farm $4,914
Travelers $3,632
USAA $2,179

What affects auto insurance rates in Shelby, Alabama?

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

Shelby Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shelby, Alabama commute length is 34.1 minutes according to City-Data.

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Compare Shelby, Alabama Auto Insurance Quotes

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