Best Cheap Auto Insurance in Valley, AL (2021)

The average Valley, AL auto insurance rates are $306 per month. The minimum auto insurance in Valley is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Valley, 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 Valley, Alabama is 25/50/25
  • The cheapest auto insurance company in Valley is USAA
  • The most expensive auto insurance company in Valley for teen drivers is Liberty Mutual

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

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

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

Minimum Auto Insurance in Valley, Alabama

Valley, 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 Valley, Alabama.

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

Auto insurance rates in Valley, 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 Valley, 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 $2,548 $2,536 $2,283 $2,410 $9,410 $9,698 $2,895 $3,032
GEICO $2,128 $2,108 $1,997 $2,040 $5,489 $5,415 $2,246 $2,105
Liberty Mutual $3,048 $3,293 $2,497 $2,794 $11,076 $12,321 $3,250 $3,465
Nationwide $1,720 $1,745 $1,564 $1,624 $4,446 $5,755 $1,906 $2,136
Progressive $2,232 $2,104 $1,832 $1,944 $9,023 $10,091 $2,622 $2,803
State Farm $2,851 $2,851 $2,573 $2,573 $8,515 $10,689 $3,219 $3,696
Travelers $1,585 $1,611 $1,484 $1,481 $8,574 $13,577 $1,498 $1,721
USAA $1,377 $1,398 $1,285 $1,259 $4,109 $4,556 $1,794 $1,938

Cheap Valley, Alabama Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Valley, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,357 $6,831
Farmers $9,410 $9,698
GEICO $5,489 $5,415
Liberty Mutual $11,076 $12,321
Nationwide $4,446 $5,755
Progressive $9,023 $10,091
State Farm $8,515 $10,689
Travelers $8,574 $13,577
USAA $4,109 $4,556

Cheap Valley, Alabama Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Valley, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,676 $1,709
Farmers $2,283 $2,410
GEICO $1,997 $2,040
Liberty Mutual $2,497 $2,794
Nationwide $1,564 $1,624
Progressive $1,832 $1,944
State Farm $2,573 $2,573
Travelers $1,484 $1,481
USAA $1,285 $1,259

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

Annual Valley, 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 $3,669 $4,724 $4,608 $4,404
GEICO $1,999 $3,186 $3,902 $2,678
Liberty Mutual $4,093 $5,695 $5,572 $5,511
Nationwide $2,283 $2,283 $3,331 $2,551
Progressive $3,692 $4,625 $3,956 $4,052
State Farm $4,179 $5,161 $4,572 $4,572
Travelers $3,284 $3,446 $5,038 $3,998
USAA $1,702 $2,137 $3,177 $1,842

Cheap Valley, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Valley, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,610
Farmers $4,608
GEICO $3,902
Liberty Mutual $5,572
Nationwide $3,331
Progressive $3,956
State Farm $4,572
Travelers $5,038
USAA $3,177

Cheap Valley, Alabama Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Valley, Alabama

Insurance Company Poor Fair Good
Allstate $3,775 $2,961 $2,421
Farmers $4,887 $4,192 $3,976
GEICO $3,742 $2,668 $2,413
Liberty Mutual $7,473 $4,582 $3,598
Nationwide $3,155 $2,458 $2,223
Progressive $4,617 $3,946 $3,681
State Farm $7,495 $3,792 $2,575
Travelers $4,298 $3,727 $3,800
USAA $2,977 $1,937 $1,729

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Cheap Valley, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Valley, Alabama

ZIP Code Average Annual Rates
36854 $3,769

Cheap Valley, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Valley, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,052 $3,052
Farmers $4,352 $4,352
GEICO $2,886 $2,996
Liberty Mutual $5,218 $5,218
Nationwide $2,612 $2,612
Progressive $4,081 $4,081
State Farm $4,508 $4,734
Travelers $3,941 $3,941
USAA $2,113 $2,316

Cheap Valley, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Valley, Alabama

Insurance Company Low Medium High
Allstate $2,949 $3,048 $3,160
Farmers $4,139 $4,302 $4,613
GEICO $2,736 $2,929 $3,159
Liberty Mutual $4,981 $5,194 $5,479
Nationwide $2,607 $2,586 $2,642
Progressive $3,694 $4,063 $4,488
State Farm $4,366 $4,616 $4,882
Travelers $3,728 $4,021 $4,076
USAA $2,136 $2,203 $2,304

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Best By Category: Cheapest Auto Insurance in Valley, Alabama

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

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

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

Average Annual Auto Insurance Rates by Company in Valley, Alabama

Insurance Company Average Annual Rates
Allstate $3,052
Farmers $4,352
GEICO $2,941
Liberty Mutual $5,218
Nationwide $2,612
Progressive $4,081
State Farm $4,621
Travelers $3,941
USAA $2,214

What affects auto insurance rates in Valley, Alabama?

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

Valley Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Valley, Alabama auto theft statistics, there have been 38 auto thefts in the city.

Valley Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Valley, Alabama commute length is 22.7 minutes according to City-Data.

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Compare Valley, Alabama Auto Insurance Quotes

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