Guntersville, AL Auto Insurance (2024)
The average Guntersville, AL auto insurance rates are $299 per month. The minimum auto insurance in Guntersville is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Guntersville, Alabama, compare quotes from multiple companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jun 22, 2023
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.
UPDATED: Jun 22, 2023
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.
On This Page
- The cheapest auto insurance company in Guntersville is USAA
- The minimum auto insurance required in Guntersville, Alabama is 25/50/25
- Average auto insurance rates in Guntersville, AL for senior drivers are $1,894 per year
Guntersville, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Guntersville 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 Guntersville, Alabama, including driving record, credit, commute time, and more.
Compare auto insurance in Guntersville to other Alabama cities, including Madison auto insurance rates, Huntsville auto insurance rates, and Decatur auto insurance rates to see how Guntersville, Alabama auto insurance rates stack up.
Before you buy Guntersville, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Guntersville, Alabama auto insurance quotes.
Minimum Auto Insurance in Guntersville, Alabama
Guntersville, 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 Guntersville, 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 Guntersville, Alabama Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Guntersville, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,034 | $1,938 | $1,839 | $1,874 | $7,078 | $7,599 | $2,280 | $2,333 |
| Farmers | $2,288 | $2,269 | $2,044 | $2,172 | $8,901 | $9,156 | $2,607 | $2,713 |
| Geico | $1,887 | $1,878 | $1,810 | $1,872 | $4,963 | $4,863 | $1,985 | $1,837 |
| Liberty Mutual | $2,932 | $3,166 | $2,406 | $2,689 | $10,743 | $11,940 | $3,121 | $3,324 |
| Nationwide | $1,634 | $1,653 | $1,494 | $1,543 | $4,292 | $5,507 | $1,812 | $2,019 |
| Progressive | $2,217 | $2,072 | $1,818 | $1,944 | $9,352 | $10,436 | $2,597 | $2,778 |
| State Farm | $3,129 | $3,129 | $2,843 | $2,843 | $9,765 | $12,189 | $3,542 | $4,116 |
| Travelers | $1,344 | $1,364 | $1,265 | $1,259 | $7,090 | $11,115 | $1,273 | $1,455 |
| USAA | $1,290 | $1,307 | $1,206 | $1,179 | $3,876 | $4,295 | $1,681 | $1,811 |
Cheap Guntersville, Alabama Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Guntersville, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Guntersville, Alabama.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,078 | $7,599 |
| Farmers | $8,901 | $9,156 |
| Geico | $4,963 | $4,863 |
| Liberty Mutual | $10,743 | $11,940 |
| Nationwide | $4,292 | $5,507 |
| Progressive | $9,352 | $10,436 |
| State Farm | $9,765 | $12,189 |
| Travelers | $7,090 | $11,115 |
| USAA | $3,876 | $4,295 |
Cheap Guntersville, Alabama Auto Insurance for Seniors
What are senior auto insurance rates in Guntersville, Alabama? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,839 | $1,874 |
| Farmers | $2,044 | $2,172 |
| Geico | $1,810 | $1,872 |
| Liberty Mutual | $2,406 | $2,689 |
| Nationwide | $1,494 | $1,543 |
| Progressive | $1,818 | $1,944 |
| State Farm | $2,843 | $2,843 |
| Travelers | $1,265 | $1,259 |
| USAA | $1,206 | $1,179 |
Cheap Guntersville, 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 Guntersville, Alabama compared to the annual auto insurance rates with a clean record in Guntersville, Alabama.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,865 | $3,377 | $4,007 | $3,239 |
| Farmers | $3,377 | $4,375 | $4,267 | $4,056 |
| Geico | $1,776 | $2,863 | $3,548 | $2,362 |
| Liberty Mutual | $3,951 | $5,506 | $5,378 | $5,325 |
| Nationwide | $2,188 | $2,188 | $3,164 | $2,437 |
| Progressive | $3,746 | $4,728 | $4,027 | $4,106 |
| State Farm | $4,669 | $5,837 | $5,136 | $5,136 |
| Travelers | $2,724 | $2,859 | $4,177 | $3,322 |
| USAA | $1,600 | $2,011 | $2,980 | $1,731 |
Cheap Guntersville, Alabama Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Guntersville, Alabama is not easy. Compare the annual rates for DUI auto insurance in Guntersville, Alabama to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,007 |
| Farmers | $4,267 |
| Geico | $3,548 |
| Liberty Mutual | $5,378 |
| Nationwide | $3,164 |
| Progressive | $4,027 |
| State Farm | $5,136 |
| Travelers | $4,177 |
| USAA | $2,980 |
Cheap Guntersville, Alabama Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Guntersville, Alabama annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,164 | $3,274 | $2,678 |
| Farmers | $4,505 | $3,877 | $3,674 |
| Geico | $3,353 | $2,393 | $2,165 |
| Liberty Mutual | $7,215 | $4,429 | $3,476 |
| Nationwide | $3,007 | $2,349 | $2,126 |
| Progressive | $4,671 | $4,021 | $3,763 |
| State Farm | $8,433 | $4,261 | $2,889 |
| Travelers | $3,569 | $3,092 | $3,150 |
| USAA | $2,792 | $1,822 | $1,628 |
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Cheap Guntersville, Alabama Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Guntersville, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Guntersville, Alabama to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 35976 | $3,660 |
Cheap Guntersville, Alabama Auto Insurance Rates By Commute
Commute length and annual mileage affect Guntersville, Alabama auto insurance. Find the cheapest annual Guntersville, Alabama auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,372 | $3,372 |
| Farmers | $4,019 | $4,019 |
| Geico | $2,591 | $2,683 |
| Liberty Mutual | $5,040 | $5,040 |
| Nationwide | $2,494 | $2,494 |
| Progressive | $4,152 | $4,152 |
| State Farm | $5,070 | $5,319 |
| Travelers | $3,270 | $3,270 |
| USAA | $1,986 | $2,176 |
Cheap Guntersville, Alabama Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Guntersville, Alabama? Check out the comparison of annual Guntersville, Alabama auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,256 | $3,366 | $3,493 |
| Farmers | $3,797 | $3,967 | $4,292 |
| Geico | $2,419 | $2,624 | $2,868 |
| Liberty Mutual | $4,809 | $5,016 | $5,295 |
| Nationwide | $2,476 | $2,473 | $2,534 |
| Progressive | $3,727 | $4,131 | $4,597 |
| State Farm | $4,919 | $5,190 | $5,474 |
| Travelers | $3,099 | $3,336 | $3,377 |
| USAA | $2,004 | $2,069 | $2,168 |
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Best By Category: Cheapest Auto Insurance in Guntersville, Alabama
Compare the cheapest auto insurance companies in Guntersville, Alabama in each category to find the company with the best rates for your personal needs.
| 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 Guntersville, Alabama Auto Insurance Companies
What auto insurance companies in Guntersville, Alabama are the cheapest? Compare the top Guntersville, Alabama auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,372 |
| Farmers | $4,019 |
| Geico | $2,637 |
| Liberty Mutual | $5,040 |
| Nationwide | $2,494 |
| Progressive | $4,152 |
| State Farm | $5,194 |
| Travelers | $3,270 |
| USAA | $2,081 |
What affects auto insurance rates in Guntersville, Alabama?
There are a lot of reasons why auto insurance rates in Guntersville, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Guntersville, Alabama. Many local factors may affect your Guntersville auto insurance rates.
Guntersville Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Guntersville, Alabama auto theft statistics, there have been 41 auto thefts in the city.
Guntersville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Guntersville, Alabama commute length is 22.9 minutes according to City-Data.
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Compare Guntersville, Alabama Auto Insurance Quotes
Before you buy Guntersville, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Guntersville, Alabama auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Guntersville, Alabama?
In Guntersville, Alabama, the minimum auto insurance requirements are 25/50/25 coverage, as mandated by the state’s auto insurance laws.
How can I find the best cheap auto insurance in Guntersville, Alabama?
To find the best cheap auto insurance in Guntersville, Alabama, it is recommended to compare quotes from multiple insurance companies. This allows you to compare rates and coverage options to find the most affordable and suitable policy for your needs.
How do age, gender, and marital status affect auto insurance rates in Guntersville, Alabama?
Age, gender, and marital status can impact auto insurance rates in Guntersville, Alabama. Generally, younger drivers, especially teenagers, tend to have higher insurance rates. Additionally, male drivers may have higher rates compared to female drivers. Married individuals, on the other hand, may qualify for lower insurance rates due to statistical data indicating lower risk.
Are there special considerations for teen drivers in Guntersville, Alabama when it comes to auto insurance?
Teen drivers in Guntersville, Alabama often face higher insurance rates due to their lack of driving experience. It is important to compare rates from different insurance providers and explore options such as discounts for good grades or completing driver’s education courses to find more affordable insurance for teen drivers.
How does driving record affect auto insurance rates in Guntersville, Alabama?
Driving record plays a significant role in determining auto insurance rates in Guntersville, Alabama. Drivers with a clean record typically enjoy lower rates, while those with a history of accidents or traffic violations may face higher premiums. It’s important to maintain a good driving record to keep insurance costs down.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.