Affordable Car Insurance Rates in Gulf Shores, AL (2024)
Car insurance rates in Gulf Shores, AL are $298/month on average. By law, Alabama drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Gulf Shores car insurance companies to get the coverage you need at the best rates available.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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
- Average car insurance rates in Gulf Shores, AL are $298/month
- The annual number of car thefts in Gulf Shores is 25.
- The cheapest car insurance company in Gulf Shores for teen drivers is USAA
Average car insurance rates in Gulf Shores, Alabama are $298 a month. But with a little research you can get a great deal from the top car insurance companies in Gulf Shores, AL. Before you buy Gulf Shores, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.
It may even be helpful to compare Gulf Shores car insurance rates with Birmingham car insurance rates, Decatur car insurance rates, or Madison car insurance rates to make sure you’re getting the best Gulf Shores, AL car insurance quotes available.
Need affordable Gulf Shores, AL car insurance? Enter your ZIP code to compare Gulf Shores car insurance quotes from multiple car insurance companies near you.
Gulf Shores, AL Minimum Car Insurance Coverage
Gulf Shores, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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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Gulf Shores, AL Car Insurance Rates by Coverage Level
Some Gulf Shores drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Gulf Shores, Alabama car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,019 | $3,116 | $3,224 |
| Farmers | $3,811 | $3,994 | $4,342 |
| Geico | $2,395 | $2,606 | $2,853 |
| Liberty Mutual | $4,967 | $5,189 | $5,486 |
| Nationwide | $2,452 | $2,462 | $2,528 |
| Progressive | $3,804 | $4,247 | $4,760 |
| State Farm | $4,002 | $4,252 | $4,517 |
| Travelers | $3,995 | $4,289 | $4,332 |
| USAA | $1,869 | $1,934 | $2,035 |
Gulf Shores, AL Car Insurance Rates by Age, Gender, and Marital Status
Gulf Shores, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Gulf Shores, AL car insurance, get quotes from multiple car insurance companies in the Gulf Shores area and see how these criteria affect your rates.
| 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 | $1,867 | $1,777 | $1,693 | $1,725 | $6,589 | $7,101 | $2,082 | $2,124 |
| Farmers | $2,306 | $2,288 | $2,059 | $2,192 | $8,989 | $9,246 | $2,611 | $2,703 |
| Geico | $1,875 | $1,861 | $1,795 | $1,862 | $4,934 | $4,812 | $1,980 | $1,824 |
| Liberty Mutual | $3,026 | $3,268 | $2,482 | $2,777 | $11,136 | $12,384 | $3,218 | $3,422 |
| Nationwide | $1,625 | $1,642 | $1,486 | $1,534 | $4,274 | $5,478 | $1,801 | $2,006 |
| Progressive | $2,348 | $2,206 | $1,930 | $2,056 | $9,447 | $10,540 | $2,741 | $2,896 |
| State Farm | $2,578 | $2,578 | $2,348 | $2,348 | $7,962 | $9,967 | $2,916 | $3,358 |
| Travelers | $1,676 | $1,702 | $1,576 | $1,570 | $9,202 | $14,523 | $1,583 | $1,810 |
| USAA | $1,214 | $1,231 | $1,138 | $1,117 | $3,602 | $3,990 | $1,576 | $1,701 |
Gulf Shores, AL Car Insurance Rates for Teens
How much is Gulf Shores, Alabama car insurance for teens? Compare rates from top Gulf Shores car insurance companies below to help find the cheapest teen car insurance in Gulf Shores, AL.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,589 | $7,101 |
| Farmers | $8,989 | $9,246 |
| Geico | $4,934 | $4,812 |
| Liberty Mutual | $11,136 | $12,384 |
| Nationwide | $4,274 | $5,478 |
| Progressive | $9,447 | $10,540 |
| State Farm | $7,962 | $9,967 |
| Travelers | $9,202 | $14,523 |
| USAA | $3,602 | $3,990 |
Gulf Shores, AL Car Insurance Rates for Seniors
Before seniors buy Gulf Shores, Alabama car insurance, they should make sure to shop around. Some Gulf Shores, AL car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,693 | $1,725 |
| Farmers | $2,059 | $2,192 |
| Geico | $1,795 | $1,862 |
| Liberty Mutual | $2,482 | $2,777 |
| Nationwide | $1,486 | $1,534 |
| Progressive | $1,930 | $2,056 |
| State Farm | $2,348 | $2,348 |
| Travelers | $1,576 | $1,570 |
| USAA | $1,138 | $1,117 |
Gulf Shores, AL Car Insurance Rates by Credit History
How does your credit history affect Gulf Shores, AL car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,850 | $3,031 | $2,479 |
| Farmers | $4,535 | $3,908 | $3,704 |
| Geico | $3,328 | $2,376 | $2,150 |
| Liberty Mutual | $7,459 | $4,584 | $3,600 |
| Nationwide | $2,987 | $2,338 | $2,118 |
| Progressive | $4,829 | $4,130 | $3,852 |
| State Farm | $6,900 | $3,495 | $2,376 |
| Travelers | $4,583 | $3,978 | $4,055 |
| USAA | $2,604 | $1,707 | $1,527 |
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Gulf Shores, AL Car Insurance Rates by Driver History
How does a single speeding ticket affect your Gulf Shores, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Gulf Shores.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,647 | $3,123 | $3,713 | $2,996 |
| Farmers | $3,408 | $4,412 | $4,304 | $4,073 |
| Geico | $1,764 | $2,840 | $3,520 | $2,347 |
| Liberty Mutual | $4,090 | $5,695 | $5,565 | $5,507 |
| Nationwide | $2,177 | $2,177 | $3,145 | $2,424 |
| Progressive | $3,852 | $4,833 | $4,164 | $4,232 |
| State Farm | $3,831 | $4,777 | $4,210 | $4,210 |
| Travelers | $3,498 | $3,671 | $5,390 | $4,262 |
| USAA | $1,500 | $1,882 | $2,782 | $1,622 |
Gulf Shores, AL Car Insurance Rates With a DUI
Even a single DUI can increase your Gulf Shores, AL car insurance rates. Compare rates below to see which Gulf Shores car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,713 |
| Farmers | $4,304 |
| Geico | $3,520 |
| Liberty Mutual | $5,565 |
| Nationwide | $3,145 |
| Progressive | $4,164 |
| State Farm | $4,210 |
| Travelers | $5,390 |
| USAA | $2,782 |
Gulf Shores, AL Car Insurance Rates by ZIP Code
Just like Gulf Shores car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Gulf Shores, AL car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 36542 | $3,711 |
| 36561 | $3,688 |
Gulf Shores, AL Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Gulf Shores, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Gulf Shores companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,120 | $3,120 |
| Farmers | $4,049 | $4,049 |
| Geico | $2,571 | $2,665 |
| Liberty Mutual | $5,214 | $5,214 |
| Nationwide | $2,481 | $2,481 |
| Progressive | $4,270 | $4,270 |
| State Farm | $4,152 | $4,362 |
| Travelers | $4,205 | $4,205 |
| USAA | $1,857 | $2,035 |
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Gulf Shores, AL Cheapest Car Insurance Rates
How do the top Gulf Shores, Alabama car insurance companies’ average rates stack up against the Gulf Shores average monthly car insurance rates of $298? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Gulf Shores, AL Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Gulf Shores, Alabama car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,120 |
| Farmers | $4,049 |
| Geico | $2,618 |
| Liberty Mutual | $5,214 |
| Nationwide | $2,481 |
| Progressive | $4,270 |
| State Farm | $4,257 |
| Travelers | $4,205 |
| USAA | $1,946 |
Other Factors Affecting Gulf Shores, AL Car Insurance Rates
Before you buy Gulf Shores, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Gulf Shores, AL Car Theft Rates
The car theft rate in Gulf Shores, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Gulf Shores, Alabama is 25 stolen cars.
Gulf Shores, AL Commute Time
How does your Gulf Shores, AL commute time compare with the average driver? In Gulf Shores, the average commute is 23.9 minutes.
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Gulf Shores, AL Car Insurance Quotes
Compare Gulf Shores, AL car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.