Best Boaz, Alabama Auto Insurance in 2024
The average Boaz, AL auto insurance rates are $300 per month. The minimum auto insurance in Boaz is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Boaz, Alabama, compare quotes from multiple companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Aug 21, 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 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: Aug 21, 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 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 most expensive auto insurance company in Boaz for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Boaz is USAA
- Average auto insurance rates in Boaz, AL for senior drivers are $1,904 per year
Boaz, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Boaz 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 Boaz, Alabama, including driving record, credit, commute time, and more.
Compare auto insurance in Boaz to other Alabama cities, including Dothan auto insurance rates, Montgomery auto insurance rates, and Decatur auto insurance rates to see how Boaz, Alabama auto insurance rates stack up.
Before you buy Boaz, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Boaz, Alabama auto insurance quotes.
Minimum Auto Insurance in Boaz, Alabama
Boaz, 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 Boaz, 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 Boaz, Alabama Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Boaz, 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 | $2,037 | $1,941 | $1,842 | $1,877 | $7,094 | $7,618 | $2,283 | $2,336 |
| Farmers | $2,398 | $2,380 | $2,142 | $2,280 | $9,388 | $9,656 | $2,724 | $2,825 |
| Geico | $2,012 | $2,002 | $1,917 | $1,984 | $5,308 | $5,206 | $2,125 | $1,972 |
| Liberty Mutual | $2,977 | $3,215 | $2,443 | $2,732 | $10,936 | $12,158 | $3,166 | $3,369 |
| Nationwide | $1,667 | $1,686 | $1,523 | $1,574 | $4,398 | $5,644 | $1,850 | $2,062 |
| Progressive | $2,290 | $2,139 | $1,881 | $2,008 | $9,708 | $10,834 | $2,685 | $2,875 |
| State Farm | $2,844 | $2,844 | $2,586 | $2,586 | $8,806 | $11,001 | $3,218 | $3,726 |
| Travelers | $1,344 | $1,364 | $1,267 | $1,260 | $7,102 | $11,082 | $1,276 | $1,456 |
| USAA | $1,284 | $1,301 | $1,201 | $1,175 | $3,854 | $4,270 | $1,673 | $1,802 |
Cheap Boaz, Alabama Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Boaz, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Boaz, Alabama.
Read more in our article: Cheapest Teen Driver Auto Insurance in Alabama.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,094 | $7,618 |
| Farmers | $9,388 | $9,656 |
| Geico | $5,308 | $5,206 |
| Liberty Mutual | $10,936 | $12,158 |
| Nationwide | $4,398 | $5,644 |
| Progressive | $9,708 | $10,834 |
| State Farm | $8,806 | $11,001 |
| Travelers | $7,102 | $11,082 |
| USAA | $3,854 | $4,270 |
Cheap Boaz, Alabama Auto Insurance for Seniors
What are senior auto insurance rates in Boaz, 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 | $1,842 | $1,877 |
| Farmers | $2,142 | $2,280 |
| Geico | $1,917 | $1,984 |
| Liberty Mutual | $2,443 | $2,732 |
| Nationwide | $1,523 | $1,574 |
| Progressive | $1,881 | $2,008 |
| State Farm | $2,586 | $2,586 |
| Travelers | $1,267 | $1,260 |
| USAA | $1,201 | $1,175 |
Cheap Boaz, 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 Boaz, Alabama compared to the annual auto insurance rates with a clean record in Boaz, Alabama.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,871 | $3,384 | $4,015 | $3,245 |
| Farmers | $3,552 | $4,602 | $4,489 | $4,254 |
| Geico | $1,897 | $3,056 | $3,781 | $2,528 |
| Liberty Mutual | $4,018 | $5,599 | $5,468 | $5,414 |
| Nationwide | $2,236 | $2,236 | $3,238 | $2,492 |
| Progressive | $3,880 | $4,901 | $4,177 | $4,252 |
| State Farm | $4,230 | $5,278 | $4,649 | $4,649 |
| Travelers | $2,722 | $2,856 | $4,180 | $3,317 |
| USAA | $1,593 | $2,001 | $2,964 | $1,722 |
Cheap Boaz, Alabama Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Boaz, Alabama is not easy. Compare the annual rates for DUI auto insurance in Boaz, Alabama to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,015 |
| Farmers | $4,489 |
| Geico | $3,781 |
| Liberty Mutual | $5,468 |
| Nationwide | $3,238 |
| Progressive | $4,177 |
| State Farm | $4,649 |
| Travelers | $4,180 |
| USAA | $2,964 |
Cheap Boaz, Alabama Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Boaz, Alabama annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,172 | $3,280 | $2,684 |
| Farmers | $4,734 | $4,076 | $3,862 |
| Geico | $3,582 | $2,555 | $2,311 |
| Liberty Mutual | $7,334 | $4,504 | $3,535 |
| Nationwide | $3,074 | $2,403 | $2,175 |
| Progressive | $4,837 | $4,168 | $3,902 |
| State Farm | $7,622 | $3,859 | $2,623 |
| Travelers | $3,566 | $3,092 | $3,149 |
| USAA | $2,777 | $1,813 | $1,620 |
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Cheap Boaz, Alabama Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Boaz, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Boaz, Alabama to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 35956 | $3,787 |
| 35957 | $3,611 |
Cheap Boaz, Alabama Auto Insurance Rates By Commute
Commute length and annual mileage affect Boaz, Alabama auto insurance. Find the cheapest annual Boaz, Alabama auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,379 | $3,379 |
| Farmers | $4,224 | $4,224 |
| Geico | $2,765 | $2,866 |
| Liberty Mutual | $5,124 | $5,124 |
| Nationwide | $2,551 | $2,551 |
| Progressive | $4,303 | $4,303 |
| State Farm | $4,588 | $4,815 |
| Travelers | $3,269 | $3,269 |
| USAA | $1,976 | $2,165 |
Cheap Boaz, Alabama Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Boaz, Alabama? Check out the comparison of annual Boaz, Alabama auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,263 | $3,373 | $3,500 |
| Farmers | $3,976 | $4,166 | $4,530 |
| Geico | $2,590 | $2,803 | $3,054 |
| Liberty Mutual | $4,883 | $5,100 | $5,391 |
| Nationwide | $2,528 | $2,530 | $2,594 |
| Progressive | $3,864 | $4,283 | $4,761 |
| State Farm | $4,439 | $4,695 | $4,969 |
| Travelers | $3,116 | $3,334 | $3,357 |
| USAA | $1,994 | $2,059 | $2,158 |
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Best By Category: Cheapest Auto Insurance in Boaz, Alabama
Compare the cheapest auto insurance companies in Boaz, 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 Boaz, Alabama Auto Insurance Companies
What auto insurance companies in Boaz, Alabama are the cheapest? Compare the top Boaz, Alabama auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,379 |
| Farmers | $4,224 |
| Geico | $2,816 |
| Liberty Mutual | $5,124 |
| Nationwide | $2,551 |
| Progressive | $4,303 |
| State Farm | $4,701 |
| Travelers | $3,269 |
| USAA | $2,070 |
What affects auto insurance rates in Boaz, Alabama?
There are a lot of reasons why auto insurance rates in Boaz, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Boaz, Alabama. Many local factors may affect your Boaz auto insurance rates.
Boaz Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Boaz, Alabama auto theft statistics, there have been 37 auto thefts in the city.
Boaz Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Boaz, Alabama commute length is 21.3 minutes according to City-Data.
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Compare Boaz, Alabama Auto Insurance Quotes
Before you buy Boaz, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Boaz, Alabama auto insurance quotes.
Frequently Asked Questions
What is auto insurance and why is it important in Boaz, AL?
Auto insurance is a contract between you and an insurance company that provides financial protection in case of an accident or damage to your vehicle. It is important in Boaz, AL, as it is required by law to have at least the minimum liability coverage to drive legally. Auto insurance helps cover the costs of repairs, medical expenses, and liability claims that may arise from accidents.
What are the minimum auto insurance requirements in Boaz, AL?
In Boaz, AL, the minimum auto insurance requirements include liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. This is often referred to as 25/50/25 coverage.
What other types of auto insurance coverage are available in Boaz, AL?
In addition to the minimum liability coverage, you have the option to add additional coverage to your auto insurance policy in Boaz, AL. Some common types of coverage include:
- Collision coverage (for damage to your vehicle in case of an accident)
- Comprehensive coverage (for damage from non-collision incidents like theft or weather damage) uninsured/underinsured motorist coverage (protection if you’re in an accident with someone who has no insurance or inadequate coverage)
- Medical payments coverage (for medical expenses resulting from an accident).
Are there any specific factors that can affect my auto insurance rates in Boaz, AL?
Yes, several factors can influence your auto insurance rates in Boaz, AL. These may include your driving record, age, gender, marital status, credit history, the type of vehicle you drive, your location in Boaz, the coverage options you choose, and the deductible amount. Insurance companies use these factors to assess the level of risk and determine the premiums you’ll pay.
Can I get discounts on auto insurance in Boaz, AL?
Yes, many insurance companies offer discounts that can help lower your auto insurance premiums in Boaz, AL. Common discounts include safe driver discounts, multi-policy discounts (when you have multiple policies with the same insurer), good student discounts, and discounts for safety features installed in your vehicle, such as anti-theft systems or anti-lock brakes. It’s recommended to ask your insurance provider about the available discounts and see if you qualify for any.
What should I do if I’m involved in an accident in Boaz, AL?
If you’re involved in an accident in Boaz, AL, it’s important to first ensure your safety and the safety of others involved. Contact the local authorities to report the accident and exchange information with the other party, including names, contact information, and insurance details. Notify your insurance company about the accident as soon as possible and provide them with all the necessary information. They will guide you through the claims process and help you with any questions or concerns you may have.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.