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Jerry Data & Research
Cheapest car insurance in Abbeville, Alabama (Nov 2024)
Cheapest car insurance in Abbeville, Alabama (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Abbeville, Alabama.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Abbeville
- Best auto insurance companies in Abbeville
- Best cheap car insurance quotes in Abbeville
- Average cost of car insurance in Abbeville
- Car insurance quotes in Abbeville by rating factors
- How do different factors impact your car insurance costs in Abbeville?
- Cheap car insurance quotes in Abbeville for drivers with poor credit
- How to lower car insurance costs in Abbeville
- FAQ
- Methodology
- Meet our experts
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How to find the cheapest car insurance in Abbeville
Minimum
car insurance
coverage in Abbeville costs about $58 per month for the average driver, which works out to $691 per year. Full coverage costs more—$133 per month or $1,591 per year.The good news is that cheap rates are easy to find if you pull multiple quotes from different insurance companies.
Jerry
can help Abbeville drivers generate custom rates to find the lowest price.Abbeville drivers have used Jerry to find reasonable car insurance rates. Check it out.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $102 | Rose, 38 Zip: 36310 | Chevrolet Sonic LT | • State Minimum Liability • Comp / Collision |
| Bristol West | $117 | Jonathan, 49 Zip: 36310 | Ford Explorer Limited | • State Minimum Liability • Comp / Collision |
| Assurance America | $142 | Martha, 43 Zip: 36310 | Chevrolet Camaro LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Best auto insurance companies in Abbeville
Progressive
and Safeco
earned top ratings in a recent survey of Abbeville drivers, though Liberty Mutual and State Farm
also earned good overall ratings. However, Allstate
and USAA
might offer better rates for your specific profile.In reality, there’s no best car insurance company for every person in Abbeville. Driver profiles are highly unique, which means that
insurance quotes
vary from one person to the next—even in the same town.The cost of coverage matters, but make sure you consider factors like claims handling and customer service, too.
Check out what real drivers had to say about insurance providers in Abbeville. This data is from a recent Jerry survey conducted nationwide on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 4.2 | 4.1 |
| Safeco | 4.3 | 3.7 | N/A | 4.3 |
| Travelers | 3.7 | 3.7 | N/A | 3.7 |
| Geico | 3.6 | 2.5 | 3.7 | 4 |
| Allstate | 3.5 | 3.5 | N/A | 3.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Abbeville
Minimum coverage is the best way to enjoy cheap insurance in Abbeville. It doesn’t offer you or your vehicle as much protection, but it is the most affordable way to legally drive in Alabama.
Cheap minimum liability insurance quotes in Abbeville
In Alabama, minimum coverage means 25/50/25 minimum liability coverage: $25,000 per person
bodily injury
, $50,000 per accident bodily injury liability, and $25,000 property damage
liability. If you cause damage to other people or property, your insurance policy will pay out up to these limits.You can exceed these minimum liability limits, but you can’t go below them as
all drivers must have insurance in Alabama
. In fact, no company will sell you a policy with less coverage here.Check out these minimum coverage rates from real Abbeville drivers that used Jerry to find a cheap car insurance policy.
Rose (38 years old)
$102
per month
Jonathan (49 years old)
$117
per month
Martha (43 years old)
$142
per month
Do you need more than minimum coverage in Abbeville?
Legally speaking, no.
Alabama car insurance requirements
state that any driver with 25/50/25 coverage is allowed on the road.Practically speaking, yes—you should consider more coverage.
If you cause an accident that results in serious damage, you’re still on the hook for anything beyond your policy limits. A new car costs way more than $25,000, and an extended hospital stay might very well exceed $50,000.
To solve this, you can increase your liability limits. Experts recommend 100/300/100.
Then, there’s your own vehicle to consider. You will need full coverage if you want any protection for your own car’s damage.
Cheap full coverage car insurance quotes in Abbeville
Expect to spend around $133 per month on full coverage car insurance in Abbeville. That’s about $1,591 per year to protect your vehicle from damage—cheaper than the state average!
Full coverage
includes collision and comprehensive coverage:- Collision coverageis for collision-related damages, like hitting a mailbox or another car.
- Comprehensive coverageis for non-collision damages, like wind storm damage, vandalism, and theft. Repair and replacement are covered.
This is optional in Alabama, although some car lenders may require you to carry full coverage until your loan is fully paid off.
Nearly 20% of Alabama drivers are uninsured
—one of the highest rates in the nation. If you get into an accident with one of them, you won’t have any protection with your basic liability policy.Check out these Abbeville drivers who found cheap full coverage rates with Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $102 | Rose, 38 Zip: 36310 | Chevrolet Sonic LT |
• State Minimum Liability • Comp / Collision | Bristol West | $117 | Jonathan, 49 Zip: 36310 | Ford Explorer Limited |
• State Minimum Liability • Comp / Collision | Assurance America | $142 | Martha, 43 Zip: 36310 | Chevrolet Camaro LT |
Last Updated Nov 23, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Abbeville
Most Abbeville drivers will pay $58 per month for minimum coverage ($691 per year) or $132 per month for full coverage ($1,591 per year).
Average rates, unfortunately, can’t tell you much about what your actual rate will be. Your car type, your personal driving history, and other details have a major impact on your final premium—even if you live in the same town as someone else.
Car insurance quotes in Abbeville by rating factors
Here are some of the most common factors that affect rates:
- Your location: Rural drivers tend to get cheaper rates because they enjoy lower crime rates, less dense populations, and fewer traffic accidents.
- Your driving record and claims history: Alabama drivers with violations on record will pay higher rates for coverage. The more violations and claims, the higher the rate.
- Your make/model: Luxury, sport, and high-performance vehicles tend to have higher insurance costs because replacement parts can be pricier and harder to find.
- Your credit score: Alabama allows companies to use your credit score to set rates. Low credit scores (under 600) mean higher risk and higher rates, whereas good credit earns the best rates.
- Your mileage: The more you drive, the more you’ll pay for coverage. Commuters tend to pay more than people who work from home
- Your demographics: Age, marital status, professional, and gender can all impact your risk profile and thus your insurance rate.
How do different factors impact your car insurance costs in Abbeville?
How do different factors impact your car insurance costs in Abbeville?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Alabama currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Abbeville:
Cheap car insurance quotes in Abbeville after driving violations
A
clean driving record
is the best way to get low rates—but if you’ve got violations on your record, it’s still possible to get coverage.Expect higher-than-average auto insurance rates for:
- At-fault accidents
- DUIs
- Speeding
- Reckless driving
- Driving on a suspended license
Even a single incident can raise your rates. A pattern of violations is a serious red flag and your rates may increase for multiple years until you can demonstrate a record of safe behavior.
Cheapest car insurance in Abbeville after speeding ticket
Speeding tickets tend to raise your rates, especially if you were going way above the speed limit. Even so, Jerry has helped Abbeville drivers with tickets find affordable coverage.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $73 | Jason, 33 Zip: 36310 | Hyundai Palisade | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $65 | Emily, 41 Zip: 36310 | Chevrolet Impala | • State Minimum Liability |
Last Updated Nov 22, 2024Cheapest car insurance in Abbeville after DUI
Abbeville drivers with DUIs usually pay higher rates, no matter the company. They may even deny coverage.
Shopping around with Jerry can help you
compare rates
and find the lowest possible premium if you’re an Abbeville driver with a DUI on record. Here are some sample premiums from drivers in your situation.
Cheapest car insurance in Abbeville after an at-fault accident
At-fault accidents are a key signifier that you’re a risky driver. While Abbeville drivers with at-fault accidents on record can typically expect higher rates, it’s still wise to pull quotes from multiple companies.
Here’s what drivers with this risk profile are paying for coverage in Abbeville, thanks to Jerry.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Bristol West | $117 | Gavin, 48 Zip: 36310 | Ford Explorer Limited | • State Minimum Liability • Comp / Collision |
Not At Fault | Assurance America | $142 | Inez, 42 Zip: 36310 | Chevrolet Camaro LT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $117 | Jay, 48 Zip: 36310 | Ford Explorer Limited | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Abbeville after other driving violations
Any violation in Alabama can result in higher rates, including
reckless driving
, illegal turns, and driving on a suspended license
. But the rate hikes will be slightly different depending on the provider. Last Updated Nov 18, 2024Cheap car insurance quotes in Abbeville by age
Young and older drivers face the highest insurance rates—that’s true in Abbeville and elsewhere. The risk of getting into an accident is highest for teens and people over 70, hence the higher premiums.
Cheapest car insurance in Abbeville for young drivers
Teen drivers
can save money by staying on a parent’s policy or qualifying for a good student discount. Even so, they typically end up paying extremely high rates for coverage since they’re so inexperienced behind the wheel.Experts recommend full coverage for young drivers, especially if they’re driving a newer vehicle.
Premiums for young drivers in Abbeville vary from one company to the next—check it out.
Viola (23 years old)
$72
per month
Arthur (22 years old)
$72
per month
Cheapest car insurance in Abbeville for senior drivers
Older drivers
get reasonable rates—until they hit their mid-70s. The bad news is that prices for senior car insurance will almost always be higher than average due to the increased risk of sustaining severe injuries. The good news is that shopping around can help senior drivers in Abbeville find the best rates.
Donald (71 years old)
$67
per month
Cheap car insurance quotes in Abbeville based on insurance history
Continuity of coverage is highly desirable because it shows predictability. Insurance companies will notice any
lapse in coverage
and charge Abbeville drivers a higher rate for the gap.Even if you have a lapse, you can still get a good rate on coverage. Shop around and compare quotes, no matter your insured status. Here are some sample rates and driver profiles.
Sally (37 years old)
$102
per month
Gavin (48 years old)
$117
per month
Albert (37 years old)
$102
per month
Jay (48 years old)
$117
per month
Beatrice (42 years old)
$142
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I love actually being able to afford insurance every month and not having to worry about it.
Michele
Just signed up and it was easy. No complaints so far!
Jenny
Great!
Beatrice
So far so good, haven't had any issues!
Annasette
Cheap car insurance quotes in Abbeville for drivers with poor credit
Alabama, like most states, allows insurance companies to consider your
credit score
when setting premiums. Credit score is correlated with risk.
Data shows that low credit customers
have a higher tendency to file claims, and they pay higher rates for coverage. If you live in Abbeville and you have a subpar credit score (below 600), you can expect to pay significantly more for coverage. Check out these rates for Abbeville drivers and see how credit score impacts the cost of insurance.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $102 | Susan, 37 Zip: 36310 | Chevrolet Sonic LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Abbeville for popular cars
Some cars have better safety features, lower theft rates, and cheaper repair costs. These vehicles cost less to insure.
Here are some of the most popular car models among Abbeville drivers:
Last Updated Nov 24, 2024How to lower car insurance costs in Abbeville
1. Shop around and compare quotes
You might be overpaying for coverage that you could get cheaper at another company.
Pull free car insurance quotes with
Jerry
to review rates from top providers in Abbeville. You can tweak your coverage or keep it the same, and Jerry will help you find the best prices for your desired policy. Then, just tap to sign up and save for free. 2. Hunt for car insurance discounts
Discounts
are available for most Abbeville drivers. Insurance companies reward low-risk behaviors, like driving safely, but they also reward things like bundling and going paperless.Abbeville drivers may qualify for:
- Good driver discounts: Go without a claim or accident for several years and unlock this discount. You may also be able to complete an approved defensive driving course to get the discount.
- Telematics discounts: Agree to let a company monitor your driving habits and you could earn a discount simply for driving safely. Many even give a discount simply for enrolling.
- Bundling discounts: If you also have a home insurance or renters insurance policy, you can bundle it with your auto policy at the same company and get a discount on both. Insurance agents are generally very happy to help you transition your policy over to their company.
- Good student discounts: If you're a full-time student in high school or college with a B average or better, you likely qualify for a discount from your insurance company. Prepare to show proof of enrollment and proof of grade point average.
Make sure to ask your provider about other discounts, as they’re not always listed clearly on the website.
3. Increase your deductible for comprehensive and collision coverage
Abbeville drivers with full coverage policies may be able to cut costs by increasing their deductible. This won’t affect the level of coverage you have.
Only do this if you can actually afford a higher out-of-pocket payment, though.
FAQ
How much is car insurance in Abbeville?
The average cost of state minimum coverage in Abbeville is $58 per month. Those looking for a full coverage policy can expect an average cost of $133 per month.
Remember that no two insurance coverage quotes are the same. Rates are highly individualized based on your driving profile, ZIP code, credit score, and more.
What is the cheapest car insurance in Abbeville?
The cheapest car insurance available in the city is state minimum coverage, which is approximately $58 every month. Just remember that this level of coverage often isn’t enough to protect you fully in the event of a serious accident, so it’s recommended to upgrade to a full coverage policy.
What is the best car insurance in Abbeville?
Our research shows that Liberty Mutual, Progressive, and Safeco all scored top marks in Abbeville—not only for affordable coverage, but also for customer service.
However, there is no one best car insurance company for every motorist. Each driver is unique, which means their car insurance rates will be just as different. The best way to get coverage that makes sense for you is to compare quotes from multiple companies.
What is the minimum car insurance in Abbeville, Alabama?
In Alabama, every driver must have at least $25,000 per person
bodily injury
, $50,000 per accident bodily injury liability, and $25,000 property damage
liability. This is commonly referred to as 25/50/25 coverage.Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.