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Cheapest car insurance in Fayette, Alabama (Nov 2024)
Cheapest car insurance in Fayette, Alabama (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fayette, 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 Fayette
- Best car insurance companies in Fayette
- Best cheap car insurance quotes in Fayette
- Average cost of car insurance in Fayette
- Car insurance quotes in Fayette by rating factors
- How do different factors impact your car insurance costs in Fayette?
- Cheap car insurance quotes in Fayette for drivers with poor credit
- How to lower car insurance costs in Fayette
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Fayette
On average,
auto insurance
in Fayette costs about $67 per month for minimum coverage liability insurance, and about $162 per month for full coverage insurance. In Fayette drivers pay -- than the national average. Smart car insurance shoppers in Fayette, Alabama come to Jerry every month, because Jerry makes it easy for customers to
compare and buy car insurance quotes
. Below are some cheapest car insurance quotes Jerry found for our Fayette customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $233 | Emma, 21 Zip: 35555 | Jeep Grand Cherokee Limited | • State Minimum Liability • Comp / Collision |
| Bristol West | $107 | Chase, 26 Zip: 35555 | Volkswagen Passat SE | • State Minimum Liability |
| Assurance America | $136 | Wesley, 30 Zip: 35555 | KIA Forte FE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 25, 2024Best car insurance companies in Fayette
There’s no “one-size-fits-all” policy when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing car insurance quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.
Besides price, you also need to consider factors such as claims handling and customer service.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
The results: While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Fayette rate different companies 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 Fayette
Alabama has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Fayette and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Fayette
In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.
Your insurance provider must insure you for at least $25,000 of
bodily injury liability
per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability
coverage per accident. No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.
Here are some examples of Fayette car owners that Jerry recently assisted with obtaining minimum liability coverage.
Ricky (26 years old)
$106
per month
Wesley (30 years old)
$136
per month
Do you need more than minimum coverage in Fayette?
Most drivers in Fayette need higher liability coverage than the 25/50/25 state minimum mandated by
Alabama car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over these minimum limits—especially if there are serious injuries. Additionally, if someone else’s car is totaled and you’re liable, the cost to replace it could quite possibly be more than $40,000—which is well beyond that $25,000 minimum.
For better financial protection: Consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Fayette
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car.Full coverage includes comprehensive and collision coverage:
- Comprehensive coveragepays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
Keep in mind: If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Take a look at these recent examples of cheapest Fayette full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $233 | Emma, 21 Zip: 35555 | Jeep Grand Cherokee Limited |
• State Minimum Liability • Comp / Collision | National General | $139 | Gordon, 33 Zip: 35555 | KIA RIO LX |
• State Minimum Liability • Comp / Collision | Clearcover | $110 | Clayton, 26 Zip: 35555 | Volkswagen Passat SE |
• State Minimum Liability • Comp / Collision | Assurance America | $136 | Wesley, 30 Zip: 35555 | KIA Forte FE |
Last Updated Nov 20, 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 Fayette
By helping lots of drivers in Fayette find car insurance, we found that the average cost for minimum liability coverage is $67 per month or $808 per year. The average cost for full coverage insurance in Fayette is $162 per month or $1,941 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.
Car insurance quotes in Fayette by rating factors
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
How do different factors impact your car insurance costs in Fayette?
How do different factors impact your car insurance costs in Fayette?
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 Fayette:
Cheap car insurance quotes in Fayette after driving violations
Your
Alabama driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Fayette after speeding ticket
In Fayette, a speeding ticket could increase your car insurance. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
Last Updated Nov 20, 2024Cheapest car insurance in Fayette after DUI
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Fayette drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Fayette after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Fayette drivers, car accidents could result in an average rate increase of.
Alabama is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Fayette drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $106 | Effie, 25 Zip: 35555 | Volkswagen Passat SE | • State Minimum Liability • Comp / Collision |
Not At Fault | Assurance America | $136 | Johnny, 30 Zip: 35555 | KIA Forte FE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Clearcover | $110 | Hannah, 25 Zip: 35555 | Volkswagen Passat SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheapest car insurance in Fayette after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Fayette.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
Last Updated Nov 24, 2024Cheap car insurance quotes in Fayette by age
Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Fayette for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Fayette. For teen car owners who drive newer cars, full coverage would afford better financial protection, as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.Emma (21 years old)
$233
per month
Cheapest car insurance in Fayette for senior drivers
Car insurance rates start to rise once you get into your mid-70s.
Car insurance rates for seniors
tend to be higher due to several reasons. Older drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Fayette based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Anthony (20 years old)
$233
per month
Clearcover
Emily (25 years old)
$110
per month
Danny (32 years old)
$139
per month
Clearcover
Hannah (25 years old)
$110
per month
Susan (32 years old)
$139
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 Fayette for drivers with poor credit
A high credit score tells car insurance companies you have a history of paying your bills. And because insurance providers are allergic to risk, they’re usually happy to throw lower rates your way.
However, you’re not out of luck with a low credit score. To help you deal with the higher rates that drivers with poor credit typically find, Jerry partners with numerous companies who work with Alabama drivers with a credit score of 550 or less.
Take a look at the table below to see how drivers with low credit saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Assurance America | $136 | Mattie, 30 Zip: 35555 | KIA Forte FE | • State Minimum Liability • Comp / Collision |
660 - 750 | Assurance America | $136 | Johnny, 30 Zip: 35555 | KIA Forte FE | • State Minimum Liability • Comp / Collision |
550 - 659 | Progressive | $233 | Isabel, 20 Zip: 35555 | Jeep Grand Cherokee Limited | • State Minimum Liability • Comp / Collision |
Last Updated Nov 24, 2024Cheap car insurance quotes in Fayette for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Fayette include:
Last Updated Nov 23, 2024How to lower car insurance costs in Fayette
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Alabama per month?
Full coverage in Alabama costs approximately $149 per month. Minimum liability coverage is about $64 per month for the average driver.
Why is car insurance so high in Alabama?
With an increasing number of fatal traffic accidents, Alabama drivers face higher risk on the road than ever before. This also translates to higher risk for insurance companies, so customers are asked to pay more as a result.
Inflation means higher cost of living and higher cost of car repairs, too, which is another rate increase in Alabama.
Who has the best car insurance rates in Alabama?
Nationwide and Safeway Insurance Group earn the best ratings for policy cost satisfaction among Alabama drivers in a recent Jerry survey. Of course, the best rates for you might be with a different company, depending on your driver profile. For instance, members of the military may enjoy lower rates with USAA.
How much is full coverage car insurance in Alabama?
The average driver will pay about $149 per month for full coverage car insurance in Alabama. This adds up to $1,787 per year.
What is state minimum car insurance in Alabama?
25/50/25 is the minimum required level of liability coverage for all Alabama drivers. This means $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. You can exceed these levels, but it’s illegal to drive with less coverage—and insurance companies won’t sell you a policy with less.
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.