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Cheapest car insurance in Theodore, Alabama (Nov 2024)
Cheapest car insurance in Theodore, Alabama (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Theodore, Alabama.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Theodore
- Best Car Insurance Companies in Theodore
- Best cheap car insurance quotes in Theodore
- Average cost of car insurance in Theodore
- Car insurance quotes in Theodore by rating factors
- How do different factors impact your car insurance costs in Theodore?
- Cheap car insurance quotes in Theodore for drivers with poor credit
- How to lower car insurance costs in Theodore
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Theodore
On average,
auto insurance
in Theodore costs about $88 per month for minimum coverage liability insurance, and about $210 per month for full coverage insurance. In Theodore drivers pay 18% less than the national average. Smart car insurance shoppers in Theodore, 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 Theodore customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
Clearcover | $186 | Lilly, 43 Zip: 36582 | GMC Canyon SLE | • State Minimum Liability • Comp / Collision |
| Assurance America | $173 | Callie, 26 Zip: 36582 | Dodge Dart SXT Sport | • State Minimum Liability • Comp / Collision |
| First Acceptance | $220 | Max, 45 Zip: 36582 | Hyundai Elantra Limited | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best Car Insurance Companies in Theodore
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 Theodore 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 Theodore
Alabama has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Theodore 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 Theodore
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 Theodore car owners that Jerry recently assisted with obtaining minimum liability coverage.
Callie (26 years old)
$173
per month
Bluefire
Nathan (43 years old)
CoverageState Minimum
Theodore, AL (Zip Code: 36582)
GMC Canyon SLE$150
per month
Do you need more than minimum coverage in Theodore?
Most drivers in Theodore 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 Theodore
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 Theodore full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | National General | $179 | Edna, 45 Zip: 36582 | Hyundai Elantra Limited |
• State Minimum Liability • Comp / Collision | Clearcover | $186 | Lilly, 43 Zip: 36582 | GMC Canyon SLE |
• State Minimum Liability • Comp / Collision | Assurance America | $173 | Callie, 26 Zip: 36582 | Dodge Dart SXT Sport |
Last Updated Nov 22, 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 Theodore
By helping lots of drivers in Theodore find car insurance, we found that the average cost for minimum liability coverage is $88 per month or $1,056 per year. The average cost for full coverage insurance in Theodore is $210 per month or $2,520 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 Theodore 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 Theodore?
How do different factors impact your car insurance costs in Theodore?
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 Theodore:
Cheap car insurance quotes in Theodore 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 Theodore 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 Theodore drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Theodore after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Theodore 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 Theodore drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $170 | Calvin, 23 Zip: 36582 | Toyota Tacoma Double Cab | • State Minimum Liability |
Not At Fault | Safeco | $80 | Henry, 27 Zip: 36582 | Toyota Corolla L | • State Minimum Liability |
At Fault With No Injury | Clearcover | $186 | Blanche, 42 Zip: 36582 | GMC Canyon SLE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Theodore 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 Theodore.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $205 | Sallie, 21 Zip: 36582 | Hyundai Elantra SEL | • State Minimum Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheap car insurance quotes in Theodore 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 Theodore for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Theodore. 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.Randy (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Theodore, AL (Zip Code: 36582)
$116
per month
Clearcover
Cody (24 years old)
$98
per month
Cheapest car insurance in Theodore 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.Sean (65 years old)
$94
per month
Ruth (71 years old)
$126
per month
Cheap car insurance quotes in Theodore 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.
Millie (23 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Theodore, AL (Zip Code: 36582)
$116
per month
Gainsco
Isabel (42 years old)
Not Currently Insured
CoverageState Minimum
Theodore, AL (Zip Code: 36582)
GMC Canyon SLE$163
per month
Etta (36 years old)
$267
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 Theodore 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 | Progressive | $116 | Marcus, 23 Zip: 36582 | Chevrolet Camaro LT | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | National General | $80 | Tommy, 49 Zip: 36582 | Chevrolet Trailblazer LS | • State Minimum Liability |
550 - 659 | Progressive | $128 | Polly, 53 Zip: 36582 | Acura ILX Premium | • State Minimum Liability • Comp / Collision |
< 550 | Assurance America | $119 | Jared, 27 Zip: 36582 | Toyota Corolla | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Theodore 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 Theodore include:
Last Updated Nov 22, 2024How to lower car insurance costs in Theodore
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 Theodore?
People living in Theodore pay on average $88 per month – or $1,056 per year – on state-minimum liability coverage. Full coverage in Theodore costs on average $210 per month of $2,520 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Theodore?
Based on thousands of Theodore drivers Jerry has worked with, car insurance in Theodore costs an average of $88 per month for state-minimum coverage and $210 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Theodore?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Clear Cover, Embark General, and
Liberty Mutual
receive good ratings from Theodore drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Theodore, Alabama?
The state-minimum car insurance in Theodore, Alabama is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are 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
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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.