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Get Cheap Car Insurance in 35640, AL
We monitor insurance prices, helping the average driver in 35640 save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in 35640
The chart below shows the cheapest car insurance company in 35640 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| 35640 Insurer | Monthly Cost |
|---|---|
| Travelers | $68 |
| Gainsco | $71 |
| State Farm | $74 |
| Safe Auto | $75 |
Savings for Every Kind of 35640 Driver
Based on our extensive insurance data, we know the average 35640 driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $379 per year by choosing the right vehicle insurance company. Some 35640 residents are paying out over $1,532 extra every year for auto insurance in 35640. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
35640, AL Savings / Yr. |
|---|---|
$379 |
|
$516 |
|
$484 |
|
$549 |
|
$1,191 |
|
$66 |
|
$324 |
35640 Car Insurance vs. Alabama
People living in 35640 pay an average of 4.44% less than the typical driver in the state. The average driver in 35640 can expect to pay about $1,011 per year, or $1,532 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in 35640 for most people.
Car Insurance Prices by 35640 Neighborhood
Insurance Prices
Where is insurance cheapest within 35640?
The map shows insurance prices in and around 35640, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $178 per year within the zip boundaries, with insurance premiums ranging from a high of $1,652 to a low of $1,474. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of 35640.Pick the Best Car Insurance Company for You in 35640
The best car insurance provider for most drivers in 35640
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $379 over the average 35640 car insurance company.
The best car insurance provider for 35640 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $516 over the competition.
The best car insurance company for 35640 drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $484 better than other car insurance companies.
The best auto insurance for 35640 drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $549 less each year.
The least expensive car insurance company for new and young drivers in 35640
In 35640, Travelers costs young drivers $1,191 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 35640
State Farm gave the largest car insurance discounts to married couples, averaging $66 saved each year compared to an average 35640 couple's premiums.
The cheapest car insurance in 35640 for drivers with bad credit
The best 35640 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 35640
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 35640 driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 35640, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around 35640
What Influences the Cost of Car Insurance in 35640?
On average, car insurance in 35640 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 35640 is 29 minutes, which is a little less than average for a driver in the state.
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 35640 are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- 35640 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 35640 is $84 per month for minimum coverage and $128 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 35603: Insurance costs 0.20% more
- 35622: Insurance costs 0.65% less
- 35619: Insurance costs 0.46% more
- 35601: Insurance costs 3.72% more
- 35670: Insurance costs 1.17% more
- 35621: Insurance costs 1.44% more
- 35673: Insurance costs 2.02% more
- 35775: Insurance costs 1.57% more
- 35650: Insurance costs 2.94% more
- 35754: Insurance costs 3.00% more
Zip Codes with Similar Populations
- 78599: Insurance costs 22.72% more
- 34476: Insurance costs 60.44% more
- 37716: Insurance costs 11.55% less
- 42718: Insurance costs 36.29% more
- 44136: Insurance costs 26.63% less
- 75033: Insurance costs 20.17% more
- 76048: Insurance costs 9.46% more
- 76114: Insurance costs 22.72% more
- 77545: Insurance costs 35.51% more
- 77598: Insurance costs 18.02% more