Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 36251, AL
We monitor insurance prices, helping the average driver in 36251 save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in 36251
The chart below shows the cheapest car insurance company in 36251 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.
| 36251 Insurer | Monthly Cost |
|---|---|
| Travelers | $68 |
| Gainsco | $71 |
| State Farm | $74 |
| Safe Auto | $75 |
Savings for Every Kind of 36251 Driver
Based on our extensive insurance data, we know the average 36251 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 36251 residents are paying out over $1,530 extra every year for auto insurance in 36251. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
36251, AL Savings / Yr. |
|---|---|
$379 |
|
$515 |
|
$483 |
|
$548 |
|
$1,189 |
|
$66 |
|
$323 |
36251 Car Insurance vs. Alabama
People living in 36251 pay an average of 4.58% less than the typical driver in the state. The average driver in 36251 can expect to pay about $1,010 per year, or $1,530 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in 36251 for most people.
Car Insurance Prices by 36251 Neighborhood
Insurance Prices
Where is insurance cheapest within 36251?
The map shows insurance prices in and around 36251, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $45 per year within the zip boundaries, with insurance premiums ranging from a high of $1,566 to a low of $1,521. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of 36251.Pick the Best Car Insurance Company for You in 36251
The best car insurance provider for most drivers in 36251
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $379 over the average 36251 car insurance company.
The best car insurance provider for 36251 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 $515 over the competition.
The best car insurance company for 36251 drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $483 better than other car insurance companies.
The best auto insurance for 36251 drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $548 less each year.
The least expensive car insurance company for new and young drivers in 36251
In 36251, Travelers costs young drivers $1,189 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 36251
State Farm gave the largest car insurance discounts to married couples, averaging $66 saved each year compared to an average 36251 couple's premiums.
The cheapest car insurance in 36251 for drivers with bad credit
The best 36251 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 36251, which was better than other insurers.
The cheapest large national provider in 36251
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 36251 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 36251, 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 36251
What Influences the Cost of Car Insurance in 36251?
On average, car insurance in 36251 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 36251 is 32 minutes, which is about the national 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 36251 are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- 36251 is one of the most densely populated areas 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 36251 is $84 per month for minimum coverage and $127 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
- 36267: Insurance costs 2.35% more
- 36255: Insurance costs 0.59% less
- 36266: Insurance costs 0.46% more
- 36276: Insurance costs 0.98% more
- 35082: Insurance costs 0.52% less
- 36278: Insurance costs 0.85% less
- 35149: Insurance costs 3.99% more
- 35150: Insurance costs 0.65% more
- 35014: Insurance costs 6.27% more
- 36280: Insurance costs 0.26% more
Zip Codes with Similar Populations
- 63068: Insurance costs 17.39% more
- 39762: Insurance costs 9.61% more
- 41301: Insurance costs 54.51% more
- 42038: Insurance costs 34.44% more
- 42122: Insurance costs 31.57% more
- 44076: Insurance costs 26.86% less
- 45204: Insurance costs 18.56% less
- 45323: Insurance costs 29.41% less
- 49455: Insurance costs 79.61% more
- 55972: Insurance costs 3.07% more