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Get Cheap Car Insurance in Gulf Shores, AL
We monitor insurance prices, helping the average driver in Gulf Shores save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Gulf Shores
The chart below shows the cheapest car insurance company in Gulf Shores 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.
| Gulf Shores Insurer | Monthly Cost |
|---|---|
| Travelers | $68 |
| Gainsco | $71 |
| State Farm | $74 |
| Safe Auto | $75 |
Savings for Every Kind of Gulf Shores Driver
Based on our extensive insurance data, we know the average Gulf Shores 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 $377 per year by choosing the right vehicle insurance company. Some Gulf Shores residents are paying out over $1,522 extra every year for auto insurance in Gulf Shores. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gulf Shores, AL Savings / Yr. |
|---|---|
$377 |
|
$513 |
|
$480 |
|
$545 |
|
$1,183 |
|
$66 |
|
$322 |
Gulf Shores Car Insurance vs. Alabama
People living in Gulf Shores pay an average of 5.06% less than the typical driver in the state. The average driver in Gulf Shores can expect to pay about $1,004 per year, or $1,522 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Gulf Shores for most people.
Car Insurance Prices by Gulf Shores Neighborhood
Insurance Prices
Where is insurance cheapest within Gulf Shores?
The map shows insurance prices in and around Gulf Shores, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $124 per year within the city boundaries, with insurance premiums ranging from a high of $1,584 to a low of $1,460. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Gulf Shores.Pick the Best Car Insurance Company for You in Gulf Shores
The best car insurance provider for most drivers in Gulf Shores
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $377 over the average Gulf Shores car insurance company.
The best car insurance provider for Gulf Shores 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 $513 over the competition.
The best car insurance company for Gulf Shores drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $480 better than other car insurance companies.
The best auto insurance for Gulf Shores drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $545 less each year.
The least expensive car insurance company for new and young drivers in Gulf Shores
In Gulf Shores, Travelers costs young drivers $1,183 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gulf Shores
State Farm gave the largest car insurance discounts to married couples, averaging $66 saved each year compared to an average Gulf Shores couple's premiums.
The cheapest car insurance in Gulf Shores for drivers with bad credit
The best Gulf Shores car insurance company for customer service
Nationwide was the best company for customer service in Gulf Shores according to the NAIC.
Recent price drops
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The cheapest large national provider in Gulf Shores
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Gulf Shores 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 Gulf Shores, 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 Gulf Shores
What Influences the Cost of Car Insurance in Gulf Shores?
On average, car insurance in Gulf Shores 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 city are influenced by the following factors:
- The average commute time in Gulf Shores is 28 minutes, which is far 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 Gulf Shores are lower 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.
- Gulf Shores has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Gulf Shores 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 Cities
- Bon Secour: Insurance costs 0.46% less
- Foley: Insurance costs 0.46% less
- Miflin: Insurance costs 1.58% less
- Orange Beach: Insurance costs 2.17% less
- Josephine: Insurance costs 0.46% more
- Palmetto Beach: Insurance costs 4.07% more
- Perdido Beach: Insurance costs 0.13% less
- Lillian: Insurance costs 3.48% less
- Perdido Key: Insurance costs 61.24% more
- Ocean Springs: Insurance costs 58.74% more
Cities with Similar Populations
- Bolivar: Insurance costs 16.36% more
- Wilmington Island: Insurance costs 11.63% more
- Willowick: Insurance costs 27.20% less
- Williamsburg: Insurance costs 42.44% more
- Benton: Insurance costs 34.23% more
- Wilkinsburg: Insurance costs 6.04% more
- Bexley: Insurance costs 21.75% less
- Whitmore Lake: Insurance costs 86.60% more
- Bloomfield: Insurance costs 6.37% less
- Blountville: Insurance costs 14.13% less