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Get Cheap Car Insurance in Orange Beach, AL

We monitor insurance prices, helping the average driver in Orange Beach save up to 30.9% on car insurance.

 

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The Cheapest Minimum Coverage in Orange Beach

The chart below shows the cheapest car insurance company in Orange Beach 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.

 
Orange Beach Insurer Monthly Cost
Travelers $66
Gainsco $69
State Farm $72
Safe Auto $73

Savings for Every Kind of Orange Beach Driver

The table shows how much the average auto insurance customer in Orange Beach might save by following our recommendations.

Based on our extensive insurance data, we know the average Orange Beach 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 $369 per year by choosing the right vehicle insurance company. Some Orange Beach residents are paying out over $1,489 extra every year for auto insurance in Orange Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Orange Beach, AL Savings / Yr.
Drivers with good records
$369
Drivers with accidents
$502
Drivers with speeding tickets
$470
Drivers with a DUI conviction
$533
Young drivers
$1,157
Married drivers
$64
Drivers with bad credit
$315

Orange Beach Car Insurance vs. Alabama

People living in Orange Beach pay an average of 7.12% less than the typical driver in the state. The average driver in Orange Beach can expect to pay about $983 per year, or $1,489 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Orange Beach for most people.

Car Insurance Prices by Orange Beach Neighborhood

Orange Beach, AL map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Orange Beach?

The map shows insurance prices in and around Orange Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $120 per year within the city boundaries, with insurance premiums ranging from a high of $1,564 to a low of $1,444. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Orange Beach.

Pick the Best Car Insurance Company for You in Orange Beach

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Orange Beach insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Orange Beach

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $369 over the average Orange Beach car insurance company.

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We use the average good driver, paying $93 per month, as our baseline for pricing in Orange Beach. Travelers, Safe Auto, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Orange Beach drivers with accidents on their records

In Orange Beach getting into an accident will raise premiums an average 36% for a yearly cost of $2,330. That's $842 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Safe Auto are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $502 over the competition.

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The best car insurance company for Orange Beach drivers with speeding tickets

>Safe Auto gave the average person with a speeding ticket the most savings, averaging $470 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Orange Beach, tickets raise premiums on new quotes about $666. If you have a speeding ticket, we recommend State Farm, Travelers, and Safe Auto for savings that beat the average insurance cost of $2,155 per year.

The best auto insurance for Orange Beach drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,528 per year in auto insurance premiums, which was $1,039 more than a driver with no major issues. Allstate, Travelers, and Dairyland penalized their customers the least for a DUI.

Getting a quote from Allstate may cost the average person with a DUI about $533 less each year.

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The least expensive car insurance company for new and young drivers in Orange Beach

In Orange Beach, Travelers costs young drivers $1,157 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Orange Beach. With an average cost of $5,076 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Orange Beach

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $143. State Farm, Progressive, and Allstate provided the largest discounts to couples living in Orange Beach.

State Farm gave the largest car insurance discounts to married couples, averaging $64 saved each year compared to an average Orange Beach couple's premiums.

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The cheapest car insurance in Orange Beach for drivers with bad credit

People with poor credit saved an average of $315 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $802 every year. Premiums for people with poor credit were about $2,291 in Orange Beach. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Allstate, Travelers, and Gainsco.

The best Orange Beach car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Orange Beach, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Orange Beach.

Nationwide was the best company for customer service in Orange Beach according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Orange Beach, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Orange Beach. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Orange Beach

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Orange Beach residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Orange Beach driver can expect to pay about $101 per month.

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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 Orange Beach, 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.
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Auto Insurance Prices in and Around Orange Beach

What Influences the Cost of Car Insurance in Orange Beach?

On average, car insurance in Orange Beach 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 Orange Beach is 31 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 Orange Beach are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Orange Beach is a lightly populated area 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 Orange Beach is $82 per month for minimum coverage and $124 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

Cities with Similar Populations

  • Munford: Insurance costs 2.55% less
  • Middletown: Insurance costs 37.74% more
  • Midland: Insurance costs 17.19% less
  • Milton: Insurance costs 20.48% less
  • Milton: Insurance costs 26.66% less
  • Mims: Insurance costs 66.22% more
  • Minerva: Insurance costs 26.19% less
  • Minnehaha: Insurance costs 1.81% more
  • Minnetrista: Insurance costs 9.00% more
  • Moab: Insurance costs 9.00% less
* Who is the average Orange Beach driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Orange Beach with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.