Cheap Quotes for Ardmore, AL Car Insurance (2021)

Ardmore, Alabama car insurance rates average $295 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Ardmore, AL companies, you can find cheap Ardmore car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Ardmore is USAA
  • Ardmore has an average commute time of 29.4 minutes
  • Average car insurance rates in Ardmore, AL after a DUI are $4,046/year

How do the Ardmore, Alabama monthly average car insurance rates of $295/month compare to nearby cities like Mobile car insurance rates, Birmingham car insurance rates, and Auburn car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Ardmore, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Ardmore, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Ardmore, Alabama companies to find the most affordable Ardmore car insurance rates.

Enter your ZIP code above to find cheap Ardmore, AL car insurance quotes today.

What are the minimum Ardmore, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Ardmore, AL drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Ardmore, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Ardmore, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Ardmore, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Ardmore car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ardmore, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,113 $2,009 $1,915 $1,951 $7,506 $8,076 $2,357 $2,408
Farmers $2,230 $2,211 $1,992 $2,118 $8,712 $8,959 $2,538 $2,635
GEICO $1,937 $1,926 $1,862 $1,928 $5,088 $4,973 $2,039 $1,880
Liberty Mutual $3,026 $3,266 $2,478 $2,771 $11,290 $12,551 $3,219 $3,424
Nationwide $1,720 $1,740 $1,570 $1,622 $4,565 $5,863 $1,910 $2,131
Progressive $2,400 $2,242 $1,969 $2,110 $9,973 $11,112 $2,803 $2,972
State Farm $2,586 $2,586 $2,344 $2,344 $7,868 $9,846 $2,923 $3,372
Travelers $1,248 $1,266 $1,178 $1,175 $6,763 $10,668 $1,186 $1,338
USAA $1,276 $1,291 $1,191 $1,161 $3,835 $4,245 $1,660 $1,786

How much do teen drivers pay for car insurance in Ardmore, AL?

Ardmore, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Ardmore car insurance rates from multiple Ardmore, Alabama car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Ardmore, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,506 $8,076
Farmers $8,712 $8,959
GEICO $5,088 $4,973
Liberty Mutual $11,290 $12,551
Nationwide $4,565 $5,863
Progressive $9,973 $11,112
State Farm $7,868 $9,846
Travelers $6,763 $10,668
USAA $3,835 $4,245

How much do senior drivers pay for car insurance in Ardmore, AL?

With a little research, seniors can find affordable car insurance in Ardmore, Alabama. Here’s a look at how the top Ardmore car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Ardmore, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,915 $1,951
Farmers $1,992 $2,118
GEICO $1,862 $1,928
Liberty Mutual $2,478 $2,771
Nationwide $1,570 $1,622
Progressive $1,969 $2,110
State Farm $2,344 $2,344
Travelers $1,178 $1,175
USAA $1,191 $1,161

How does coverage level affect Ardmore, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Ardmore, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Ardmore, Alabama

Insurance Company Low Medium High
Allstate $3,421 $3,536 $3,669
Farmers $3,703 $3,873 $4,197
GEICO $2,473 $2,691 $2,949
Liberty Mutual $5,010 $5,228 $5,521
Nationwide $2,626 $2,617 $2,677
Progressive $3,976 $4,422 $4,945
State Farm $3,999 $4,228 $4,474
Travelers $2,934 $3,164 $3,210
USAA $1,984 $2,045 $2,138

How does your driving record affect Ardmore, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Ardmore, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Ardmore, Alabama companies.

Annual Ardmore, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,999 $3,544 $4,224 $3,400
Farmers $3,298 $4,274 $4,169 $3,956
GEICO $1,821 $2,933 $3,640 $2,423
Liberty Mutual $4,117 $5,744 $5,603 $5,550
Nationwide $2,313 $2,313 $3,356 $2,579
Progressive $4,013 $5,057 $4,319 $4,401
State Farm $3,818 $4,741 $4,188 $4,188
Travelers $2,589 $2,714 $3,970 $3,139
USAA $1,581 $1,988 $2,944 $1,710

How does a DUI affect Ardmore, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Ardmore, AL car insurance rates.

Annual Car Insurance Rates After a DUI in Ardmore, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,224
Farmers $4,169
GEICO $3,640
Liberty Mutual $5,603
Nationwide $3,356
Progressive $4,319
State Farm $4,188
Travelers $3,970
USAA $2,944

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How does your credit history affect Ardmore, AL car insurance rates?

Take a look at the data here to see how your Ardmore, Alabama car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Ardmore, Alabama

Insurance Company Poor Fair Good
Allstate $4,367 $3,443 $2,816
Farmers $4,397 $3,788 $3,589
GEICO $3,439 $2,454 $2,220
Liberty Mutual $7,514 $4,621 $3,625
Nationwide $3,185 $2,486 $2,250
Progressive $5,011 $4,307 $4,026
State Farm $6,862 $3,476 $2,363
Travelers $3,379 $2,936 $2,993
USAA $2,763 $1,799 $1,606

How does your commute affect Ardmore, AL car insurance rates?

Ardmore, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Ardmore if you’re financing.

Annual Car Insurance Rates by Commute Length in Ardmore, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,542 $3,542
Farmers $3,924 $3,924
GEICO $2,657 $2,751
Liberty Mutual $5,253 $5,253
Nationwide $2,640 $2,640
Progressive $4,448 $4,448
State Farm $4,131 $4,336
Travelers $3,103 $3,103
USAA $1,962 $2,150

Who has the cheapest Ardmore, AL car insurance rates?

Here’s a breakdown of Ardmore, Alabama car insurance rates by company. You can see which company offers the cheapest Ardmore car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Ardmore, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Ardmore, AL car insurance companies?

Which Ardmore, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Ardmore companies to find the one for you.

Average Annual Car Insurance Rates by Company in Ardmore, Alabama

Insurance Company Average Annual Rates
Allstate $3,542
Farmers $3,924
GEICO $2,704
Liberty Mutual $5,253
Nationwide $2,640
Progressive $4,448
State Farm $4,234
Travelers $3,103
USAA $2,056

What factors affect Ardmore, AL car insurance rates?

Why are Ardmore, Alabama car insurance rates different than rates in Mobile or Birmingham? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Ardmore, AL?

FBI statistics show that the Ardmore, Alabama car theft rate is 2 thefts each year. High theft rates can lead to higher than average Ardmore, AL car insurance rates.

How long is the average commute in Ardmore, AL?

More time spent behind the wheel can lead to higher Ardmore, Alabama car insurance rates. In Ardmore, AL, the average commute length is 29.4 minutes.

Car Insurance Quotes for Ardmore, AL

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