Cheap Quotes for Cowarts, AL Car Insurance (2021)

Cowarts, Alabama car insurance rates average $282 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Cowarts, AL companies, you can find cheap Cowarts 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

  • Average car insurance rates in Cowarts, AL after a DUI are $3,847/year
  • The cheapest car insurance company in Cowarts is USAA
  • Cowarts has an average commute time of 24.0 minutes

How do the Cowarts, Alabama monthly average car insurance rates of $282/month compare to nearby cities like Madison car insurance rates, Hoover 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 Cowarts, AL.

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

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

What are the minimum Cowarts, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Cowarts, 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 Cowarts, AL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cowarts, 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 $1,886 $1,801 $1,705 $1,739 $6,513 $7,013 $2,116 $2,164
Farmers $2,185 $2,168 $1,952 $2,075 $8,470 $8,714 $2,479 $2,573
GEICO $1,880 $1,862 $1,796 $1,856 $4,889 $4,766 $1,984 $1,829
Liberty Mutual $2,859 $3,087 $2,346 $2,624 $10,527 $11,705 $3,039 $3,230
Nationwide $1,616 $1,634 $1,477 $1,526 $4,196 $5,394 $1,790 $1,996
Progressive $2,159 $2,009 $1,770 $1,903 $9,086 $10,120 $2,511 $2,659
State Farm $2,741 $2,741 $2,492 $2,492 $8,448 $10,574 $3,100 $3,575
Travelers $1,264 $1,284 $1,186 $1,183 $6,620 $10,369 $1,204 $1,377
USAA $1,184 $1,201 $1,110 $1,089 $3,505 $3,882 $1,536 $1,657

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

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

Annual Car Insurance Rates for Teen Drivers in Cowarts, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,513 $7,013
Farmers $8,470 $8,714
GEICO $4,889 $4,766
Liberty Mutual $10,527 $11,705
Nationwide $4,196 $5,394
Progressive $9,086 $10,120
State Farm $8,448 $10,574
Travelers $6,620 $10,369
USAA $3,505 $3,882

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

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

Annual Car Insurance Rates for Senior Drivers in Cowarts, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,705 $1,739
Farmers $1,952 $2,075
GEICO $1,796 $1,856
Liberty Mutual $2,346 $2,624
Nationwide $1,477 $1,526
Progressive $1,770 $1,903
State Farm $2,492 $2,492
Travelers $1,186 $1,183
USAA $1,110 $1,089

How does coverage level affect Cowarts, 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 Cowarts, AL car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Cowarts, Alabama

Insurance Company Low Medium High
Allstate $3,014 $3,113 $3,225
Farmers $3,610 $3,777 $4,095
GEICO $2,385 $2,595 $2,843
Liberty Mutual $4,696 $4,903 $5,182
Nationwide $2,416 $2,437 $2,508
Progressive $3,553 $4,003 $4,525
State Farm $4,258 $4,515 $4,787
Travelers $2,914 $3,121 $3,147
USAA $1,820 $1,884 $1,982

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

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

Annual Cowarts, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,657 $3,127 $3,690 $2,995
Farmers $3,220 $4,168 $4,065 $3,855
GEICO $1,764 $2,830 $3,486 $2,351
Liberty Mutual $3,866 $5,382 $5,257 $5,204
Nationwide $2,152 $2,152 $3,114 $2,397
Progressive $3,625 $4,582 $3,924 $3,976
State Farm $4,069 $5,071 $4,470 $4,470
Travelers $2,554 $2,680 $3,906 $3,104
USAA $1,461 $1,833 $2,708 $1,580

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

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

Annual Car Insurance Rates After a DUI in Cowarts, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,690
Farmers $4,065
GEICO $3,486
Liberty Mutual $5,257
Nationwide $3,114
Progressive $3,924
State Farm $4,470
Travelers $3,906
USAA $2,708

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

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

Annual Car Insurance Rates by Credit Score in Cowarts, Alabama

Insurance Company Poor Fair Good
Allstate $3,853 $3,025 $2,473
Farmers $4,288 $3,693 $3,500
GEICO $3,315 $2,366 $2,142
Liberty Mutual $7,043 $4,334 $3,404
Nationwide $2,952 $2,313 $2,096
Progressive $4,528 $3,902 $3,651
State Farm $7,330 $3,710 $2,520
Travelers $3,338 $2,895 $2,949
USAA $2,536 $1,663 $1,487

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

Cowarts, 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 Cowarts if you’re financing.

Annual Car Insurance Rates by Commute Length in Cowarts, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,117 $3,117
Farmers $3,827 $3,827
GEICO $2,560 $2,656
Liberty Mutual $4,927 $4,927
Nationwide $2,454 $2,454
Progressive $4,027 $4,027
State Farm $4,410 $4,631
Travelers $3,061 $3,061
USAA $1,809 $1,982

Who has the cheapest Cowarts, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Cowarts, 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 Cowarts, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Cowarts, Alabama

Insurance Company Average Annual Rates
Allstate $3,117
Farmers $3,827
GEICO $2,608
Liberty Mutual $4,927
Nationwide $2,454
Progressive $4,027
State Farm $4,520
Travelers $3,061
USAA $1,896

What factors affect Cowarts, AL car insurance rates?

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

How long is the average commute in Cowarts, AL?

More time spent behind the wheel can lead to higher Cowarts, Alabama car insurance rates. In Cowarts, AL, the average commute length is 24.0 minutes.

Car Insurance Quotes for Cowarts, AL

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