Cheap Quotes for Ohatchee, AL Car Insurance (2021)

Ohatchee, Alabama car insurance rates average $301 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Ohatchee, AL companies, you can find cheap Ohatchee 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

  • Ohatchee has an average commute time of 29.0 minutes
  • The cheapest car insurance company in Ohatchee is USAA
  • Average car insurance rates in Ohatchee, AL after a DUI are $4,117/year

How do the Ohatchee, Alabama monthly average car insurance rates of $301/month compare to nearby cities like Madison car insurance rates, Tuscaloosa car insurance rates, and Dothan car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Ohatchee, AL.

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

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

What are the minimum Ohatchee, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ohatchee, 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 $2,042 $1,946 $1,847 $1,882 $7,115 $7,633 $2,288 $2,340
Farmers $2,301 $2,285 $2,056 $2,185 $8,886 $9,143 $2,610 $2,709
GEICO $2,012 $2,002 $1,917 $1,984 $5,308 $5,206 $2,125 $1,972
Liberty Mutual $2,989 $3,230 $2,456 $2,748 $10,907 $12,130 $3,177 $3,379
Nationwide $1,806 $1,827 $1,647 $1,702 $4,867 $6,248 $2,009 $2,243
Progressive $2,321 $2,173 $1,903 $2,032 $9,740 $10,879 $2,723 $2,918
State Farm $2,764 $2,764 $2,511 $2,511 $8,518 $10,655 $3,126 $3,611
Travelers $1,396 $1,419 $1,306 $1,304 $7,377 $11,585 $1,328 $1,526
USAA $1,257 $1,277 $1,173 $1,150 $3,733 $4,139 $1,637 $1,766

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

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

Annual Car Insurance Rates for Teen Drivers in Ohatchee, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,115 $7,633
Farmers $8,886 $9,143
GEICO $5,308 $5,206
Liberty Mutual $10,907 $12,130
Nationwide $4,867 $6,248
Progressive $9,740 $10,879
State Farm $8,518 $10,655
Travelers $7,377 $11,585
USAA $3,733 $4,139

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

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

Annual Car Insurance Rates for Senior Drivers in Ohatchee, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,847 $1,882
Farmers $2,056 $2,185
GEICO $1,917 $1,984
Liberty Mutual $2,456 $2,748
Nationwide $1,647 $1,702
Progressive $1,903 $2,032
State Farm $2,511 $2,511
Travelers $1,306 $1,304
USAA $1,173 $1,150

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

Annual Car Insurance Rates by Coverage Level in Ohatchee, Alabama

Insurance Company Low Medium High
Allstate $3,266 $3,381 $3,513
Farmers $3,792 $3,968 $4,305
GEICO $2,590 $2,803 $3,054
Liberty Mutual $4,877 $5,101 $5,403
Nationwide $2,787 $2,768 $2,825
Progressive $3,901 $4,315 $4,792
State Farm $4,301 $4,552 $4,819
Travelers $3,248 $3,472 $3,495
USAA $1,945 $2,006 $2,099

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

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

Annual Ohatchee, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,877 $3,393 $4,025 $3,252
Farmers $3,385 $4,379 $4,272 $4,052
GEICO $1,897 $3,056 $3,781 $2,528
Liberty Mutual $4,022 $5,598 $5,473 $5,416
Nationwide $2,445 $2,445 $3,555 $2,728
Progressive $3,915 $4,936 $4,202 $4,292
State Farm $4,103 $5,113 $4,507 $4,507
Travelers $2,841 $2,981 $4,348 $3,452
USAA $1,552 $1,947 $2,889 $1,678

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

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

Annual Car Insurance Rates After a DUI in Ohatchee, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,025
Farmers $4,272
GEICO $3,781
Liberty Mutual $5,473
Nationwide $3,555
Progressive $4,202
State Farm $4,507
Travelers $4,348
USAA $2,889

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

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

Annual Car Insurance Rates by Credit Score in Ohatchee, Alabama

Insurance Company Poor Fair Good
Allstate $4,182 $3,288 $2,690
Farmers $4,508 $3,880 $3,677
GEICO $3,582 $2,555 $2,311
Liberty Mutual $7,340 $4,505 $3,537
Nationwide $3,374 $2,630 $2,377
Progressive $4,882 $4,199 $3,927
State Farm $7,391 $3,740 $2,540
Travelers $3,713 $3,221 $3,281
USAA $2,711 $1,764 $1,575

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

Ohatchee, 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 Ohatchee if you’re financing.

Annual Car Insurance Rates by Commute Length in Ohatchee, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,387 $3,387
Farmers $4,022 $4,022
GEICO $2,765 $2,866
Liberty Mutual $5,127 $5,127
Nationwide $2,794 $2,794
Progressive $4,336 $4,336
State Farm $4,447 $4,668
Travelers $3,405 $3,405
USAA $1,924 $2,108

Who has the cheapest Ohatchee, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Ohatchee, Alabama

Insurance Company Average Annual Rates
Allstate $3,387
Farmers $4,022
GEICO $2,816
Liberty Mutual $5,127
Nationwide $2,794
Progressive $4,336
State Farm $4,557
Travelers $3,405
USAA $2,016

What factors affect Ohatchee, AL car insurance rates?

Why are Ohatchee, Alabama car insurance rates different than rates in Madison or Tuscaloosa? 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 Ohatchee, AL?

More time spent behind the wheel can lead to higher Ohatchee, Alabama car insurance rates. In Ohatchee, AL, the average commute length is 29.0 minutes.

Car Insurance Quotes for Ohatchee, AL

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