Cheap Quotes for Owens Cross Roads, AL Car Insurance (2021)

Owens Cross Roads, Alabama car insurance rates average $300 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Owens Cross Roads, AL companies, you can find cheap Owens Cross Roads car insurance quotes to fit your needs and budget.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Average car insurance rates in Owens Cross Roads, AL for senior drivers are $1,908/year
  • Average car insurance rates in Owens Cross Roads, AL after a DUI are $4,077/year
  • Average car insurance rates in Owens Cross Roads, AL are $300/month

How do the Owens Cross Roads, Alabama monthly average car insurance rates of $300/month compare to nearby cities like Dothan car insurance rates, Huntsville car insurance rates, and Hoover car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Owens Cross Roads, AL.

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

Enter your ZIP code above to find cheap Owens Cross Roads, AL car insurance quotes today.

What are the minimum Owens Cross Roads, AL car insurance requirements?

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

Minimum Required Car Insurance Coverage in Owens Cross Roads, 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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How do age, gender, and marital status affect Owens Cross Roads, AL car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Owens Cross Roads, 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 $1,989 $1,899 $1,803 $1,838 $6,896 $7,427 $2,223 $2,270
Farmers $2,280 $2,258 $2,035 $2,164 $8,912 $9,163 $2,592 $2,688
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $2,741 $2,957 $2,257 $2,522 $10,105 $11,226 $2,904 $3,076
Nationwide $1,720 $1,740 $1,570 $1,622 $4,565 $5,863 $1,910 $2,131
Progressive $2,564 $2,391 $2,112 $2,255 $10,781 $12,010 $2,998 $3,181
State Farm $3,266 $3,266 $2,983 $2,983 $10,330 $12,891 $3,701 $4,293
Travelers $1,121 $1,136 $1,058 $1,056 $5,974 $9,398 $1,069 $1,203
USAA $1,303 $1,315 $1,218 $1,187 $3,927 $4,342 $1,691 $1,820

How much do teen drivers pay for car insurance in Owens Cross Roads, AL?

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

Annual Car Insurance Rates for Teen Drivers in Owens Cross Roads, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,896 $7,427
Farmers $8,912 $9,163
GEICO $4,963 $4,863
Liberty Mutual $10,105 $11,226
Nationwide $4,565 $5,863
Progressive $10,781 $12,010
State Farm $10,330 $12,891
Travelers $5,974 $9,398
USAA $3,927 $4,342

How much do senior drivers pay for car insurance in Owens Cross Roads, AL?

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

Annual Car Insurance Rates for Senior Drivers in Owens Cross Roads, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,803 $1,838
Farmers $2,035 $2,164
GEICO $1,810 $1,872
Liberty Mutual $2,257 $2,522
Nationwide $1,570 $1,622
Progressive $2,112 $2,255
State Farm $2,983 $2,983
Travelers $1,058 $1,056
USAA $1,218 $1,187

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

Annual Car Insurance Rates by Coverage Level in Owens Cross Roads, Alabama

Insurance Company Low Medium High
Allstate $3,172 $3,287 $3,420
Farmers $3,788 $3,961 $4,285
GEICO $2,419 $2,624 $2,868
Liberty Mutual $4,500 $4,701 $4,970
Nationwide $2,626 $2,617 $2,677
Progressive $4,271 $4,763 $5,325
State Farm $5,150 $5,458 $5,784
Travelers $2,603 $2,806 $2,847
USAA $2,022 $2,089 $2,190

How does your driving record affect Owens Cross Roads, AL car insurance rates?

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

Annual Owens Cross Roads, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,805 $3,303 $3,901 $3,164
Farmers $3,372 $4,371 $4,263 $4,040
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $3,707 $5,162 $5,038 $4,988
Nationwide $2,313 $2,313 $3,356 $2,579
Progressive $4,308 $5,445 $4,668 $4,725
State Farm $4,901 $6,152 $5,402 $5,402
Travelers $2,299 $2,410 $3,515 $2,783
USAA $1,616 $2,033 $3,006 $1,747

How does a DUI affect Owens Cross Roads, AL car insurance rates?

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

Annual Car Insurance Rates After a DUI in Owens Cross Roads, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,901
Farmers $4,263
GEICO $3,548
Liberty Mutual $5,038
Nationwide $3,356
Progressive $4,668
State Farm $5,402
Travelers $3,515
USAA $3,006

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How does your credit history affect Owens Cross Roads, AL car insurance rates?

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

Annual Car Insurance Rates by Credit Score in Owens Cross Roads, Alabama

Insurance Company Poor Fair Good
Allstate $4,070 $3,197 $2,612
Farmers $4,490 $3,874 $3,671
GEICO $3,353 $2,393 $2,165
Liberty Mutual $6,741 $4,160 $3,270
Nationwide $3,185 $2,486 $2,250
Progressive $5,382 $4,637 $4,340
State Farm $8,865 $4,484 $3,044
Travelers $2,998 $2,605 $2,653
USAA $2,815 $1,841 $1,645

How does your commute affect Owens Cross Roads, AL car insurance rates?

Owens Cross Roads, 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 Owens Cross Roads if you’re financing.

Annual Car Insurance Rates by Commute Length in Owens Cross Roads, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,293 $3,293
Farmers $4,011 $4,011
GEICO $2,591 $2,683
Liberty Mutual $4,724 $4,724
Nationwide $2,640 $2,640
Progressive $4,786 $4,786
State Farm $5,331 $5,597
Travelers $2,752 $2,752
USAA $2,004 $2,196

Who has the cheapest Owens Cross Roads, AL car insurance rates?

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

Best Annual Car Insurance Rates by Company in Owens Cross Roads, Alabama

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

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What are the top Owens Cross Roads, AL car insurance companies?

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

Average Annual Car Insurance Rates by Company in Owens Cross Roads, Alabama

Insurance Company Average Annual Rates
Allstate $3,293
Farmers $4,011
GEICO $2,637
Liberty Mutual $4,724
Nationwide $2,640
Progressive $4,786
State Farm $5,464
Travelers $2,752
USAA $2,100

What factors affect Owens Cross Roads, AL car insurance rates?

Why are Owens Cross Roads, Alabama car insurance rates different than rates in Dothan or Huntsville? 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 Owens Cross Roads, AL?

More time spent behind the wheel can lead to higher Owens Cross Roads, Alabama car insurance rates. In Owens Cross Roads, AL, the average commute length is 28.2 minutes.

Car Insurance Quotes for Owens Cross Roads, AL

Shop for affordable Owens Cross Roads, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Owens Cross Roads, AL car insurance companies.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption