Cheap Quotes for Ward, AL Car Insurance (2021)

Ward, Alabama car insurance rates average $316 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Ward, AL companies, you can find cheap Ward 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 Ward, AL for senior drivers are $2,023/year
  • Average car insurance rates in Ward, AL after a DUI are $4,320/year
  • The cheapest car insurance company in Ward is USAA

How do the Ward, Alabama monthly average car insurance rates of $316/month compare to nearby cities like Hoover car insurance rates, Montgomery car insurance rates, and Madison car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Ward, AL.

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

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

What are the minimum Ward, AL car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ward, 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 $2,146 $2,059 $1,929 $1,968 $7,049 $7,554 $2,436 $2,505
Farmers $2,676 $2,663 $2,397 $2,532 $9,908 $10,210 $3,041 $3,183
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,248 $3,513 $2,660 $2,976 $11,590 $12,894 $3,473 $3,715
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,507 $2,370 $2,049 $2,186 $9,750 $10,899 $2,930 $3,101
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,612 $1,640 $1,500 $1,498 $8,475 $13,341 $1,527 $1,776
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

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

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

Annual Car Insurance Rates for Teen Drivers in Ward, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,049 $7,554
Farmers $9,908 $10,210
GEICO $5,292 $5,199
Liberty Mutual $11,590 $12,894
Nationwide $4,418 $5,752
Progressive $9,750 $10,899
State Farm $8,309 $10,427
Travelers $8,475 $13,341
USAA $4,083 $4,536

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

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

Annual Car Insurance Rates for Senior Drivers in Ward, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,929 $1,968
Farmers $2,397 $2,532
GEICO $1,937 $1,974
Liberty Mutual $2,660 $2,976
Nationwide $1,577 $1,642
Progressive $2,049 $2,186
State Farm $2,520 $2,520
Travelers $1,500 $1,498
USAA $1,288 $1,268

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

Annual Car Insurance Rates by Coverage Level in Ward, Alabama

Insurance Company Low Medium High
Allstate $3,335 $3,448 $3,584
Farmers $4,352 $4,524 $4,852
GEICO $2,643 $2,832 $3,058
Liberty Mutual $5,270 $5,484 $5,772
Nationwide $2,624 $2,595 $2,649
Progressive $4,024 $4,446 $4,952
State Farm $4,278 $4,514 $4,767
Travelers $3,736 $4,000 $4,027
USAA $2,139 $2,204 $2,302

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

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

Annual Ward, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,967 $3,472 $4,060 $3,324
Farmers $3,858 $4,969 $4,847 $4,630
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,319 $6,007 $5,888 $5,819
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $4,056 $5,053 $4,328 $4,459
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,269 $3,432 $5,000 $3,984
USAA $1,703 $2,133 $3,182 $1,843

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

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

Annual Car Insurance Rates After a DUI in Ward, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,060
Farmers $4,847
GEICO $3,748
Liberty Mutual $5,888
Nationwide $3,353
Progressive $4,328
State Farm $4,472
Travelers $5,000
USAA $3,182

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

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

Annual Car Insurance Rates by Credit Score in Ward, Alabama

Insurance Company Poor Fair Good
Allstate $4,287 $3,345 $2,735
Farmers $5,138 $4,409 $4,182
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,908 $4,828 $3,789
Nationwide $3,171 $2,467 $2,229
Progressive $5,085 $4,320 $4,017
State Farm $7,329 $3,709 $2,520
Travelers $4,280 $3,707 $3,777
USAA $2,984 $1,935 $1,726

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

Ward, 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 Ward if you’re financing.

Annual Car Insurance Rates by Commute Length in Ward, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,456 $3,456
Farmers $4,576 $4,576
GEICO $2,789 $2,899
Liberty Mutual $5,508 $5,508
Nationwide $2,623 $2,623
Progressive $4,474 $4,474
State Farm $4,410 $4,629
Travelers $3,921 $3,921
USAA $2,114 $2,317

Who has the cheapest Ward, AL car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Ward, Alabama

Insurance Company Average Annual Rates
Allstate $3,456
Farmers $4,576
GEICO $2,844
Liberty Mutual $5,508
Nationwide $2,623
Progressive $4,474
State Farm $4,519
Travelers $3,921
USAA $2,215

Car Insurance Quotes for Ward, AL

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