Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Ardmore after a DUI is USAA
  • Average car insurance rates in Ardmore, AL are $295/month
  • The annual number of car thefts in Ardmore is 2.

Average car insurance rates in Ardmore, Alabama are $295 a month. But with a little research you can get a great deal from the top car insurance companies in Ardmore, AL. Before you buy Ardmore, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Ardmore car insurance rates with Mobile car insurance rates, Hoover car insurance rates, or Birmingham car insurance rates to make sure you’re getting the best Ardmore, AL car insurance quotes available.

Need affordable Ardmore, AL car insurance? Enter your ZIP code to compare Ardmore car insurance quotes from multiple car insurance companies near you.

Ardmore, AL Minimum Car Insurance Coverage

Ardmore, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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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Ardmore, AL Car Insurance Rates by Coverage Level

Some Ardmore drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Ardmore, Alabama car insurance rates may be based on the coverage you need.

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

Ardmore, AL Car Insurance Rates by Age, Gender, and Marital Status

Ardmore, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ardmore, AL car insurance, get quotes from multiple car insurance companies in the Ardmore area and see how these criteria affect your rates.

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

Ardmore, AL Car Insurance Rates for Teens

How much is Ardmore, Alabama car insurance for teens? Compare rates from top Ardmore car insurance companies below to help find the cheapest teen car insurance in Ardmore, AL.

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

Ardmore, AL Car Insurance Rates for Seniors

Before seniors buy Ardmore, Alabama car insurance, they should make sure to shop around. Some Ardmore, AL car insurance companies may offer discounts or other savings options for senior car insurance.

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

Ardmore, AL Car Insurance Rates by Credit History

How does your credit history affect Ardmore, AL car insurance rates? Review the numbers here to find out.

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

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Ardmore, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ardmore, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ardmore.

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

Ardmore, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Ardmore, AL car insurance rates. Compare rates below to see which Ardmore car insurance company has the best rates for drivers with a DUI.

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

Ardmore, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ardmore, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Ardmore companies based on commute time.

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

Ardmore, AL Cheapest Car Insurance Rates

How do the top Ardmore, Alabama car insurance companies’ average rates stack up against the Ardmore average monthly car insurance rates of $295? Take a look and see.

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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Ardmore, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ardmore, Alabama car insurance companies to help you find one that best fits your needs.

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

Other Factors Affecting Ardmore, AL Car Insurance Rates

Before you buy Ardmore, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ardmore, AL Car Theft Rates

The car theft rate in Ardmore, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Ardmore, Alabama is 2 stolen cars.

Ardmore, AL Commute Time

How does your Ardmore, AL commute time compare with the average driver? In Ardmore, the average commute is 29.4 minutes.

Ardmore, AL Car Insurance Quotes

Compare Ardmore, AL car insurance quotes from multiple companies by entering your ZIP code now.