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

  • Average car insurance rates in Lockhart, AL for senior drivers are $1,845/year
  • The cheapest car insurance company in Lockhart after a DUI is USAA
  • The cheapest car insurance company in Lockhart for teen drivers is USAA

Average car insurance rates in Lockhart, Alabama are $288 a month. But with a little research you can get a great deal from the top car insurance companies in Lockhart, AL. Before you buy Lockhart, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Lockhart, AL Minimum Car Insurance Coverage

Lockhart, 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 Lockhart, 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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Lockhart, AL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lockhart, Alabama

Insurance Company Low Medium High
Allstate $2,964 $3,052 $3,151
Farmers $3,546 $3,690 $3,960
GEICO $2,708 $2,886 $3,100
Liberty Mutual $5,030 $5,234 $5,508
Nationwide $2,529 $2,526 $2,589
Progressive $3,324 $3,663 $4,071
State Farm $3,960 $4,173 $4,405
Travelers $3,617 $3,856 $3,869
USAA $1,874 $1,934 $2,025

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lockhart, 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 $1,899 $1,826 $1,702 $1,737 $6,215 $6,674 $2,166 $2,228
Farmers $2,146 $2,128 $1,919 $2,032 $8,193 $8,430 $2,450 $2,559
GEICO $2,116 $2,085 $1,968 $1,996 $5,380 $5,307 $2,235 $2,099
Liberty Mutual $3,114 $3,367 $2,558 $2,861 $11,026 $12,259 $3,323 $3,548
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,046 $1,928 $1,673 $1,788 $8,098 $9,035 $2,391 $2,530
State Farm $2,608 $2,608 $2,343 $2,343 $7,632 $9,585 $2,940 $3,375
Travelers $1,562 $1,588 $1,458 $1,454 $8,183 $12,804 $1,481 $1,717
USAA $1,223 $1,247 $1,141 $1,125 $3,557 $3,951 $1,589 $1,721

Lockhart, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lockhart, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,215 $6,674
Farmers $8,193 $8,430
GEICO $5,380 $5,307
Liberty Mutual $11,026 $12,259
Nationwide $4,358 $5,617
Progressive $8,098 $9,035
State Farm $7,632 $9,585
Travelers $8,183 $12,804
USAA $3,557 $3,951

Lockhart, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lockhart, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,702 $1,737
Farmers $1,919 $2,032
GEICO $1,968 $1,996
Liberty Mutual $2,558 $2,861
Nationwide $1,527 $1,581
Progressive $1,673 $1,788
State Farm $2,343 $2,343
Travelers $1,458 $1,454
USAA $1,141 $1,125

Lockhart, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lockhart, Alabama

Insurance Company Poor Fair Good
Allstate $3,792 $2,958 $2,418
Farmers $4,184 $3,601 $3,412
GEICO $3,687 $2,629 $2,378
Liberty Mutual $7,540 $4,610 $3,621
Nationwide $3,073 $2,400 $2,171
Progressive $4,181 $3,562 $3,316
State Farm $6,773 $3,432 $2,334
Travelers $4,127 $3,574 $3,641
USAA $2,616 $1,700 $1,517

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Lockhart, AL Car Insurance Rates by Driver History

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

Annual Lockhart, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,629 $3,074 $3,580 $2,940
Farmers $3,138 $4,059 $3,958 $3,775
GEICO $1,980 $3,144 $3,808 $2,661
Liberty Mutual $4,124 $5,732 $5,620 $5,552
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,341 $4,171 $3,564 $3,668
State Farm $3,790 $4,655 $4,136 $4,136
Travelers $3,149 $3,306 $4,827 $3,841
USAA $1,498 $1,873 $2,786 $1,621

Lockhart, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lockhart, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,580
Farmers $3,958
GEICO $3,808
Liberty Mutual $5,620
Nationwide $3,241
Progressive $3,564
State Farm $4,136
Travelers $4,827
USAA $2,786

Lockhart, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lockhart, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,056 $3,056
Farmers $3,732 $3,732
GEICO $2,842 $2,954
Liberty Mutual $5,257 $5,257
Nationwide $2,548 $2,548
Progressive $3,686 $3,686
State Farm $4,079 $4,280
Travelers $3,781 $3,781
USAA $1,856 $2,033

Lockhart, AL Cheapest Car Insurance Rates

How do the top Lockhart, Alabama car insurance companies’ average rates stack up against the Lockhart average monthly car insurance rates of $288? Take a look and see.

Best Annual Car Insurance Rates by Company in Lockhart, 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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Lockhart, AL Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lockhart, Alabama

Insurance Company Average Annual Rates
Allstate $3,056
Farmers $3,732
GEICO $2,898
Liberty Mutual $5,257
Nationwide $2,548
Progressive $3,686
State Farm $4,180
Travelers $3,781
USAA $1,944

Other Factors Affecting Lockhart, AL Car Insurance Rates

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

Lockhart, AL Commute Time

How does your Lockhart, AL commute time compare with the average driver? In Lockhart, the average commute is 23.2 minutes.

Lockhart, AL Car Insurance Quotes

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