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 Ohatchee, AL for senior drivers are $1,906/year
  • The cheapest car insurance company in Ohatchee for teen drivers is USAA
  • The cheapest car insurance company in Ohatchee after a DUI is USAA

Average car insurance rates in Ohatchee, Alabama are $301 a month. But with a little research you can get a great deal from the top car insurance companies in Ohatchee, AL. Before you buy Ohatchee, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Ohatchee, AL Minimum Car Insurance Coverage

Ohatchee, 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 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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Ohatchee, AL Car Insurance Rates by Coverage Level

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

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

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

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

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

Ohatchee, AL Car Insurance Rates for Teens

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

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

Ohatchee, AL Car Insurance Rates for Seniors

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

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

Ohatchee, AL Car Insurance Rates by Credit History

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

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

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Ohatchee, AL Car Insurance Rates by Driver History

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

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

Ohatchee, AL Car Insurance Rates With a DUI

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

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

Ohatchee, AL Car Insurance Rates by Commute

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

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

Ohatchee, AL Cheapest Car Insurance Rates

How do the top Ohatchee, Alabama car insurance companies’ average rates stack up against the Ohatchee average monthly car insurance rates of $301? Take a look and see.

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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Ohatchee, AL Top Car Insurance Companies

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

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

Other Factors Affecting Ohatchee, AL Car Insurance Rates

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

Ohatchee, AL Commute Time

How does your Ohatchee, AL commute time compare with the average driver? In Ohatchee, the average commute is 29.0 minutes.

Ohatchee, AL Car Insurance Quotes

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