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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right 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 provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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.

Just What's Essential

  • The cheapest car insurance company in Owens Cross Roads for teen drivers is USAA
  • Average car insurance rates in Owens Cross Roads, AL are $300/month
  • Average car insurance rates in Owens Cross Roads, AL for senior drivers are $1,908/year

Average car insurance rates in Owens Cross Roads, Alabama are $300 a month. But with a little research you can get a great deal from the top car insurance companies in Owens Cross Roads, AL. Before you buy Owens Cross Roads, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Owens Cross Roads car insurance rates with Hoover car insurance rates, Decatur car insurance rates, or Auburn car insurance rates to make sure you’re getting the best Owens Cross Roads, AL car insurance quotes available.

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

Owens Cross Roads, AL Minimum Car Insurance Coverage

Owens Cross Roads, 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 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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Owens Cross Roads, AL Car Insurance Rates by Coverage Level

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

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

Owens Cross Roads, AL Car Insurance Rates by Age, Gender, and Marital Status

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

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

Owens Cross Roads, AL Car Insurance Rates for Teens

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

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

Owens Cross Roads, AL Car Insurance Rates for Seniors

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

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

Owens Cross Roads, AL Car Insurance Rates by Credit History

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

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Owens Cross Roads, AL Car Insurance Rates by Driver History

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

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

Owens Cross Roads, AL Car Insurance Rates With a DUI

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

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

Owens Cross Roads, AL Car Insurance Rates by Commute

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

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

Owens Cross Roads, AL Cheapest Car Insurance Rates

How do the top Owens Cross Roads, Alabama car insurance companies’ average rates stack up against the Owens Cross Roads average monthly car insurance rates of $300? Take a look and see.

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

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Owens Cross Roads, AL Top Car Insurance Companies

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

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

Other Factors Affecting Owens Cross Roads, AL Car Insurance Rates

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

Owens Cross Roads, AL Commute Time

How does your Owens Cross Roads, AL commute time compare with the average driver? In Owens Cross Roads, the average commute is 28.2 minutes.

Owens Cross Roads, AL Car Insurance Quotes

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