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 annual number of car thefts in Ozark is 38.
  • Average car insurance rates in Ozark, AL for senior drivers are $1,767/year
  • The cheapest car insurance company in Ozark for teen drivers is USAA

Average car insurance rates in Ozark, Alabama are $276 a month. But with a little research you can get a great deal from the top car insurance companies in Ozark, AL. Before you buy Ozark, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Ozark, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Ozark, Alabama

Insurance Company Low Medium High
Allstate $2,946 $3,046 $3,158
Farmers $3,491 $3,644 $3,938
GEICO $2,385 $2,595 $2,843
Liberty Mutual $4,724 $4,931 $5,210
Nationwide $2,529 $2,526 $2,589
Progressive $3,312 $3,720 $4,209
State Farm $3,869 $4,080 $4,311
Travelers $3,131 $3,343 $3,361
USAA $1,756 $1,816 $1,907

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ozark, 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 $1,854 $1,772 $1,675 $1,708 $6,351 $6,825 $2,083 $2,131
Farmers $2,128 $2,115 $1,904 $2,018 $8,097 $8,336 $2,416 $2,516
GEICO $1,880 $1,862 $1,796 $1,856 $4,889 $4,766 $1,984 $1,829
Liberty Mutual $2,874 $3,102 $2,358 $2,637 $10,592 $11,776 $3,055 $3,248
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,061 $1,928 $1,687 $1,815 $8,324 $9,261 $2,392 $2,508
State Farm $2,531 $2,531 $2,281 $2,281 $7,511 $9,417 $2,855 $3,286
Travelers $1,359 $1,381 $1,273 $1,269 $7,088 $11,077 $1,293 $1,488
USAA $1,149 $1,169 $1,075 $1,058 $3,348 $3,713 $1,490 $1,610

Ozark, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ozark, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,351 $6,825
Farmers $8,097 $8,336
GEICO $4,889 $4,766
Liberty Mutual $10,592 $11,776
Nationwide $4,358 $5,617
Progressive $8,324 $9,261
State Farm $7,511 $9,417
Travelers $7,088 $11,077
USAA $3,348 $3,713

Ozark, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ozark, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,675 $1,708
Farmers $1,904 $2,018
GEICO $1,796 $1,856
Liberty Mutual $2,358 $2,637
Nationwide $1,527 $1,581
Progressive $1,687 $1,815
State Farm $2,281 $2,281
Travelers $1,273 $1,269
USAA $1,075 $1,058

Ozark, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ozark, Alabama

Insurance Company Poor Fair Good
Allstate $3,772 $2,958 $2,419
Farmers $4,140 $3,559 $3,374
GEICO $3,315 $2,366 $2,142
Liberty Mutual $7,084 $4,358 $3,423
Nationwide $3,073 $2,400 $2,171
Progressive $4,235 $3,626 $3,381
State Farm $6,621 $3,356 $2,283
Travelers $3,578 $3,100 $3,157
USAA $2,450 $1,600 $1,430

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Ozark, AL Car Insurance Rates by Driver History

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

Annual Ozark, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,602 $3,060 $3,607 $2,931
Farmers $3,108 $4,015 $3,916 $3,725
GEICO $1,764 $2,830 $3,486 $2,351
Liberty Mutual $3,887 $5,414 $5,287 $5,233
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,382 $4,246 $3,645 $3,714
State Farm $3,698 $4,561 $4,043 $4,043
Travelers $2,733 $2,869 $4,183 $3,328
USAA $1,409 $1,763 $2,610 $1,524

Ozark, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ozark, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,607
Farmers $3,916
GEICO $3,486
Liberty Mutual $5,287
Nationwide $3,241
Progressive $3,645
State Farm $4,043
Travelers $4,183
USAA $2,610

Ozark, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ozark, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,050 $3,050
Farmers $3,691 $3,691
GEICO $2,560 $2,656
Liberty Mutual $4,955 $4,955
Nationwide $2,548 $2,548
Progressive $3,747 $3,747
State Farm $3,988 $4,185
Travelers $3,278 $3,278
USAA $1,743 $1,910

Ozark, AL Cheapest Car Insurance Rates

How do the top Ozark, Alabama car insurance companies’ average rates stack up against the Ozark average monthly car insurance rates of $276? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Ozark, Alabama

Insurance Company Average Annual Rates
Allstate $3,050
Farmers $3,691
GEICO $2,608
Liberty Mutual $4,955
Nationwide $2,548
Progressive $3,747
State Farm $4,087
Travelers $3,278
USAA $1,827

Other Factors Affecting Ozark, AL Car Insurance Rates

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

Ozark, AL Car Theft Rates

The car theft rate in Ozark, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Ozark, Alabama is 38 stolen cars.

Ozark, AL Commute Time

How does your Ozark, AL commute time compare with the average driver? In Ozark, the average commute is 22.2 minutes.

Ozark, AL Car Insurance Quotes

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