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 Ward for teen drivers is USAA
  • Average car insurance rates in Ward, AL are $316/month
  • Average car insurance rates in Ward, AL for senior drivers are $2,023/year

Average car insurance rates in Ward, Alabama are $316 a month. But with a little research you can get a great deal from the top car insurance companies in Ward, AL. Before you buy Ward, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

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

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

Ward, AL Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Ward, Alabama

Insurance Company Low Medium High
Allstate $3,335 $3,448 $3,584
Farmers $4,352 $4,524 $4,852
GEICO $2,643 $2,832 $3,058
Liberty Mutual $5,270 $5,484 $5,772
Nationwide $2,624 $2,595 $2,649
Progressive $4,024 $4,446 $4,952
State Farm $4,278 $4,514 $4,767
Travelers $3,736 $4,000 $4,027
USAA $2,139 $2,204 $2,302

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ward, 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 $2,146 $2,059 $1,929 $1,968 $7,049 $7,554 $2,436 $2,505
Farmers $2,676 $2,663 $2,397 $2,532 $9,908 $10,210 $3,041 $3,183
GEICO $2,072 $2,042 $1,937 $1,974 $5,292 $5,199 $2,191 $2,046
Liberty Mutual $3,248 $3,513 $2,660 $2,976 $11,590 $12,894 $3,473 $3,715
Nationwide $1,738 $1,767 $1,577 $1,642 $4,418 $5,752 $1,924 $2,162
Progressive $2,507 $2,370 $2,049 $2,186 $9,750 $10,899 $2,930 $3,101
State Farm $2,797 $2,797 $2,520 $2,520 $8,309 $10,427 $3,156 $3,629
Travelers $1,612 $1,640 $1,500 $1,498 $8,475 $13,341 $1,527 $1,776
USAA $1,382 $1,408 $1,288 $1,268 $4,083 $4,536 $1,803 $1,953

Ward, AL Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ward, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,049 $7,554
Farmers $9,908 $10,210
GEICO $5,292 $5,199
Liberty Mutual $11,590 $12,894
Nationwide $4,418 $5,752
Progressive $9,750 $10,899
State Farm $8,309 $10,427
Travelers $8,475 $13,341
USAA $4,083 $4,536

Ward, AL Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ward, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,929 $1,968
Farmers $2,397 $2,532
GEICO $1,937 $1,974
Liberty Mutual $2,660 $2,976
Nationwide $1,577 $1,642
Progressive $2,049 $2,186
State Farm $2,520 $2,520
Travelers $1,500 $1,498
USAA $1,288 $1,268

Ward, AL Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ward, Alabama

Insurance Company Poor Fair Good
Allstate $4,287 $3,345 $2,735
Farmers $5,138 $4,409 $4,182
GEICO $3,618 $2,580 $2,334
Liberty Mutual $7,908 $4,828 $3,789
Nationwide $3,171 $2,467 $2,229
Progressive $5,085 $4,320 $4,017
State Farm $7,329 $3,709 $2,520
Travelers $4,280 $3,707 $3,777
USAA $2,984 $1,935 $1,726

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Ward, AL Car Insurance Rates by Driver History

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

Annual Ward, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,967 $3,472 $4,060 $3,324
Farmers $3,858 $4,969 $4,847 $4,630
GEICO $1,940 $3,087 $3,748 $2,603
Liberty Mutual $4,319 $6,007 $5,888 $5,819
Nationwide $2,288 $2,288 $3,353 $2,561
Progressive $4,056 $5,053 $4,328 $4,459
State Farm $4,090 $5,044 $4,472 $4,472
Travelers $3,269 $3,432 $5,000 $3,984
USAA $1,703 $2,133 $3,182 $1,843

Ward, AL Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ward, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,060
Farmers $4,847
GEICO $3,748
Liberty Mutual $5,888
Nationwide $3,353
Progressive $4,328
State Farm $4,472
Travelers $5,000
USAA $3,182

Ward, AL Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ward, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,456 $3,456
Farmers $4,576 $4,576
GEICO $2,789 $2,899
Liberty Mutual $5,508 $5,508
Nationwide $2,623 $2,623
Progressive $4,474 $4,474
State Farm $4,410 $4,629
Travelers $3,921 $3,921
USAA $2,114 $2,317

Ward, AL Cheapest Car Insurance Rates

How do the top Ward, Alabama car insurance companies’ average rates stack up against the Ward average monthly car insurance rates of $316? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Ward, Alabama

Insurance Company Average Annual Rates
Allstate $3,456
Farmers $4,576
GEICO $2,844
Liberty Mutual $5,508
Nationwide $2,623
Progressive $4,474
State Farm $4,519
Travelers $3,921
USAA $2,215

Ward, AL Car Insurance Quotes

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