Best Cheap Auto Insurance in Lockhart, AL (2021)

The average Lockhart, AL auto insurance rates are $288 per month. The minimum auto insurance in Lockhart is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Lockhart, Alabama, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Lockhart is USAA
  • Average auto insurance rates in Lockhart, AL for senior drivers are $1,845 per year
  • The minimum auto insurance required in Lockhart, Alabama is 25/50/25

Lockhart, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Lockhart can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lockhart, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Lockhart to other Alabama cities, including Decatur auto insurance rates, Madison auto insurance rates, and Montgomery auto insurance rates to see how Lockhart, Alabama auto insurance rates stack up.

Before you buy Lockhart, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lockhart, Alabama auto insurance quotes.

Minimum Auto Insurance in Lockhart, Alabama

Lockhart, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lockhart, Alabama.

Minimum Required Auto 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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Cheap Lockhart, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lockhart, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Lockhart, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lockhart, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Lockhart, Alabama.

Annual Auto 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

Cheap Lockhart, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Lockhart, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Lockhart, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lockhart, Alabama compared to the annual auto insurance rates with a clean record in Lockhart, Alabama.

Annual Lockhart, Alabama Auto 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

Cheap Lockhart, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lockhart, Alabama is not easy. Compare the annual rates for DUI auto insurance in Lockhart, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Lockhart, Alabama

Insurance Company Annual Auto 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

Cheap Lockhart, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lockhart, Alabama annual auto insurance rates by credit history compare.

Annual Auto 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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Cheap Lockhart, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lockhart, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Lockhart, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lockhart, Alabama

ZIP Code Average Annual Rates
36455 $3,531

Cheap Lockhart, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Lockhart, Alabama auto insurance. Find the cheapest annual Lockhart, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lockhart, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lockhart, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lockhart, Alabama? Check out the comparison of annual Lockhart, Alabama auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lockhart, Alabama

Compare the cheapest auto insurance companies in Lockhart, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Lockhart, Alabama Auto Insurance Companies

What auto insurance companies in Lockhart, Alabama are the cheapest? Compare the top Lockhart, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Lockhart, Alabama?

There are a lot of reasons why auto insurance rates in Lockhart, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lockhart, Alabama. Many local factors may affect your Lockhart auto insurance rates.

Lockhart Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lockhart, Alabama commute length is 23.2 minutes according to City-Data.

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Compare Lockhart, Alabama Auto Insurance Quotes

Before you buy Lockhart, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lockhart, Alabama auto insurance quotes.

Free Auto Insurance Comparison

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

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