Best Cheap Auto Insurance in Owens Cross Roads, AL (2021)

The average Owens Cross Roads, AL auto insurance rates are $300 per month. The minimum auto insurance in Owens Cross Roads is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Owens Cross Roads, 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

  • Average auto insurance rates in Owens Cross Roads, AL for senior drivers are $1,908 per year
  • The most expensive auto insurance company in Owens Cross Roads for teen drivers is State Farm
  • The cheapest auto insurance company in Owens Cross Roads is USAA

Owens Cross Roads, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Owens Cross Roads 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 Owens Cross Roads, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Owens Cross Roads to other Alabama cities, including Huntsville auto insurance rates, Montgomery auto insurance rates, and Mobile auto insurance rates to see how Owens Cross Roads, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Owens Cross Roads, Alabama

Owens Cross Roads, 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 Owens Cross Roads, Alabama.

Minimum Required Auto 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

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Cheap Owens Cross Roads, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Owens Cross Roads, 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 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

Cheap Owens Cross Roads, Alabama Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Owens Cross Roads, Alabama Auto Insurance for Seniors

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

Annual Auto 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

Cheap Owens Cross Roads, 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 Owens Cross Roads, Alabama compared to the annual auto insurance rates with a clean record in Owens Cross Roads, Alabama.

Annual Owens Cross Roads, Alabama Auto 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

Cheap Owens Cross Roads, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Owens Cross Roads, Alabama

Insurance Company Annual Auto 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

Cheap Owens Cross Roads, Alabama Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Owens Cross Roads, Alabama Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Owens Cross Roads, Alabama

ZIP Code Average Annual Rates
35763 $3,675

Cheap Owens Cross Roads, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Owens Cross Roads, Alabama

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

Cheap Owens Cross Roads, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Owens Cross Roads, Alabama

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

Best Annual Auto 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

The Cheapest Owens Cross Roads, Alabama Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Owens Cross Roads, Alabama?

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

Owens Cross Roads Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Owens Cross Roads, Alabama commute length is 28.2 minutes according to City-Data.

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Compare Owens Cross Roads, Alabama Auto Insurance Quotes

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