Best Cheap Auto Insurance in Ozark, AL (2021)

The average Ozark, AL auto insurance rates are $276 per month. The minimum auto insurance in Ozark is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Ozark, 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 average commute length in Ozark is 22.2 minutes
  • The minimum auto insurance required in Ozark, Alabama is 25/50/25
  • The cheapest auto insurance company in Ozark is USAA

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

Compare auto insurance in Ozark to other Alabama cities, including Dothan auto insurance rates, Huntsville auto insurance rates, and Decatur auto insurance rates to see how Ozark, Alabama auto insurance rates stack up.

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

Minimum Auto Insurance in Ozark, Alabama

Ozark, 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 Ozark, Alabama.

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

Auto insurance rates in Ozark, 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 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

Cheap Ozark, Alabama Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Ozark, Alabama Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Ozark, Alabama Auto 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

Cheap Ozark, Alabama Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ozark, Alabama

Insurance Company Annual Auto 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

Cheap Ozark, Alabama Auto Insurance By Credit History

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

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

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

Annual Auto Insurance Rates by ZIP Code in Ozark, Alabama

ZIP Code Average Annual Rates
36360 $3,391

Cheap Ozark, Alabama Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ozark, Alabama

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

Cheap Ozark, Alabama Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Ozark, Alabama

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

Best Annual Auto 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

The Cheapest Ozark, Alabama Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Ozark, Alabama?

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

Ozark Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Ozark, Alabama auto theft statistics, there have been 38 auto thefts in the city.

Ozark Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ozark, Alabama commute length is 22.2 minutes according to City-Data.

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Compare Ozark, Alabama Auto Insurance Quotes

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