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Get Cheap Car Insurance in Owens Cross Roads, AL
We monitor insurance prices, helping the average driver in Owens Cross Roads save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Owens Cross Roads
The chart below shows the cheapest car insurance company in Owens Cross Roads for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Owens Cross Roads Insurer | Monthly Cost |
|---|---|
| Travelers | $66 |
| Gainsco | $69 |
| State Farm | $72 |
| Safe Auto | $73 |
Savings for Every Kind of Owens Cross Roads Driver
Based on our extensive insurance data, we know the average Owens Cross Roads driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $367 per year by choosing the right vehicle insurance company. Some Owens Cross Roads residents are paying out over $1,482 extra every year for auto insurance in Owens Cross Roads. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Owens Cross Roads, AL Savings / Yr. |
|---|---|
$367 |
|
$499 |
|
$468 |
|
$531 |
|
$1,152 |
|
$64 |
|
$313 |
Owens Cross Roads Car Insurance vs. Alabama
People living in Owens Cross Roads pay an average of 7.54% less than the typical driver in the state. The average driver in Owens Cross Roads can expect to pay about $978 per year, or $1,482 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Owens Cross Roads for most people.
Car Insurance Prices by Owens Cross Roads Neighborhood
Insurance Prices
Where is insurance cheapest within Owens Cross Roads?
The map shows insurance prices in and around Owens Cross Roads, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $105 per year within the city boundaries, with insurance premiums ranging from a high of $1,555 to a low of $1,450. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Owens Cross Roads.Pick the Best Car Insurance Company for You in Owens Cross Roads
The best car insurance provider for most drivers in Owens Cross Roads
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $367 over the average Owens Cross Roads car insurance company.
The best car insurance provider for Owens Cross Roads drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $499 over the competition.
The best car insurance company for Owens Cross Roads drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $468 better than other car insurance companies.
The best auto insurance for Owens Cross Roads drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $531 less each year.
The least expensive car insurance company for new and young drivers in Owens Cross Roads
In Owens Cross Roads, Travelers costs young drivers $1,152 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Owens Cross Roads
State Farm gave the largest car insurance discounts to married couples, averaging $64 saved each year compared to an average Owens Cross Roads couple's premiums.
The cheapest car insurance in Owens Cross Roads for drivers with bad credit
The best Owens Cross Roads car insurance company for customer service
Nationwide was the best company for customer service in Owens Cross Roads according to the NAIC.
Recent price drops
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The cheapest large national provider in Owens Cross Roads
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Owens Cross Roads driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Owens Cross Roads, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Owens Cross Roads
What Influences the Cost of Car Insurance in Owens Cross Roads?
On average, car insurance in Owens Cross Roads is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Owens Cross Roads is 31 minutes, which is a little less than average for a driver in the state.
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Owens Cross Roads are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Owens Cross Roads is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Owens Cross Roads is $82 per month for minimum coverage and $124 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Willowbrook: Insurance costs 2.16% less
- Brownsboro: Insurance costs 1.08% more
- Gurley: Insurance costs 3.04% more
- New Hope: Insurance costs 2.77% more
- Paint Rock: Insurance costs 3.44% more
- Maysville: Insurance costs 1.21% more
- Huntsville: Insurance costs 6.21% more
- Swaim: Insurance costs 3.04% more
- Redstone Arsenal: Insurance costs 4.66% more
- Laceys Spring: Insurance costs 6.55% more
Cities with Similar Populations
- Palmyra: Insurance costs 14.57% less
- Madison: Insurance costs 20.31% less
- Mamaroneck: Insurance costs 83.87% more
- Marblehead: Insurance costs 14.30% more
- Mattoon: Insurance costs 4.59% less
- Mayfield Heights: Insurance costs 24.63% less
- McAlester: Insurance costs 14.10% more
- McNair: Insurance costs 10.86% less
- Mechanicsville: Insurance costs 23.89% more
- Millersville: Insurance costs 29.08% more