Compare Lockhart, AL Car Insurance Rates (2021)

Car insurance in Lockhart, AL averages $288 a month. Lockhart, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lockhart car insurance rates, compare quotes from the top car insurance companies in Lockhart, AL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lockhart, AL are $3,454/year
  • The cheapest car insurance company in Lockhart for teen drivers is USAA
  • The cheapest car insurance company in Lockhart is USAA

If you need to buy Lockhart, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Lockhart, AL is right here.

You’ll find Lockhart car insurance rates, the cheapest Lockhart, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Lockhart, Alabama car insurance rates to Birmingham car insurance rates, Montgomery car insurance rates, and Decatur car insurance rates.

Ready to find affordable Lockhart, AL car insurance today? Enter your ZIP code for fast, free Lockhart car insurance quotes.

Cheapest Lockhart, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lockhart, AL car insurance rates? Every Lockhart, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Lockhart, AL

Every driver must carry the minimum car insurance in Lockhart, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car 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

Cheapest Lockhart, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lockhart, AL. Compare credit history car insurance rates in Lockhart from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Lockhart, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lockhart, AL to rates for a clean record with top companies.

Annual Lockhart, Alabama Car 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

Cheapest Lockhart, AL Car Insurance for Teen Drivers

Teen car insurance in Lockhart, AL can be expensive. Take a look at rates from the top car insurance companies in Lockhart for teenagers.

Annual Car 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

Cheapest Lockhart, AL Car Insurance for Seniors

Take a look at Lockhart, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Lockhart, AL Car Insurance Rates After a DUI

A DUI in Lockhart, AL increases car insurance rates. Compare Lockhart, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lockhart, Alabama

Insurance Company Annual Car 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

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Cheapest Lockhart, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lockhart, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lockhart, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Lockhart, AL

Take a look at a side-by-side comparison of the top car insurance companies in Lockhart, AL to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Lockhart, Alabama

Find the cheapest car insurance companies in Lockhart, AL for each category right here.

Best Annual Car 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

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Cheapest Lockhart, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lockhart car insurance rates. Find the cheapest Lockhart, AL car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Lockhart, Alabama?

What factors can have an impact on Lockhart, AL car insurance? There are several reasons why Lockhart car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lockhart, Alabama.

Commute Time in Lockhart

The more time you spend in your car the higher the risk of an accident. The average commute length in Lockhart, AL is 23.2 minutes according to City-Data.

Compare Car Insurance Quotes in Lockhart, AL

Ready to find affordable Lockhart, Alabama car insurance today? Enter your ZIP code for fast, free Lockhart, AL car insurance quotes.

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Average Monthly Car Insurance Rates by State