Cheapest Car Insurance Quotes in Owens Cross Roads

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Owens Cross Roads Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Owens Cross Roads

The car insurance rate in Owens Cross Roads is $944 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $490, making it a popular choice for budget-conscious drivers. Rates in Owens Cross Roads can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Owens Cross Roads

$944

Avg. Car Insurance in Alabama

$973

National Average

$1278

Cheapest Car Insurance Companies in Owens Cross Roads

1st place: AutoOwners Insurance Co

At $490 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Cincinnati

Cincinnati offers auto insurance rates at $731 for six months, making it the third cheapest auto insurance company in Owens Cross Roads.

Owens Cross Roads Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Owens Cross Roads, AL is AutoOwners Insurance Co, offering policies at just $490 for a six-month term. This is followed by Travelers, which has an average six-month premium of $680.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1942 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Owens Cross Roads drivers find the best deals.

Cheap Car Insurance Companies in Owens Cross Roads, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$490	$83
Travelers	$680	$114
Cincinnati	$731	$123
Country Financial	$737	$124
State Farm	$737	$124
USAA	$784	$132
Auto-Owners	$795	$134
Allstate	$991	$167
Progressive	$1117	$188
Nationwide	$1377	$232
Farmers	$1942	$324

Key Takeaways

Way's key takeaways about car insurance in Owens Cross Roads

The auto insurance costs in Owens Cross Roads fall around $490 for six months.
The cheapest auto insurance company in Owens Cross Roads is Cincinnati.
Teen drivers pay the highest rate in Owens Cross Roads at $1055 per month.

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Cheapest Minimum Liability Car Insurance in Owens Cross Roads

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Owens Cross Roads are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Owens Cross Roads. Their Average 6 Month Premium is $127. Farmers is the most expensive at $737 for the same period.

Cheapest Liability Coverage in Owens Cross Roads, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$127	$21
Mercury	$139	$23
Auto-Owners Insurance Co	$219	$37
Travelers	$231	$39
USAA	$231	$39
State Farm	$247	$42
Auto-Owners	$265	$45
Country Financial	$276	$47
Progressive	$357	$60
Allstate	$409	$69
Nationwide	$513	$86
Farmers	$737	$123

Cheapest Full Coverage Car Insurance in Owens Cross Roads

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Owens Cross Roads is AutoOwners Insurance Co at $83 per month and $490 for six months.

Cheapest Full Coverage Car Insurance Quotes in Owens Cross Roads, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$490	$83
Travelers	$680	$114
Cincinnati	$731	$123
Country Financial	$737	$124
State Farm	$737	$124
USAA	$784	$132
Auto-Owners	$795	$134
Allstate	$991	$167
Progressive	$1117	$188
Nationwide	$1377	$232
Farmers	$1942	$324

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Average Car Insurance in Owens Cross Roads by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Owens Cross Roads, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Owens Cross Roads, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Owens Cross Roads's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Owens Cross Roads

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Owens Cross Roads,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Owens Cross Roads at $23 per month. At $6205 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$139	$23
Country Financial	$922	$155
Travelers	$1360	$229
USAA	$1729	$291
State Farm	$2022	$340
Auto-Owners	$2328	$396
Allstate	$3030	$510
Progressive	$5278	$889
Nationwide	$5393	$908
Farmers	$6205	$1055

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Owens Cross Roads, Cincinnati is the cheapest car insurance provider. At $178 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Owens Cross Roads is Farmers, offering rates of around $3140 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$178	$30
Country Financial	$721	$121
Travelers	$818	$138
Progressive	$1117	$188
USAA	$1181	$197
Nationwide	$1498	$252
Allstate	$1677	$279
Auto-Owners	$2420	$411
State Farm	$3440	$573
Farmers	$3140	$534

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Owens Cross Roads.

Car Insurance Rates with An Accident in Owens Cross Roads

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Owens Cross Roads, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Owens Cross Roads

The cheapest car insurance companies after an at-fault accident in Owens Cross Roads include Cincinnati and AutoOwners Insurance Co, offering $196 and $306, respectively. Farmers is an expensive provider with an average six-month premium of $2691.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$196	$33
Auto-Owners Insurance Co	$306	$52
Safeway	$380	$64
Travelers	$541	$91
Country Financial	$570	$96
State Farm	$709	$119
USAA	$807	$136
Auto-Owners	$876	$147
Allstate	$1187	$200
Progressive	$1838	$309
Nationwide	$2506	$422
Farmers	$2691	$458

Owens Cross Roads Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Owens Cross Roads AL. For example, the car insurance in Owens Cross Roads after a DUI increases to $784 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Owens Cross Roads auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$945	$157
One Med/PIP claim	$945	$161
One comp claim	$974	$162
Two Med/PIP claims	$974	$166
Not-at-fault accident	$980	$163
Two comp claims	$1025	$175
Driving without lights	$1123	$187
Failure to wear a seat belt	$1135	$193
Failure to show documents	$1141	$190
Child safety restraint	$1147	$195
Cell phone violation	$1164	$194
Driving with expired registration	$1164	$198
Driving too slowly	$1170	$195
Speeding 6 - 10 MPH over limit	$1170	$199
Speeding in school zone	$1170	$195
Texting while driving	$1170	$199
Speeding 11 - 15 MPH over limit	$1181	$197
Wrong way/wrong lane	$1181	$201
Failure to yield	$1187	$198
Following too closely	$1187	$202
Illegal turn	$1187	$198
Speeding 16 - 20 MPH over limit	$1187	$202
Failure to stop at a red light	$1193	$199
Improper passing	$1193	$203
Passing school bus	$1233	$206
Speeding 21 - 25 MPH over limit	$1239	$210
At-fault accident - less than $1000	$1250	$209
In 65 MPH zone	$1268	$215
At-fault accident - $1000-$2000	$1366	$228
Operating a vehicle without permission	$1394	$237
At-fault accident - greater than $2000	$1406	$235
Open container	$1435	$243
Reckless driving	$1590	$265
Driving with a suspended license	$1660	$282
Racing	$1682	$280
Refusal to submit to a chemical test	$1694	$288
DUI	$1729	$288
Leaving scene of an accident/hit and run	$1797	$306

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Owens Cross Roads after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Owens Cross Roads.

The cheapest car insurance premiums in Owens Cross Roads are offered by Cincinnati at $265 for a six-month policy. However, it can be as expensive as $2587 with companies like Farmers.

Owens Cross Roads car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$265	$45
Travelers	$663	$112
Country Financial	$778	$131
Allstate	$1106	$186
Progressive	$1117	$188
USAA	$1199	$202
State Farm	$1256	$211
Auto-Owners	$1665	$280
Nationwide	$3377	$568
Farmers	$2587	$439

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Owens Cross Roads are offered by Cincinnati at $133. However, it can be as expensive as $2483 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Owens Cross Roads after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$133	$22
Auto-Owners Insurance Co	$253	$43
State Farm	$594	$100
Country Financial	$599	$101
Travelers	$628	$106
USAA	$790	$134
Auto-Owners	$829	$139
Allstate	$1066	$181
Progressive	$1636	$273
Nationwide	$2530	$430
Farmers	$2483	$422

Car Insurance Price Trends in Owens Cross Roads, Alabama

Car insurance rates in Owens Cross Roads have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Owens Cross Roads dipped by $186 in January compared to $192 of December. In other words, there has been an decrease by $6 when you compare January and December.

The average cost of liability insurance in the Owens Cross Roads dipped to $47 in January, compared to $49 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Owens Cross Roads?

The car insurance in Owens Cross Roads is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Owens Cross Roads?

The cheapest car insurance in Owens Cross Roads is $83 per month for full coverage.

How much is car insurance in Owens Cross Roads for teenagers?

Car insurance for teenagers costs $139 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Owens Cross Roads?

The average cost of car insurance is $973 for a six-month policy. It will cost around $158 per month to insure your car in Owens Cross Roads.

Is car insurance expensive in Owens Cross Roads?

Car insurance can be expensive in Owens Cross Roads if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Owens Cross Roads can be affordable.

Cheapest Car Insurance Quotes in Owens Cross Roads

Why you can trust Way?

How Much Is Car Insurance in Owens Cross Roads

Avg. Car Insurance in Owens Cross Roads

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Owens Cross Roads

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: Cincinnati

Owens Cross Roads Car Insurance Rates by Company

Cheap Car Insurance Companies in Owens Cross Roads, AL

Way's key takeaways about car insurance in Owens Cross Roads

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Owens Cross Roads

Cheapest Liability Coverage in Owens Cross Roads, AL

Cheapest Full Coverage Car Insurance in Owens Cross Roads

Cheapest Full Coverage Car Insurance Quotes in Owens Cross Roads, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Owens Cross Roads by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Owens Cross Roads, AL increasing?

Car Insurance Premiums by Age in Owens Cross Roads

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Owens Cross Roads,AL

If you are in your twenties N/A is the best choice for car insurance in Owens Cross Roads.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Owens Cross Roads

Cheapest Car Insurance Companies after an At-Fault Accident in Owens Cross Roads

Owens Cross Roads Car Insurance Rates by Violation

Owens Cross Roads auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Owens Cross Roads after a DUI

Owens Cross Roads car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Owens Cross Roads after Speeding ticket

Car Insurance Price Trends in Owens Cross Roads, Alabama

Average Car Insurance Cost in Owens Cross Roads by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Owens Cross Roads, AL

Car Insurance Rates by State in the USA (2025 Update)

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