Ozark, AL Car Insurance

Drivers in Ozark pay, on average, $46 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What should residents of Ozark expect to pay for their car insurance? How do rates in Ozark measure up compared to neighboring areas, including Alabama as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ozark?

Area Average Monthly Car Insurance Premium
Ozark$46
AL$52
United States$80

Compared to the rest of the Alabama, coverage in Ozark is about $6 a month cheaper.

Compared to the rest of the country, auto insurance in Ozark is more affordable. It's about $34 cheaper to insure your vehicle in Ozark compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates represent the expected monthly payments for drivers in Ozark, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down average rates for Ozark residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$64
25-34$48
35-44$43
45-54$45
55-64$32
65+$42

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates begin to increase again in Ozark.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$45

Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly insurance rates, the difference in Ozark is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$39
1 Ticket$43
Multiple Tickets$88

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Ozark with a single accident on their record will usually see rates around $66 a month. Likewise, drivers with one ticket will be looking at a rate of around $43 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$34
2-3 Years$32
4-5 Years$33
6-7 Years$45
8-10 Years$55
11-14 Years$47
15 Years or Older$45

According to the first table above, cars are typically the cheapest vehicles to insure in Ozark, with drivers paying around $45 per month for insurance coverage.

Meanwhile, Ozark drivers who own an SUV, truck, or van, can expect to pay about $48 to insure their vehicle.

Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is about 5 years old. In Ozark, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$43
Divorced$50
Widowed$36

More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Ozark is no exception, with the difference totaling to around $4 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$46
Live with parents$41

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $1 a month less than those who own their own home in Ozark. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Ozark, AL

Recent trends in car insurance for Ozark drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

The cost of car insurance coverage in Ozark dropped from 2016-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $51.

How does Ozark compare to neighboring areas?

Why are car insurance rates in Ozark different from other areas?

There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Access to off-street parking
  • Area crime rates
  • Amount of drivers in the area
  • General road safety (how many accidents each locality has)
  • Local laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Ozark?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering policies in Ozark.

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Ozark Insurance FAQs

What factors affect car insurance quotes in Ozark?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Ozark different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Ozark?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Ozark?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Ozark or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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