What's the Average Cost of Car Insurance in Alabama?

The Zebra
Oct. 12, 2018

Auto insurance is affordable in Alabama. The average auto insurance premium in Alabama is $1,358 per year — 4.9% less than the US average.

Your car insurance rates are impacted by more than just the state in which you live. Car insurance premiums take into account myriad factors, including the insured party's marital status, driving history, credit rating, gender, and age.

We analyzed average Alabama car insurance rates by all of the main rating components. See below how much car insurance runs in each US state — or submit your zip code to view personalized quotes from popular insurers.


Average Car Insurance Costs in Alabama by Age

It's unavoidable: as you grow older, your car insurance premiums shift. Generally speaking, auto insurance is more expensive for teenage drivers, as car insurers consider inexperienced drivers as more risky.

In Alabama, car insurance coverage costs $7,768 each year for a 16-year-old driver, and only $1,193 yearly for a driver between 50 and 59 years of age.


ALABAMA CAR INSURANCE RATES BY AGE
Age Average Yearly Rate
16 $7,768.48
17 $6,537.94
18 $5,583.55
19 $3,541.07
20s $1,896.35
30s $1,329.43
40s $1,282.33
50s $1,193.30
60s $1,204.99
70s $1,429.19



Average Auto Insurance Rates in Alabama by Gender

While gender doesn’t have as significant an impact on auto insurance premiums as location or experience level, it is used as a rating factor. Men pay less than do women for auto insurance in Alabama, but the gap is just $28.60 per year.

ALABAMA CAR INSURANCE PRICES FOR MEN AND WOMEN
Gender Average Annual Premium
Male $1,346.60
Female $1,375.19



Average Car Insurance Rates in Alabama by Marital Status

One benefit of nuptials — in addition to the wedding gifts — is the price cut you may receive on your car insurance policy. In Alabama, married drivers save $83 per year on auto insurance. This is more than the national post-wedding price break of $76.


ALABAMA CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,346.60
Married $1,264.07
Divorced $1,351.87
Widowed $1,334.99



Average Car Insurance Costs in Alabama by Credit Tier

Car insurance companies rely on credit score as a way of determining how reliable a customer will be. Historical trends show drivers with exceptional credit scores are usually more dependable auto insurance clients: they less commonly file claims insurance companies are compelled to repay.

In the state of Alabama, a driver with excellent credit saves $1,840.32 annually on car insurance, compared with a driver who has a poor credit rating. Read more about how credit score may impact car insurance prices:


ALABAMA CAR INSURANCE PRICES BY CREDIT LEVEL
Credit Level Average Annual Rate
Very Poor (300-579) $2,937.73
Fair (580-669) $2,287.19
Good (670-739) $1,812.30
Very Good (740-799) $1,441.14
Exceptional (800-850) $1,097.41



Average Car Insurance Costs for High-Risk Drivers in Alabama

If you've been determined to be at fault for a driving incident or found guilty of a driving infraction, your car insurance premiums are bound to rise. The more violations you accrue, the more costly your auto insurance gets.

In Alabama, your first minor at-fault accident will lead to an extra $599.69 each year in car insurance premiums. A DUI or DWI — among the most severe driving violations — could raise your annual car insurance costs in Alabama by as much as $872.63.


ALABAMA CAR INSURANCE RATES AFTER TICKETS
Age Average Yearly Rate
DWI/DUI $2,230.21
Reckless Driving $2,183.10
At-Fault Accident (<$1,000) $1,957.27
At-Fault Accident ($1,000-$2,000) $1,770.52
At-Fault Accident (>$2,000) $1,957.27
Open Container $1,390.06
Speeding (21-25 MPH > limit) $1,381.78
Speeding (16-20 MPH > limit) $1,381.78

If you're facing above-average auto insurance costs, think about insurance shopping to get affordable coverage that fits your needs.


Find affordable car insurance today!

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