How Much Does Car Insurance Cost in Alabama?

The Zebra
Feb. 7, 2019

Car insurance is affordable in Alabama. The average car insurance premium in Alabama is $1,358 per year — 4.9% less than the national average.

But auto insurance costs are affected by more than just location. Car insurance premiums consider an array of components, including your driving record, credit history, gender, age, and marital status.

We examined typical Alabama car insurance prices by each of the main rating factors. See below how much car insurance costs in each US location — or enter your zip code to see personalized rates from popular insurance companies.


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Average Alabama car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Prices in Alabama by Age Bracket

It’s a fact of life: as you grow older, your auto insurance expenditures change. Generally, auto insurance is pricier for young drivers, as insurers see newer drivers as less responsible.

In Alabama, car insurance costs $7,768 per year for a 16-year-old driver, but only $1,193 per year for a driver aged from 50 to 60.


ALABAMA CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage Yearly Premium
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

If you're shopping for car insurance for a teen driver, Alabama is the 40th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Prices in Alabama by Gender

While gender doesn’t carry as sizable an impact on car insurance prices as a driver's location or experience level, it is used as a pricing factor by auto insurers.


ALABAMA CAR INSURANCE PREMIUMS FOR MEN VS. WOMEN
GenderAverage Yearly Cost
Male$1,346.60
Female$1,375.19

If you think you aren't getting the best value for your money with your present auto insurance company, the best course of action is to shop around and compare rates.




Average Car Insurance Rates in Alabama by Marital Status

A benefit of wedlock — aside from the wedding gifts — is the lower rates you often get on insurance. In the state of Alabama, married motorists save $83 per year on auto insurance policies. This is a better deal than the national savings of $76.


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

Car insurance for divorced drivers in Alabama is the 25th most expensive in the US. If you're overpaying for your policy, shop around. You could find a great policy for less!




Average Car Insurance Rates in Alabama by Credit History

Car insurance companies use credit history to gauge a potential customer's insurability. Historical trends show drivers with good credit are more dependable auto insurance clients: they less frequently file claims that cost auto insurance companies money.

In Alabama, a driver with exceptional credit saves $1,840.32 per year in car insurance premiums, contrasted with a driver who has a poor credit history. Read more about how credit score can impact auto insurance expenditures:


ALABAMA CAR INSURANCE PRICES BY CREDIT LEVEL
Credit QualityAverage 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

Finding cheap car insurance if you have bad credit is difficult. But we're here to assist. Read our guide to getting auto insurance with poor credit and start saving!




Average Auto Insurance Prices for High-Risk Drivers in Alabama

If you’re found to be at fault in a driving incident or convicted of a driving violation, your insurance costs are bound to climb. The more red flags you accumulate, the pricier your car insurance gets.

In Alabama, your first at-fault fender bender will cost you $599.69 each year in auto insurance payments. A DUI — among the most serious vehicular violations — will lift your insurance rates in Alabama by as much as $872.63.


ALABAMA CAR INSURANCE RATES AFTER DRIVING OFFENSES
AgeAverage Annual Rate
DUI/DWI$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 shopping around to get inexpensive coverage that suits your needs.




Average Auto Insurance Costs by Coverage Level in Alabama

How much you're charged per month for car insurance depends on the level of coverage you carry. Liability-only coverage generally costs less, while low-deductible comprehensive coverage costs more. In Alabama, the premium gap between liability-only coverage and comprehensive coverage with a $500 deductible is $728.


ALABAMA CAR INSURANCE RATES BY COVERAGE TYPE
Coverage LevelAverage Annual Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$679
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,273
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,409
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$590
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,183
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,319
State Minimum — Liability Only$508
State Minimum — $1,000 Comprehensive/Collision$1,100
State Minimum — $500 Comprehensive/Collision$1,236

If your car insurance premiums cost more than average, consider weighing rates to find cheap coverage that suits you.