Car Insurance for Good Drivers in Alabama

The Zebra
July 15, 2019

Auto insurance for low-risk drivers in Alabama

Many of the factors that contribute to your car insurance rates lie beyond your control, including your gender, age, and location. But there are a few factors you can control if you're looking for lower rates.

To find affordable car insurance, consider keeping your driving record squeaky clean, your credit score solid, and your monthly driving mileage low. Car insurance companies are willing to provide price breaks to drivers who present little risk, so low-risk driving behaviors can lead to a price cut.

Looking for car insurance as a low-risk driver in Alabama? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in Alabama

One way to reduce your auto insurance rates is to steer clear of legal issues. Insurers view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your search for insurance with USAA, with average annual premiums of $856. That totals $531less than the average car insurance rate for drivers without citations in Alabama.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN ALABAMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$856
Allstate$1,376
Progressive$1,512
Country$1,579
Nationwide$1,659
ALFA$1,681
GEICO$1,685
State Farm$1,721

Car insurance rates for drivers with high credit scores in Alabama

Car insurance companies reward clients who maintain a solid credit history. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is between 670 and 739, your best auto insurance option in Alabama could be USAA, offering an average annual rate of $856. If your credit score is even better (in the "excellent" range), USAA could be a good company with which to start your search. USAA's prices for clients with credit scores of 800 or better are $289 per year less than the typical car insurance rate for drivers with exceptional credit in Alabama.

Find below a breakdown of auto insurance rates in Alabama for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN ALABAMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$856
Allstate$1,376
Progressive$1,512
Country$1,579
Nationwide$1,659
ALFA$1,681
GEICO$1,685
State Farm$1,721

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN ALABAMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$829
Allstate$1,240
Progressive$1,332
State Farm$1,389
Country$1,542
Nationwide$1,575
ALFA$1,600
GEICO$1,603

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN ALABAMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$778
State Farm$1,081
Allstate$1,082
Progressive$1,148
Nationwide$1,484
Country$1,514
Metropolitan$1,539
ALFA$1,552

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Car insurance for occasional drivers in Alabama

If you drive infrequently, you're less likely to file an auto insurance claim. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on auto insurance each month. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're an Alabama resident who drives less than 7,500 miles per year, consider USAA, which offers average per-year savings of $671 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN ALABAMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$716
Allstate$1,376
ALFA$1,482
Progressive$1,512
GEICO$1,524
State Farm$1,562
Country$1,579
Nationwide$1,659

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Car insurance rates for good drivers in Alabama — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a breakdown of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Huntsville$1,669$1,669$1,518$1,413$1,480
Montgomery$1,803$1,803$1,642$1,532$1,637
Tuscaloosa$1,815$1,815$1,655$1,547$1,632
Mobile$1,944$1,944$1,771$1,654$1,763
Birmingham$2,003$2,003$1,821$1,697$1,795

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