Where Can You Get the Cheapest Car Insurance in Alabama?

Across the Yellowhammer State, there are 201,752 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Here's what you need to know when driving in Alabama

Across the Yellowhammer State, there are 201,752 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

It's expensive to get car insurance in Alabama!

Dang! Alabama is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Alabama might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Alabama?
Rank Company Premium
1 Travelers $799
2 Cincinnati Insurance $820
3 USAA $913
4 GEICO $1,040
5 Country $1,183
6 Auto-Owners $1,194
7 Safeway $1,194
8 Progressive $1,261
9 MetLife $1,354
10 State Auto $1,359
11 Cal Casualty $1,481
12 State Farm $1,548
13 Nationwide $1,626
14 ALFA $1,709
15 Allstate $1,892
16 Farmers $1,893
17 Safeco $2,633
18 Liberty Mutual $2,664

Cheap Insurance for Good Drivers in Alabama

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Alabama drivers without a recent at-fault accident save 31% on their car insurance, on average, while Alabama drivers without a recent ticket save 16%. Both of these figures are near US averages. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $274 16.92%
No Accidents $611 31.20%
Good Credit $1,591 54.16%

Cheap Insurance for Young Drivers in Alabama

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Alabama, the typical teen driver pays $5,573 per year — approximately $600 more than the nationwide teen driver average and more than three times as much as a typical driver in Alabama.

Age Annual Rate with Parents Annual Rate Alone
16 $5,710 $7,768
17 $5,463 $6,538
18 $5,228 $5,584
19 $4,753 $3,541

Cheap Car Insurance for Bad Drivers in Alabama

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 39% after a DUI, 31% after an at-fault accident, and 16% after a speeding ticket in Alabama. These post-incident rate hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,957 31.20%
DUI $2,230 39.62%
Speeding Violation $1,621 16.92%
Bad Credit $2,938 54.16%
Car Insurance Laws

State minimum insurance requirements in Alabama

In Alabama, the state minimum coverage requirement is liability with limits of:
Optional coverage in Alabama (varies by carrier):

Liability coverage is legally required in Alabama and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Alabama, the minimum is listed as 25/50/25 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Alabama but higher coverage amounts are available with most companies.

Top Alabama Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Alabama.

Car Insurance FAQs

Are digital insurance cards accepted in Alabama?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Alabama you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Alabama?

Uninsured Drivers in Alabama
Alabama

20%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Alabama cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Florence, Alabama, and the most expensive in Birmingham, Alabama.

Rank City Avg. Annual Premium
1 Birmingham $1,451
2 Mobile $1,426
3 Bessemer $1,421
4 Prichard $1,399
5 Homewood $1,378
6 Hoover $1,341
7 Phenix City $1,339
8 Montgomery $1,338
9 Vestavia Hills $1,338
10 Gadsden $1,326
11 Northport $1,323
12 Tuscaloosa $1,320
13 Prattville $1,318
14 Alabaster $1,310
15 Anniston $1,305
16 Auburn $1,270
17 Opelika $1,269
18 Madison $1,266
19 Athens $1,262
20 Decatur $1,261
21 Enterprise $1,254
22 Huntsville $1,251
23 Daphne $1,251
24 Dothan $1,229
25 Florence $1,215

Recent Alabama Car Insurance Questions and Answers

In Alabama, does the car insurance follow the driver or the car?

Jun 16, 2018

My daughter’s car was hit by another driver and the car was damaged. The driver of that car was not ...

Car insurance for a car I own but don’t drive

Jun 04, 2018

So, here’s the deal. My daughter bought a car but couldn’t afford the loan payments so my son took over. ...

If my Alabama registration tags expire, do I still have to carry insurance?

Aug 13, 2017

My registration expired last month and I want to cancel my insurance to save some money until I’m ready to ...

Can I insure a vehicle my dad left to me in his will if the title and registration still have not been transferred to my name?

Jul 26, 2017

I had to apply for a death certificate to get the title transferred into my name but that takes time ...

Driving Laws

Alabama Texting and Driving Laws

  1. Ban on all cell phones for novice drivers (16, or 17 w/ Intermediate License <6 months)
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities

257

Per Year in Alabama
Annual DUI Arrests
Alabama
14,991
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

Alabama Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Alabama area, while also getting an insider view of the Yellowhammer State.

Prompt

So, Alabama students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.