Find affordable auto insurance that works for you in Alabama. Compare quotes from over 100 top companies.
Our team has compiled data from all over Alabama, done the analysis and presented it below to help you find the perfect car insurance for your needs. We’ve made shopping for cheap car insurance in Alabama fun and easy, so you can quickly make an expert decision and get back to the things you enjoy in life.
Compare quotes from dozens of companies that provide coverage throughout Alabama. Enter your ZIP code below to get started.
Drivers with spotless 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%|
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 national teen driver average and more than three times as much as a typical driver in Alabama.
|Age||Annual Rate with Parents||Annual Rate Alone|
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|
Every auto insurance company emphasizes its low rates. But as with any product, the cheapest option isn't always the best choice. Considering the stakes, it's worth doing your due diligence to find the policy that will cover your car adequately in the event of a collision. When your money is at stake, it's worth being patient and finding a great value, rather than settling for the cheapest car insurance in Alabama.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
|GEICO||Average||Average||Superior||4.4 / 5|
|Liberty Mutual||Below average||Above average||Good||4.2 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|Travelers||Below average||Below average||Superior||4.3 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
In Alabama, drivers are required to maintain liability coverage at the below levels:
In Alabama, the state minimum coverage requirement is liability with limits of:
Optional coverage in Alabama (varies by carrier):
If you select the minimum required coverage in Alabama, expect to pay an average of $611 per year. This is cheaper than the national average by 7%. If you opt for a higher level of car insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against damages caused by car-versus-car collisions, theft, or weather incidents.
Better coverage comes at a cost: in Alabama, a comprehensive policy with a $1,000 deductible costs $1,219, 100% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 123% more than you would for basic liability-only coverage.
View a full breakdown of Alabama auto insurance rules and regulations.
If you get a ticket, your car insurance rates may rise. How much your rates rise depends on the type of violation, your insurance company's pricing strategy, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of average car insurance rates in Alabama after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,380||72%||$992|
|Refused Breathalyzer/Chemical Test||$2,261||63%||$874|
|Driving with a Suspended License||$2,129||53%||$742|
|Driving with an Open Container||$1,968||42%||$581|
|Operating a Vehicle Without Permission||$1,729||25%||$342|
|Passing a School Bus||$1,717||24%||$330|
|Following Too Closely||$1,687||22%||$300|
|Failure to Stop at a Red Light||$1,687||22%||$300|
|Driving Wrong Way/Wrong Lane||$1,687||22%||$300|
|Failure to Yield||$1,687||22%||$300|
|Speeding in a School Zone||$1,663||20%||$276|
|Driving Too Slowly||$1,663||20%||$276|
|Driving with Expired Registration||$1,591||15%||$203|
|Failure to Show Documents||$1,591||15%||$203|
|Failure to Use Child Safety Restraint||$1,464||6%||$77|
|Failure to Wear a Seat Belt||$1,464||6%||$77|
|Driving Without Lights||$1,387||0%||$0|
The average monthly premium in Alabama varies. The average driver pays $113/month for car insurance in Alabama. Our estimate could be low or high depending on your driving profile. Use our comparison tool to find multiple options for you.
The best company and best rates will depend on you. Based on your driving history, different companies will charge you different amounts. Use our comparison tool to find the perfect match for you.
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 Enterprise, Alabama, and the most expensive in Birmingham, Alabama.