Cheap Alabama Car Insurance

Find affordable auto insurance that works for you in Alabama. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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

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.


Affordable insurance companies in Alabama

What's the cheapest car insurance in Alabama?
Rank Company Name Avg. Annual Premium
1 Travelers $799
2 Auto-Owners $1,194
3 USAA $1,201
4 MetLife $1,354
5 Cal Casualty $1,481
6 Progressive $1,560
7 Country $1,613
8 Nationwide $1,657
9 Liberty Mutual $2,664
10 Cincinnati Insurance $4,482

Compare quotes from dozens of companies that provide coverage throughout Alabama. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Alabama

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%
No Accidents $611 31.20%
Good Credit $1,591 54.16%


Cheap auto 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 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
16 $5,710 $7,768
17 $5,463 $6,538
18 $5,228 $5,584
19 $4,753 $3,541


Cheap auto 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%

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Top rated car insurance companies in Alabama

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. 


Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Auto-Owners N/A Above average Superior N/A
Cal Casualty N/A N/A Good N/A
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Average Above average Good 4.2 / 5
MetLife N/A Below average Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
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


Alabama auto insurance laws

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:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Optional coverage in Alabama (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

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.

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How tickets change insurance rates in Alabama

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
DUI $2,261 63% $874
Racing $2,368 71% $980
Reckless Driving $2,299 66% $912
Driving with a Suspended License $2,129 53% $742
At-Fault Accident $2,002 44% $614
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
Improper Passing $1,687 22% $300
Following Too Closely $1,687 22% $300
Speeding $1,724 24% $336
Failure to Stop at a Red Light $1,687 22% $300
Illegal Turn $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
Distracted Driving $1,623 17% $236
Driving with Expired Registration $1,591 15% $203
Failure to Show Documents $1,591 15% $203
Not-at-Fault Accident $1,509 9% $122
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


Alabama car insurance FAQs

Who actually has the cheapest car insurance in Alabama?

Travelers is the cheapest insurance company in Alabama. Our data show Travelers charges $399 for a six-month policy — or $67 a month.

How much is car insurance in Alabama per month?

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.

What insurance company has the best auto rates?

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.

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 Enterprise, Alabama, and the most expensive in Birmingham, Alabama.

Rank City Avg. Annual Premium
1 Birmingham $1,648
2 Hoover $1,596
3 Mobile $1,592
4 Montgomery $1,488
5 Tuscaloosa $1,479
6 Huntsville $1,431
7 Auburn $1,354
8 Decatur $1,348
9 Dothan $1,346
10 Enterprise $1,292



If my car was fully paid for, can I still file a claim?

Having "full coverage" is a bit of a misnomer. It really refers to having both comprehensive and collision coverage.
Jul 1, 2018 Eutaw, Al

Will my car insurance company drop my son from our policy after a wreck?

Sorry to hear about the accident. Unless your son has other serious infractions on his record, I doubt that an insurance company would drop a driver for one loss.
Mar 3, 2020 Alabaster, AL

Do I have to list my spouse as a driver?

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
May 5, 2019 Scottsboro, AL

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

Here's what I recommend: because you don't have a drivers license, don't have a driving record, and won't be using the vehicle, I would have your son get car insurance for the vehicle but I would use your bank/credit card information to pay for it. Most insurance companies will allow you to add another consenting individual's payment information to the insurance policy - as they want to be paid for the policy regardless.
Jun 3, 2018 Huntsville, AL

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Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.