Car Insurance in Alabama
- GEICO offers the cheapest liability and Travelers offers the cheapest full coverage auto insurance in AL
- Compare the cheapest car insurance quotes in AL from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Alabama
The average car insurance rate in Alabama is $983 per six-month policy —10% cheaper than the U.S. average.[1] If a cheap rate on full coverage is your main priority, start your insurance search with a quote from Travelers.Â
Our data shows that 33% of Alabama drivers feel they are paying too much for car insurance, but some are willing to pay more for better service and coverage options.[2] We suggest taking a closer look at Auto-Owners and State Farm for these customers.Â
- GEICO offered the cheapest liability insurance in Alabama at $33/mo
- Read about the rest of the top and best companies in Alabama ↓
- Travelers offered Alabama's cheapest full insurance coverage at $107/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Alabama ↓
- USAAÂ scored an 858 on J.D. Power's 2023 auto study as a highly-rated regional carrier.[3]Â For those who aren't eligible, State Farm, ALFA, and Nationwide rank above average by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Alabama ↓
- The Zebra used third-party reviews from J.D. Power and AM Best, as well as thousands of customer ratings in Alabama, to name State Farm the best overall company for drivers in Alabama.Â
- Read more about why we've ranked State Farm as a great fit for many Alabamians ↓
Cheap liability insurance in Alabama
The average cost for liability insurance in Alabama is $323 for a 6-month policy, which is relatively cheap compared to the national average for minimum coverage ($597).[1]Â According to our data, 41% of Alabama drivers only insure their vehicles with liability coverage. This meets legal requirements to drive in the state, but it may not be enough if you're involved in a serious accident.
If you decide that liability coverage is right for you, GEICO and Auto-Owners are the cheapest options for Alabama drivers. The table below shows monthly and 6-month liability insurance quotes from other reputable Alabama companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $199 | $33 |
| Auto-Owners | $226 | $38 |
| Travelers | $229 | $38 |
| USAA | $246 | $41 |
| State Farm | $293 | $49 |
| Progressive | $402 | $67 |
| Nationwide | $434 | $72 |
| Allstate | $557 | $93 |
Source: The Zebra
The Alabama minimum liability limit is 25/50/25, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage per accident. Carrying only the state-required minimum liability coverage is significantly cheaper than full coverage but can leave you at risk of being underinsured if you ever have a claim.Â
See our guide for more detailed information about Alabama auto insurance requirements.Â
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Find the best coverage and price in Alabama with The Zebra.
Alabama’s insurance minimum keeps you legal on the road, but it might not cover everything if you’re in an accident, especially an at-fault accident. Liability coverage won’t help with damage to your car from a crash or natural disaster, so it’s wise to consider comprehensive and collision coverage. If you want to save money, consider raising your deductible, checking for discounts, and shopping around. And remember, not everyone on the road has insurance, so having uninsured motorist coverage can really come in handy​.
Beth Swanson, content specialist at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| GEICO | $160 | $702 |
| Auto-Owners | $170 | $727 |
| Travelers | $214 | $627 |
| USAA | $223 | $729 |
| Nationwide | $232 | $815 |
| State Farm | $263 | $820 |
| Allstate | $307 | $837 |
| Progressive | $383 | $1,102 |
Source: The Zebra
Cheap full coverage insurance in Alabama
In 2024, full coverage insurance in Alabama costs an average of $983 for a 6-month policy. 59% of The Zebra's Alabama customers are looking for full coverage auto insurance quotes.[2]
Although it is more expensive than carrying the minimum state coverage, full coverage can provide much more peace of mind behind the wheel. If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents.
Some of the cheapest full coverage rates are from Travelers, GEICO, and Auto Owners.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $643 | $107 |
| GEICO | $748 | $125 |
| Auto-Owners | $765 | $127 |
| USAA | $823 | $137 |
| State Farm | $929 | $155 |
| Nationwide | $1,060 | $177 |
| Allstate | $1,205 | $201 |
| Progressive | $1,279 | $213 |
Source: The Zebra
What are the best car insurance companies in Alabama?
We named State Farm the best car insurance company in Alabama for several reasons, including consumer reviews, third-party ratings (J.D. Power, Trustpilot, and AM Best), average rates, and details such as discount information and coverage options.Â
Below are the pros and cons of State Farm, plus additional companies that offer the right mix of quality service and reasonable rates in Alabama. Remember that every driver's rating factor is different, so getting multiple quotes is important.
State Farm has a solid reputation for customer satisfaction. Although the company doesn't always have the cheapest rates in the state, the costs are pretty reasonable compared to other major companies.[3]Â The insurer also has strong financial stability, which confirms they can pay out claims reliably and sustain their operations over the long term.[4]
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Quality customer service ratings
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Personalized service and local agents
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Available nationwide
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May not be the cheapest option
Best car insurance in Alabama — honorable mentions
To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3,000 drivers across Alabama and the US.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $748 | $125 |
| Auto-Owners | $765 | $127 |
| USAA | $823 | $137 |
| Nationwide | $1,060 | $177 |
Source: The Zebra
How did we pick what company has the "Best Value" in Alabama?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Alabama
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap auto insurance for teens and young drivers in Alabama
Young drivers, especially those between 16 and 25, face very high car insurance rates, with 16 to 19-year-olds paying the most within that group. Due to the higher liability risk posed by inexperienced drivers, teens pay more than three times the national average for car insurance. In Alabama, these rates are particularly steep, with teen drivers paying an average of $6,613 per year for full coverage — 31% higher than the national average.
For more affordable options, consider Travelers or USAA if you're eligible.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $6,081 | $1,013 |
| Farmers | $4,177 | $696 |
| State Farm | $3,075 | $512 |
| Allstate | $2,574 | $429 |
| Nationwide | $2,364 | $394 |
| GEICO | $2,144 | $357 |
| USAA | $1,895 | $316 |
| Travelers | $1,763 | $294 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $2,268 | $378 |
| Nationwide | $2,595 | $433 |
| Auto-Owners | $2,637 | $439 |
| USAA | $2,848 | $475 |
| GEICO | $2,879 | $480 |
| Allstate | $3,362 | $560 |
| State Farm | $4,135 | $689 |
| Progressive | $7,938 | $1,323 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
- Take a certified defensive driving course to qualify for discounts and lower your chances of being in an accident.
- Opt for a more affordable car with excellent safety ratings and low repair costs instead of a high-performance vehicle.
- Remain on a parent’s insurance policy to save money and take advantage of their positive insurance history.
Find your best value insurance match with The Zebra.
Car insurance in popular Alabama cities
Car insurance companies calculate your rate based on many factors, including the vehicle's location. Of the cities we looked at, Huntsville had the cheapest rates, and Birmingham had the highest rates.
The table below shows average car insurance costs in some of Alabma's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Huntsville | $853 | $142 |
| Tuscaloosa | $881 | $147 |
| Montgomery | $903 | $151 |
| Mobile | $955 | $159 |
| Birmingham | $987 | $165 |
Source: The Zebra
Alabama auto insurance quotes after an accident or ticket
Finding affordable car insurance in Alabama after an accident can be challenging. Insurers often review your history of accidents and traffic violations to assess your risk as a customer. If you're found at fault in an accident, your annual car insurance premiums could rise to as high as $2,924.
Here’s a look at what the leading insurance companies in Alabama might charge you following an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $846 | $141 |
| Auto-Owners | $977 | $163 |
| USAA | $1,174 | $196 |
| State Farm | $1,242 | $207 |
| GEICO | $1,320 | $220 |
| Allstate | $1,843 | $307 |
| Progressive | $1,912 | $319 |
| Nationwide | $2,009 | $335 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
While it's ideal never to file an insurance claim, having a smooth experience when you do is essential. Our 2024 Customer Satisfaction Survey assessed the experiences of those who filed claims, and Auto-Owners performed well, making it a solid option in Alabama.
A bad driving record in Alabama can cause your insurance rates to skyrocket. Getting a ticket or citation will likely lead to higher auto insurance premiums. The extent of the increase depends on the violation, your insurer’s pricing policies, and varying local insurance rules and risks. This is why the impact of tickets on insurance can differ in your state compared to the national average.
Source: The Zebra
The Zebra's guide to Alabama car insurance laws for high-risk drivers
Some of the violations above, such as a DUI or driving without insurance, can lead to more complicated insurance implications. Below are more in-depth guides to Alabama car insurance laws and regulations.
Learn more about car insurance requirements in Alabama with our helpful guide.
Alabama DUI laws
In Alabama, a DUI offense can increase your annual car insurance premium by an average of $1,637. Finding affordable auto insurance after a DUI violation isn’t simple. A DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Alabama
If you're convicted of a DUI or DWI violation in Alabama, it’s critical to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, Travelers, the least expensive car insurance company with a DUI in Alabama, advertises annual rates 49% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Alabama is State Farm, while the priciest firm is Nationwide, with prices 49% above average.
Updating data...
| Company | Avg. Annual Premium |
|---|---|
| Travelers | $1,828 |
| State Farm | $2,901 |
| Auto-Owners | $2,929 |
| Progressive | $3,148 |
| Allstate | $3,294 |
| USAA | $3,645 |
| GEICO | $3,749 |
| Nationwide | $5,368 |
Source: The Zebra
No car insurer, in particular, offers inexpensive car insurance after a DUI. The recommended way to save after a DUI citation is to shop around.
You can compare and buy car insurance online or contact an insurance agent to assess your choices and find a cost-effective policy.
Alabama SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Alabama to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Alabama might require some research, but it could pay off in the end.
Â
How to acquire an SR-22 in Alabama
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask them to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new one.
Â
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would happily sell you a policy.
Â
For drivers without a vehicle
Not owning a vehicle makes it more challenging to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owner car insurance policy before filing an SR-22 request. Non-owner auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Alabama in minutes!
How have car insurance costs in Alabama changed?
In Alabama, average annual auto insurance costs increased by $226 in the past year. Car insurance rates in Alabama have been trending upward over the past decade. There have been a few years when rates dipped briefly but then increased significantly the following year. Don't count on cheap rates next year, but focus on shopping for the best rates from among multiple companies.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,792 | $226 |
| 2023 | $1,566 | -$204 |
| 2022 | $1,770 | $391 |
| 2021 | $1,379 | $82 |
| 2020 | $1,297 | -$148 |
| 2019 | $1,445 | -$13 |
| 2018 | $1,458 | -$16 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
| 2014 | $1,669 | $155 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Alabama car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Alabama auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 U.S. Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN AL
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Learn more about car insurance in Alabama:
- Car Insurance in Huntsville, AL
- Car Insurance in Mobile, AL
- Car Insurance with a DUI in Alabama
- Tuscaloosa, AL Car Insurance
- Car Insurance in Montgomery, AL
- Average Cost of Car Insurance in Alabama
- Alabama Car Insurance Laws
- Temporary Car Insurance in Alabama
- Car Insurance in Birmingham, AL
- Car Insurance for High-Risk Drivers in Alabama
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 editorial 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.