Car insurance costs $113 per month in Alabama on average. If you're paying too much, read our guide and find out how to save.
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Car insurance is affordable in Alabama. The average car insurance premium in Alabama is $1,358 per year — 4.9% less than the national average.
But auto insurance costs are affected by more than just location. Car insurance premiums consider an array of components, including your driving record, credit history, gender, age and marital status.
We examined typical Alabama car insurance prices by each of the main rating factors. See below how much auto insurance costs in each U.S. state — or enter your ZIP code to see personalized rates from popular insurance companies.
It’s a fact of life: as you grow older, your auto insurance expenditures change. Generally, auto insurance is pricier for young drivers, as insurers see newer drivers as less responsible.
In Alabama, car insurance costs $7,768 per year for a 16-year-old driver, but only $1,193 per year for a driver aged between 50 and 59.
|Age||Average Yearly Premium|
If you're shopping for car insurance for a teen driver, Alabama is the 40th cheapest state in which to buy auto insurance for a 16-year-old.
While gender doesn’t carry as sizable an impact on car insurance prices as a driver's location or experience level, it is used as a pricing factor by auto insurers.
|Gender||Average Yearly Cost|
If you think you aren't getting the best value for your money with your present auto insurance company, the best course of action is to shop around and compare rates.
A benefit of wedlock — aside from the wedding gifts — is the lower rates you often get on insurance. In the state of Alabama, married motorists save $83 per year on auto insurance policies. This is a better deal than the national savings of $76.
|Marital Status||Average Annual Rate|
Car insurance companies use credit history to gauge a potential customer's insurability. Historical trends show drivers with good credit are more dependable auto insurance clients: they less frequently file claims that cost auto insurance companies money.
In Alabama, a driver with exceptional credit saves $1,840.32 per year in car insurance premiums, contrasted with a driver who has a poor credit history. Read more about how credit score can impact auto insurance expenditures:
|Credit Quality||Average Annual Rate|
|Very Poor (300-579)||$2,937.73|
|Very Good (740-799)||$1,441.14|
Finding cheap car insurance if you have bad credit is difficult. Read our guide to getting auto insurance with poor credit.
If you’re found to be at fault in a driving incident or convicted of a driving violation, your insurance costs are bound to climb. The more red flags you accumulate, the pricier your car insurance gets.
In Alabama, your first at-fault fender bender will cost you $599 each year in auto insurance payments. A DUI — among the most serious vehicular violations — will lift your insurance rates in Alabama by as much as $872.
|Age||Average Annual Rate|
|At-Fault Accident (<$1,000)||$1,957.27|
|At-Fault Accident ($1,000-$2,000)||$1,770.52|
|At-Fault Accident (>$2,000)||$1,957.27|
|Speeding (21-25 MPH > limit)||$1,381.78|
|Speeding (16-20 MPH > limit)||$1,381.78|
If you're facing above-average auto insurance costs, think about shopping around to get inexpensive coverage that suits your needs.
How much you're charged per month for car insurance depends on the level of coverage you carry. Liability-only coverage generally costs less, while low-deductible comprehensive coverage costs more. In Alabama, the premium gap between liability-only coverage and comprehensive coverage with a $500 deductible is $728.
|Coverage Level||Average Annual Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$679|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,273|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,409|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$590|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,183|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,319|
|State Minimum — Liability Only||$508|
|State Minimum — $1,000 Comprehensive/Collision||$1,100|
|State Minimum — $500 Comprehensive/Collision||$1,236|
If your car insurance premiums cost more than average, consider weighing rates to find cheap coverage that suits you.