Alabama Auto Insurance (2024)
Alabama auto insurance costs $110 per month on average for full coverage, though rates vary by age, gender, driving profile, and more. Alabama requires all drivers to have 25/50/25 liability coverage to drive legally. With liability-only insurance, Alabama drivers could pay as little as $40 monthly.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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2,180 reviews- All Alabama drivers must carry bodily injury and property damage liability auto insurance
- Auto insurance rates vary drastically by companies based on age, gender, driving record, coverage amount, and more
- DUIs, at-fault accidents, and bad credit make it harder to find cheap auto insurance
Finding cheap auto insurance in Alabama isn’t difficult, with average monthly rates of $110. You can save even more on coverage by comparing the best auto insurance companies and understanding how insurance companies calculate rates.
It may be harder for drivers with infractions like DUIs and at-fault accidents to find cheap car insurance, but some companies may offer savings.
Read on to learn more about cheap auto insurance in Alabama, Alabama auto insurance requirements, and the best car insurance companies in Alabama.
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Cheap Alabama Auto Insurance Rates
A company advertised as cheap isn’t necessarily the cheapest company for every driver. Some companies may charge more for bad credit or full coverage auto insurance, so you’ll need to sort through companies to find the best one for you.
To help you find the best car insurance in Alabama, we’ve listed the cheapest Alabama auto insurance companies by coverage, driving record, and more.
Cheapest Auto Insurance in Alabama for Minimum Liability
Purchasing only the state minimum auto insurance requirements can significantly reduce your Alabama auto insurance rates. It’s a good option for drivers with old cars no longer worth much, though other drivers with newer cars should consider full coverage to avoid high bills.
However, if you want just minimum liability insurance, here’s a table of monthly average rates with the best Alabama auto insurance companies:
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Travelers, Nationwide, and Geico auto insurance are the companies with the most affordable auto insurance in Alabama.
Cheapest Auto Insurance in Alabama for Full Coverage
Often, full coverage auto insurance is the best choice for most drivers. While minimum liability insurance pays for other parties’ bills in an accident you cause, full coverage also pays for your bills if you cause an accident. It’s also important to compare Alabama auto insurance rates rates to find the cheapest full coverage:
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
On average, Liberty Mutual auto insurance has some of the most expensive full coverage auto insurance quotes in Alabama. Conversely, companies like Geico and Travelers have some of the cheapest Alabama auto insurance rates for full coverage.
Cheapest Auto Insurance in Alabama for At-Fault Accidents
At-fault accidents can raise your rates substantially, so it’s important to check which companies have the cheapest Alabama auto insurance rates with an accident on your record. You’ll probably save the most with Travelers auto insurance based on the average monthly rates.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
While Progressive is one of the cheapest insurance companies initially, it’s one of the most expensive after an accident. Therefore, looking at companies based on your driving profile is essential.
Some insurance companies may offer accident forgiveness, where your first at-fault accident with the company won’t increase your Alabama auto insurance rates. This feature can save you a lot of money after your first accident. It’s important to research and discover which insurance companies have accident forgiveness.
Cheapest Auto Insurance in Alabama for DUIs
Auto insurance for drivers with a DUI can cost hundreds of dollars more than for a driver with a clean record, making it challenging to find the best car insurance in Alabama. However, State Farm auto insurance and Progressive tend to raise rates the least.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Some of the most expensive companies after a DUI are Liberty Mutual and Farmers. So, you may want to shop around at other companies to find cheap auto insurance if you have a DUI in Alabama.
Cheapest Auto Insurance in Alabama for Bad Credit
Most insurance companies increase rates for drivers with bad credit since they’re more likely to miss payments. Unfortunately, this can lead to many other issues, such as canceled insurance coverage and driving illegally without insurance.
However, having bad credit doesn’t mean you can’t find savings. You can discover the best auto insurance companies for bad credit if you look specifically for companies that cater to people with poor credit scores.
Take a look at company rates by credit score below:
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
Geico and Nationwide are some of the best choices for drivers with poor credit scores, while Liberty Mutual and Allstate auto insurance are some of the worst, costing thousands of dollars more than the cheapest Alabama car insurance companies.
Cheapest Auto Insurance in Alabama for Young Drivers
Young drivers should stay on their parent’s policy for the cheapest Alabama auto insurance rates, but if that isn’t possible, they should take extra care when shopping for insurance. Auto insurance rates for teens are some of the highest compared to other demographics, as seen below:
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Young drivers pay up to three times more than other drivers, and there are many reasons why auto insurance costs more for young drivers. However, your choice of Alabama auto insurance company could save you money on your rates.
Cheapest Auto Insurance in Alabama by Major Cities
Auto insurance rates by ZIP code vary due to factors such as crime, weather, and traffic. Even within Alabama, you’ll see major rate changes from city to city.
Birmingham has some of the most expensive rates, costing a few hundred dollars more on average than cities like Huntsville. Getting car insurance quotes in Alabama can help you find the best auto insurance in Birmingham.
Alabama Auto Insurance and DUI Laws
DUI and auto insurance laws also affect how much you pay for insurance. For example, insurance in a state requiring higher coverage amounts will cost more than in a state with low coverage limits.
Read on to learn about Alabama’s insurance and DUI laws.
Alabama Auto Insurance Requirements
Alabama auto insurance requirements include bodily injury and property damage liability auto insurance. Not carrying these coverages is illegal and will result in fines, revoked licenses, and more.
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The required limit amounts are as follows:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $25,000 per accident
The above limits refer to the maximum amount your insurance will pay to other parties if you cause an accident. Since these amounts are rather low, we recommend carrying higher limits if you can afford them.
Optional Alabama Auto Insurance Coverages
Besides property damage and bodily injury liability auto insurance, most types of auto insurance are optional. The exception is collision and comprehensive auto insurance, which your lender may require if you have a lease or loan on your car.
In most cases, though, you can choose whether to carry the following coverages:
- Comprehensive insurance
- Collision auto insurance
- Gap insurance
- Modified car insurance
- Non-owner car insurance
- Rental car reimbursement
- Roadside assistance
- Uninsured motorist insurance
- Underinsured motorist insurance
- Umbrella insurance
Add-on coverages may seem excessive, but you’ll be better protected financially after an accident than if you just carried Alabama auto insurance requirements. It’s important to find out how much auto insurance coverage you need.
Alabama DUI Penalties
In Alabama, drivers charged with DUIs face much more than just increased costs that make it hard to find cheap auto insurance in Alabama.
DUI drivers may also face the following penalties:
- Fines
- Ignition interlock device
- Jail time
- License suspension
- Probation
Installing an ignition interlock device and other court costs can quickly add up to thousands of dollars, not counting your increased Alabama auto insurance rates. Drunk driving rates vary by state.
Auto insurance for drivers with a DUI is expensive. So, driving sober is the best way to maintain affordable auto insurance in Alabama.
Alabama SR-22 Auto Insurance
In Alabama, high-risk drivers may need to provide the state with an SR-22 certificate, or proof they meet Alabama auto insurance requirements.
Some drivers who may need an SR-22 certificate include:
- Drivers with a DUI
- Drivers caught driving with a suspended license
- Drivers caught driving without auto insurance
Your Alabama auto insurance company will file the SR-22 certificate, but you’re responsible for informing your company.
However, your insurer may drop you as a high-risk driver, so you may need to find a new one after you request an SR-22 certificate. Drivers without an insurance company may need to pay an SR-22 filing fee when signing up with a new company.
You must purchase non-owner car insurance to file for cheap SR-22 auto insurance if you don’t have a car. Non-owner car insurance is extra liability insurance that meets Alabama auto insurance requirements.
Finding Affordable Alabama Auto Insurance
Finding cheap car insurance in Alabama may require time and effort, but drivers can save hundreds of dollars by doing the groundwork. To find the cheapest car insurance company in Alabama for you, shop around for free Alabama auto insurance quotes.
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Frequently Asked Questions
What is the cheapest car insurance in Alabama?
USAA auto insurance has the lowest average auto insurance rates for drivers in Alabama of $56 monthly, though rates vary based on ZIP code, coverage options, and driving profile. In addition, only military members and their families qualify for USAA. The next cheapest companies are Travelers and Geico, with rates of $79 and $89 monthly, respectively.
Is car insurance cheaper in Alabama?
Alabama auto insurance costs $110 monthly on average for full coverage, 7% cheaper than the national average of $119. However, you can find even more affordable auto insurance in Alabama by shopping around at different companies.
What factors affect auto insurance rates in Alabama?
There are various factors that affect auto insurance rates in Alabama, like age, gender, ZIP code, driving profile, credit score, and coverage amount. You can get cheaper Alabama auto insurance quotes if you maintain good driving habits, good credit, and check for available discounts.
What auto insurance is required in Alabama>?
Alabama auto insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. Liability insurance is cheaper than full coverage, so finding cheap auto insurance in Alabama won’t be difficult if you only need the state requirements.
Is it illegal to drive without insurance in Alabama?
In Alabama, you must carry auto insurance to legally drive a vehicle. You could face fines, license suspension, or even jail time if you drive without insurance.
Auto insurance is a contract between you and an Alabama auto insurance company that provides financial protection in case of damage to your vehicle, injuries to yourself or others, and liability for property damage or bodily injury caused by you while operating a vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.