As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Alabama Auto Insurance and COVID-19
The state of Alabama has urged insurance companies to consider an immediate reduction in premiums and/or credit policyholders for reduced driving.
Find the lowest car insurance rates in two minutes
Grab a glass of R.C. and get ready to save big on car insurance in the great state of Alabama.
Home of the Rosa Parks Museum, world-class beaches, and stunning DeSota State park—it’s no wonder nearly five million people are singing “Sweet Home Alabama.” If that’s not enough, the U.S. Space & Rocket Center in Huntsville is also home to every U.S. child’s dream vacation: Space Camp.
If your favorite grocery store is Piggly Wiggly and you love a humid summer—not to mention a lower cost of living than the national average—Alabama is a great place to call home. And this guide will make getting the best and cheapest car insurance quotes in Alabama easy as (moon) pie.
Cheapest Car Insurance Quotes in Alabama
Here are the cheapest insurance companies in Alabama for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged auto insurance rates for the twenty most populous cities in Alabama.
Best Car Insurance Quotes in Alabama
The Insurify Composite Score is calculated by analyzing multiple factors indicating the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies offering car insurance in Alabama. For the complete list, see Insurify’s best car insurance companies.
Most Popular Car Insurance Companies in Alabama
We used research done by the Insurance Information Institute (III) to determine which companies wrote the most auto insurance policies in the state of Alabama. The more policies written, the more popular the company is.
According to the Insurance Information Institute (III), these are the most popular car insurance companies in Alabama by market share:
- State Farm
- Alfa Mutual
Wondering if one of these companies is right for you? Check out Insurify’s quote comparison tool today to find your lowest rate from Alabama’s most competitive insurance companies.
Cheapest Car Insurance Quotes in Alabama by City
Did you know that where you live can have the biggest impact on the price you pay on car insurance? While many factors such as your age and driving record influence the price of your policy, the area you live in—its population density, crime rates, and even weather patterns—is an easy way to determine the estimated cost of your policy.
We looked for the least expensive liability coverage we could find in the five most populous cities in Alabama using the same sample driver. How do your policy costs compare to our research?
Cheapest Car Insurance Quotes in Alabama by Profile
Here are the cheapest insurance companies in Alabama based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
Cheap Car Insurance Quotes for Young Drivers in Alabama
When you’re new to driving, your novice skills often land you in a higher risk category than a seasoned driver in their forties. Why is this? For one, inexperience has a proven correlation with higher probabilities of claims. For another, young drivers don’t have much by way of a driving record, making it more difficult to pinpoint their level of risk.
Young drivers looking to save should ask about discount programs available to them with their insurance provider. One little-known option is to take a defensive driving course approved by your insurance company. A $20 course can help you save up to 20 percent with some companies.
Cheap Car Insurance for Alabama Drivers with a DUI
There isn’t much out there that will raise your insurance rates as much as a DUI conviction. The effects can be felt for three to ten years depending on the insurance company. And those costs are in addition to the fines and penalties, which include:
- Possible jail time up to one year
- Fine of $600 to $2,100
- A 90-day license suspension, plus reinstatement fees
- Six months compliance with an Ignition Interlock Device; two years if BAC levels are about .15 percent
If you’re having trouble finding an affordable car insurance rate after a DUI, you should consider more radical options like downsizing your vehicle.
Cheap Car Insurance for Alabama Drivers with a Speeding Ticket
The need for speed may make you need more money. By far the most common way to raise your rates, getting them lowered afterward can be very difficult. Slowing down and keeping a clean driving record is the best way to ensure lower costs in the long term.
Cheap Car Insurance for Alabama Drivers with an At-Fault Accident
Next to a DUI, an at-fault accident on your driving rates is the easiest way to make your car insurance costs skyrocket. Lowering costs in the aftermath is no small feat. If you can’t find an affordable option consider removing collision coverage or comprehensive coverage from your policy.
And don’t forget to shop around. While insurance company A looks at your five-year driving history, insurance company B may only look at three years.
Alabama State Insurance Laws
Many laws and regulations are left to each state to decide what’s best for residents. Car insurance requirements are no exception. Like snowflakes, no two states are exactly the same when it comes to insurance laws.
State Minimum Car Insurance Coverage in Alabama
Your insurance agent shouldn’t be the only person who knows the minimum requirements for drivers in your state. You should also understand the minimums and the risks associated with minimum coverage. That way, you can decide if the minimum is right for you.
Alabama requires its drivers to carry at least:
- $25,000 bodily injury or death per person per accident
- $50,000 bodily injury for all persons per accident
- $25,000 property damage liability
- $25,000 uninsured and underinsured motorist protection bodily injury coverage per person
- $50,000 uninsured and underinsured motorist protection bodily injury coverage per accident
For many drivers, especially drivers with families or those who often have passengers in their vehicles, minimum auto insurance coverage can quickly fall short of claims in the event of an accident. Increasing coverage beyond the minimum is highly recommended.
Some drivers may also need to purchase collision coverage, which insures vehicles against loss due to an at-fault accident. And if you plan to resell or trade-in your vehicle, purchasing comprehensive coverage insures you against “acts of God”—for example, hail damage or if a tree branch crushes your hood during a windstorm.
Is Alabama a No-Fault State?
Alabama is not a no-fault state; it’s a tort state. This means the person at-fault in a car accident can be sued not only for concrete costs like medical bills and loss of wages but also for abstract costs like pain and suffering.
For Alabama drivers, then, carrying more than the mandatory minimums is a very good idea. This is because you can be sued for financial responsibility to a great extent than in states that limit litigation.
What are the penalties for driving without insurance in Alabama?
In short, the penalties for driving without insurance cancel any savings you might have for cutting it out of your budget. This includes:
- $500 fine for a first-time offense
- License suspension for six months
- Vehicle impoundment and registration revocation
- $200 reinstatement fees
- $400 reinstatement fee plus four-month suspension for a subsequent offense
Plus, you’ll likely face increased costs in purchasing an insurance policy due to your lapse in coverage. Why is this? Insurance companies have found correlations between a lapse in coverage and a higher likelihood of claims.
What is an Insurance Verification Request?
Don’t let the down-home country charm fool you: the state of Alabama is not messing around when it comes to Minimum Liability Insurance, or MLI as the Department of Revenue refers to it. The department uses the Alabama Online Insurance Verification System to affirm that cars registered in the state also have an insurance policy.
How this works: every vehicle subject to MLI rules and registered in Alabama is cross-referenced with the information provided by insurance companies. When the state finds a registration without an insurance policy attached to it, the owner of that vehicle will receive a letter requesting verification.
Drivers receiving this letter must prove one of the following:
- They had MLI on their vehicle at the time the verification was requested
- The vehicle under question was not operated and out of use, in which case the license plates will be revoked.
- The car was sold before the date of the request.
Any driver who cannot show proof of insurance during a traffic stop will also automatically receive an insurance verification request.
What are Alabama’s cell phone laws?
Distracted driving has been on the rise since the invention of texting. As such, most states have passed strict rules limiting or eliminating cell phone use while driving. And while Alabama does not have an explicit ban on cell phones, there are several laws restricting use.
- No driver is allowed to send, read or write emails and/or text messages while operating a vehicle.
- Drivers with an Intermediate License—drivers 16 years old or 17 years old with less than six months of driving experience—are prohibited from talking on a cell phone while driving.
- $25, $50, or $75 fine for first, second, and third (or more) violation of texting while operating a vehicle, plus two points on the violator’s license.
- $150 to $350 fines plus two points on the license for drivers with an Intermediate license found texting or using a cellphone. That extends to other handheld communication devices like a walkie-talkie.
The only exception to these rules is if the cell phone is used to call emergency services like the police, for navigational purposes, or while the driver is pulled over and parked.
What are the legal alcohol limits in Alabama?
Alabama abides by the national 0.08 percent Blood Alcohol Concentration (BAC) level. Alabama is also a zero-tolerance state, restricting underage drinkers to a BAC below 0.02 percent.
Furthermore, Alabama has implied consent laws making it unlawful to refuse a breathalyzer test. Anyone who refuses receives a 90-day license suspension, whether or not the driver is convicted. Plus, a test refusal can be used in court as evidence against drivers arrested for suspected DUI.
What are the seat belt laws in Alabama?
Both the driver and front-seat passenger(s) must wear a seat belt. According to child passenger laws, anyone under the age of 15 must also wear a safety belt. Children under the age of five must be in a child safety seat, while five and six-year-olds are quired to sit in a booster seat.
The fine for driving without a seatbelt is $25 per person. Plus, even a seatbelt ticket can mean higher costs for car insurance.
And don’t think a quick drive to the store exempts you. According to the Alabama Department of Public Health, “75 percent of all car crashes occur within 25 miles of home and on roads with a maximum speed of 40 mph or less.”
Which Companies Offer SR-22 Insurance in Alabama?
Whether you need to file an SR-22 due to traffic violations or because you were caught without insurance in the past, there are several options available to you in the Alabama insurance market. These include Esurance, Acceptance, Jupiter, Mendota, GEICO, Everest, Dairyland, National General, Foremost, Affirmative, Infinity, Safeco, The General, Progressive, Victoria, Ameriprise, Consumers, Direct Auto, Safeway, Farmers, and Titan.
You can also read our Ultimate Guide to SR-22 Insurance to learn more.
Alabama DMV Information
The Alabama Motor Vehicle Division is part of the Department of Revenue in Alabama. And, admittedly, it isn’t going to win any prizes for ease of use. As of this writing, only visits related to servicing driver’s licenses can be made by appointment. Everything else is walk-in, first come first served.
However, many tasks can be completed online, including:
- Accident reports
- Vehicle registration and title records
- Renewal of registration
- Checking the status of vehicle registration and title
If you’re moving to Alabama, you should know that you must transfer your license and registration within 30 days.
And a final precaution: Alabama experiences extreme weather including hail, tornadoes, and flash floods. Be sure to research the common weather patterns and insure yourself accordingly.
Save big on car insurance faster than you can sing “Alabama Waltz.”
Whatever your driving history, affordable car insurance doesn’t need to be a mystery. If costs are high, a little creative thinking can go a long way. Here are some keys to getting the best price on car insurance:
- Ask about discounts
- Remove any unnecessary or redundant coverage options
- Comparison shop at least once before your policy renews to make sure you’re still getting the best price on car insurance.
Don’t forget the last task is made easy with a quote comparison tool like the one offered by Insurify—and with price-drop alerts, you’ll never miss a chance to save again.