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Cheapest Car Insurance Quotes in Alabama

National General is the cheapest car insurance company in Alabama, with rates of $45 per month. Shop real-time quotes for Alabama and buy your policy all in one place with Insurify.

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Cheapest recent car insurance quotes in Alabama

Recent Alabama car insurance prices for Honda, Nissan, Hyundai , and more.

*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Aly J. Yale
Written byAly J. Yale
Aly J. Yale
Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
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Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.

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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.

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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Cheapest car insurance quotes in Alabama

Alabama has relatively cheap car insurance rates, with an average monthly premium of $128 for full coverage and $68 for liability-only insurance. Compare that to the national averages of $173 per month for full coverage and $99 per month for liability coverage.

We analyzed average rates for 120+ auto insurance companies in Alabama to help you find the most affordable coverage. Use the information in the table below to determine which insurer is best for your coverage needs and budget.

Driver Category
sort ascsort desc
Cheapest Insurance Company in Alabama
sort ascsort desc
Cheapest Monthly Quote in AL
sort ascsort desc
OverallNational General$45
State-minimum liability coverageNational General$45
Full coverageUSAA$93
Drivers with a clean recordNational General$45
After a speeding ticketNational General$57
After an at-fault accidentNational General$60
After a DUINational General$64
Teen/new driversNational General$96
SeniorsNational General$36
Bad creditNational General$55
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Cheapest liability-only car insurance in Alabama: National General

Opting for liability-only coverage can help you minimize your car insurance costs. On average, you’ll pay about $68 per month for liability-only insurance in Alabama. But many insurance companies offer cheaper premiums.

National General, Auto-Owners, and USAA currently offer the cheapest liability coverage in Alabama. See below for more info on these and other cheap liability-only insurance options in Alabama, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$45
Auto-Owners$51
USAA$51
State Farm$52
Progressive$53
Allstate$55
Direct Auto$57
COUNTRY Financial$57
Excepsure$59
First Acceptance$69
AssuranceAmerica$69
Trexis$69
Travelers$70
The General$71
Bristol West$76
GEICO$76
GAINSCO$85
Nationwide$87
Farmers$95
Safeco$95
Hugo$95
Root$104
Dairyland$107
Liberty Mutual$162
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Agent Tip: Is liability-only insurance enough coverage in Alabama?

Austin Moyers

Austin Moyers

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Sales Manager, Insurify

Liability-only coverage meets Alabama’s minimum coverage requirements, but it often isn’t enough if you cause a serious accident. Repair costs, medical bills, or lawsuits can easily exceed minimum limits, and you’d have to pay the difference out of pocket. Full coverage costs a bit more but gives you better protection when you need it most.

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Cheapest full-coverage car insurance in Alabama: USAA

For the most protection in Alabama, consider a full-coverage policy. Full coverage typically includes liability, collision, and comprehensive coverages. In Alabama, full coverage averages $128 per month. But some insurers offer lower premiums.

The chart below details the cheapest full-coverage car insurance options in Alabama, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$93
Auto-Owners$94
State Farm$94
National General$98
Allstate$101
COUNTRY Financial$103
Direct Auto$104
Insurify Car$105
Insurify Car$105
Insurify Car$105
Insurify Car$105
Progressive$113
The General$127
Travelers$128
GEICO$140
AssuranceAmerica$143
Root$159
Nationwide$160
Trexis$165
Safeco$167
Farmers$173
First Acceptance$178
Bristol West$185
GAINSCO$209
Liberty Mutual$217
Dairyland$306
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Alabama

Recent Alabama car insurance prices for Mercury, Toyota, KIA , and more.

*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Insurify Car: One-week car insurance for Alabama drivers

Insurify Car is a great option for Alabama drivers who need short-term or flexible car insurance.

With Insurify Car, you can get weekly car insurance coverage that meets Alabama’s state-required minimums for as little as $23 per week. You can get coverage online in minutes, and you can cancel at any time.

Insurify Car is best for people who don’t drive often or who need immediate coverage with a small initial payment.

Best cheap car insurance companies in Alabama

Alabama already has cheap auto insurance compared to most states, but some insurers offer lower rates than others. Here are some of the best car insurance companies in Alabama if you’re looking for affordable coverage.

Auto-Owners: Best for drivers with average credit in Alabama

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo
4.3
Best choice in AlabamaBased on 305 verified driver reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best in Alabama for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best in Alabama for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 145 Auto-Owners reviews
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you have an average credit history, Auto-Owners is a good choice for car insurance coverage. The company offers cheap premiums for Alabama drivers with average credit. It also has a variety of coverage options and discounts.

But Auto-Owners may not be the best choice if you value online convenience. You have to get a quote through an agent, and the company’s mobile apps have mixed ratings.

Pros
  • Low rates for drivers with average credit

  • Many available coverage options

  • Many available car insurance discounts

Cons
  • Must work with an agent for a quote

  • Mobile apps have mixed ratings

  • Low Trustpilot rating

State Farm: Best for rideshare drivers in Alabama

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$94/mo
4.0
Best choice in AlabamaBased on 15,386 verified driver reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best in Alabama for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best in Alabama for
Customer service
Competitive rates
Discounts for safe drivers
Showing 51 reviews from Alabama drivers - See all 7,103 State Farm reviews
David
Verified Review
State Farm User for 53 Years
Reviewed in Alabama on February 21, 2026
I have been using State Farm for car, auto, life, personal belongings, and umbrella insurance since 1975 and have always been very satisfied, except with the repairs from a water leak. The leak was repaired correctly, but the floor repair by a company recommended by State Farm ruined our floor and cannot be refinished again because the company sanded the floor incorrectly. This probably lowered the value of our home.
Alice
Verified Review
State Farm
Reviewed in Alabama on February 11, 2026
Always answers the phone or email. Kind voice that answers inquiries.
Sherry
Verified Review
Not trustworthy
Reviewed in Alabama on February 6, 2026
Before I decided to purchase, they promised one price and actually charged $60 more per month when I purchased. That’s over $700 more per year!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is an excellent insurer if you drive for Uber or Lyft. The company offers some of the most affordable rates for Alabama rideshare drivers. It also has a variety of discounts to help you save even more.

But you may want to explore other options if you finance your car, as State Farm doesn’t offer gap insurance.

Pros
  • Low rates for rideshare drivers

  • Many car insurance discounts

  • Highly rated mobile apps

Cons
  • Gap insurance not available

  • Fewer add-ons than competitors

  • Low Trustpilot ratings

USAA: Best for military members and veterans in Alabama

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo
4.9
Best choice in AlabamaBased on 3,034 verified driver reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best in Alabama for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best in Alabama for
Members of the military community
Outstanding customer service
Competitive rates
Showing 5 reviews from Alabama drivers - See all 1,461 USAA reviews
James
Verified Review
So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.
Reviewed in Alabama on November 11, 2025
So far, the response to my current claim has been very good, much better than the last claim. We will see how it goes.
Dennis
Verified Review
USAA Rate Concerns
Reviewed in Alabama on November 8, 2025
USAA constantly doubles rates for no reason. I feel they are a scam. I just got a quote for greater coverage for 1/3 the cost from a major carrier.
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 25, 2025
I'm a 68-year customer. That should tell you everything.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA has the cheapest Alabama car insurance across many categories. But USAA offers coverage only to Alabama military members, veterans, certain government workers, and their families. Qualifying drivers can find significant savings, though. USAA’s liability rates are less than the state average.

If you want in-person service, USAA may not be right for you. The insurer doesn’t have any physical branches in Alabama.

Pros
  • Low premiums for many drivers

  • Many car insurance discounts

  • Highly rated mobile apps

Cons
  • Available only to military members and their families

  • No physical locations in Alabama

  • Low Trustpilot rating

How car insurance costs in Alabama have changed

While car insurance costs are decreasing in many U.S. states, Alabama’s premiums are likely to rise by 1% by the end of the year. Our analysts predict average annual premiums will cost about $1,670 in 2026, up from $1,652 in 2025.

Average car insurance costs in Alabama over time

Car insurance costs are always in flux. As market conditions, local risks, and other factors shift, so do premiums. The graph below shows how Alabama’s car insurance rates have trended over the last five years.

Average Alabama Car Insurance Rates Over the Past Five Years

Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.

Find Cheap Car Insurance in Alabama

Compare quotes starting at $45 per month

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ProgressiveLiberty MutualAllstate

Alabama car insurance requirements

Like most U.S. states, Alabama requires you to have a minimum amount of liability insurance to legally drive.

Drivers in Alabama must have at least the following amounts of bodily injury liability and property damage liability:[1]

Coverage Type
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Coverage Amount
sort ascsort desc
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$25,000 per accident

Car insurance rates across Alabama cities

Car insurance premiums can vary significantly by city. In Alabama, Auburn, Decatur, and Dothan are some of the cheapest cities for car insurance. All three cities have average monthly premiums of $65 or less for minimum-coverage auto insurance.

The table below breaks down average premiums across various Alabama cities, according to Insurify data.

City
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Birmingham$117
Dothan$88
Enterprise$97
Huntsville$98
Madison$96
Mobile$111
Montgomery$112
Tuscaloosa$107
Disclaimer: Table data is based on real-time Alabama quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Alabama for drivers with a clean record: National General

For Alabama drivers with clean driving records, National General and Auto-Owners offer the lowest rates. Here’s a look at the full list of the cheapest insurers for good drivers in Alabama, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$40
Auto-Owners$48
USAA$48
State Farm$49
Progressive$52
COUNTRY Financial$52
Direct Auto$53
Allstate$53
Excepsure$58
AssuranceAmerica$59
Travelers$65
The General$65
First Acceptance$67
Trexis$67
Bristol West$72
GEICO$74
GAINSCO$79
Nationwide$80
Farmers$88
Hugo$91
Dairyland$97
Safeco$98
Root$101
Liberty Mutual$165
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Alabama for drivers with a speeding ticket: National General 

Getting cited for speeding in Alabama isn’t cheap. For example, if you get a speeding ticket in Mobile County for driving less than 25 mph over the speed limit, it’ll cost you $189.[2]

Alabama drivers with speeding tickets will likely find the cheapest insurance premiums with National General. See below for a full breakdown of the cheapest insurance companies for Alabama drivers with tickets, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$57
State Farm$67
USAA$67
Auto-Owners$68
Progressive$69
Direct Auto$73
Allstate$73
Excepsure$77
COUNTRY Financial$80
First Acceptance$90
AssuranceAmerica$90
Trexis$90
Travelers$93
The General$97
Bristol West$98
GEICO$101
GAINSCO$104
Nationwide$115
Farmers$124
Hugo$126
Safeco$128
Dairyland$136
Root$141
Liberty Mutual$210
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Alabama with an at-fault accident: National General

The total number of car accidents has decreased in Alabama, but an at-fault accident can still affect your car insurance.[3] Alabama drivers with an accident on their record pay a monthly average of $91 for liability insurance.

That said, some companies offer affordable rates even if you caused an accident. The table below shows the cheapest insurers for Alabama drivers with accidents, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$60
Auto-Owners$68
State Farm$69
USAA$69
Progressive$71
Allstate$74
Direct Auto$78
Excepsure$79
COUNTRY Financial$79
First Acceptance$92
AssuranceAmerica$92
Trexis$92
Travelers$95
The General$98
GEICO$99
Bristol West$101
GAINSCO$109
Nationwide$118
Hugo$118
Farmers$127
Safeco$134
Root$140
Dairyland$142
Liberty Mutual$217
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Alabama drivers with a DUI: National General

If you’re convicted of a DUI in Alabama, you can face jail time of up to one year and fines of up to $2,100 for a first offense.[4] You’ll also pay higher car insurance rates — an average of $93 per month for a liability policy.

That said, some insurers specialize in working with high-risk drivers, even people with DUIs. National General and Auto-Owners are two of the most affordable insurers for Alabama drivers with DUIs. 

The table below lists the cheapest insurers for Alabama drivers with DUIs, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$64
Auto-Owners$72
USAA$72
Progressive$73
State Farm$74
Allstate$78
COUNTRY Financial$78
Direct Auto$81
Excepsure$81
First Acceptance$95
Trexis$95
AssuranceAmerica$98
Travelers$99
The General$101
GEICO$107
Bristol West$108
GAINSCO$121
Nationwide$123
Farmers$135
Hugo$135
Safeco$144
Root$149
Dairyland$152
Liberty Mutual$230
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an SR-22 in Alabama: National General

If you’re a high-risk driver in Alabama, you may be required to keep an SR-22 certificate on file with the state for three years, proving you meet minimum insurance requirements.

High-risk drivers typically pay more for car insurance. For Alabama drivers who need an SR-22 certificate, National General and Auto-Owners offer the cheapest rates in Alabama. 

The table below lists the cheapest insurance companies for Alabama drivers with SR-22s, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$53
Auto-Owners$60
USAA$60
State Farm$62
Progressive$63
Allstate$65
Direct Auto$68
COUNTRY Financial$68
Excepsure$70
First Acceptance$82
AssuranceAmerica$82
Trexis$82
Travelers$83
The General$84
Bristol West$90
GEICO$90
GAINSCO$101
Nationwide$103
Farmers$113
Safeco$113
Hugo$113
Root$123
Dairyland$127
Liberty Mutual$192
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

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Cheapest car insurance for teen drivers in Alabama: National General

In Alabama, teens can get a learner’s permit at age 15 and a driver’s license at 16. Teen drivers usually pay the highest auto insurance rates of any age group.

Some insurers offer affordable rates for teens, though. National General has the lowest rates for young Alabama drivers.

The table below lists the cheapest car insurers for teen drivers in Alabama, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$96
COUNTRY Financial$97
USAA$100
State Farm$106
Progressive$107
Auto-Owners$108
Allstate$115
Direct Auto$116
Excepsure$119
The General$132
First Acceptance$139
Trexis$139
Bristol West$143
GEICO$144
AssuranceAmerica$150
Travelers$152
GAINSCO$164
Hugo$174
Nationwide$179
Root$190
Dairyland$192
Farmers$199
Safeco$201
Liberty Mutual$302
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Alabama for senior drivers: National General

Senior drivers tend to pay the lowest auto insurance rates. Older drivers typically have decades of experience and safer habits, making them less likely to file claims. National General offers the cheapest rates for seniors in Alabama, with rates of $36 per month for a liability policy.

The table below lists the cheapest insurers for Alabama seniors, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$36
Auto-Owners$41
State Farm$42
USAA$42
Allstate$45
COUNTRY Financial$46
Direct Auto$47
Progressive$47
Excepsure$53
AssuranceAmerica$55
Travelers$57
First Acceptance$61
GEICO$61
The General$61
Trexis$61
Bristol West$64
Nationwide$68
GAINSCO$73
Farmers$77
Hugo$83
Safeco$84
Root$88
Dairyland$92
Liberty Mutual$138
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Alabama car insurance quotes with bad credit: National General

Alabama allows insurers to use your credit history when pricing your car insurance policy. Drivers with poor credit usually pay more for car insurance because they’re more likely to file a claim. National General has the cheapest rates if you’re in Alabama and have less-than-perfect credit.

Below is a look at the cheapest car insurers for Alabama drivers with poor credit, according to Insurify data.

The below rates in Alabama are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$55
USAA$62
Progressive$66
Allstate$68
COUNTRY Financial$68
Direct Auto$70
Excepsure$74
State Farm$75
Auto-Owners$76
AssuranceAmerica$85
First Acceptance$86
Travelers$86
Trexis$86
The General$87
Bristol West$93
GEICO$93
GAINSCO$105
Nationwide$107
Farmers$117
Safeco$117
Hugo$117
Root$128
Dairyland$132
Liberty Mutual$194
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.

Save Money on Car Insurance in Alabama

Find liability coverage for as low as $45 per month

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Alabama car insurance FAQs

If you still have questions about car insurance in Alabama, we’re here to help. Below, we address some common issues from drivers about coverage in the Yellowhammer State.

  • What is the cheapest car insurance in Alabama?

    National General is the cheapest car insurance company in Alabama, with liability rates averaging $45 per month, according to Insurify data. But how much you pay for car insurance in Alabama depends on several factors, including your age, location in the state, and driving record.

  • How do you get car insurance when you’re poor?

    Even if money is tight, you can still find affordable car insurance in Alabama. Comparing quotes from multiple companies can help you find the lowest price for the coverage you need. You can also check if your insurer has any low-income programs or discounts that may lower your rate.

  • Why is Elephant insurance so cheap?

    Elephant insurance is cheap for a few reasons. Elephant is a direct-to-consumer insurance company, which allows it to skip paying agent commissions and pass some of the savings on to you. The company also has a variety of discounts, including multi-car and work-from-home discounts.

  • What can you do if you can’t afford car insurance?

    You have a few options if you can’t afford car insurance in Alabama. Consider lowering your coverage limits or raising your deductible to reduce your premium. You can also look for pay-per-mile or usage-based insurance programs that charge only for the miles you drive.

  • Can you go to jail in Alabama for no insurance?

    Yes. Driving without car insurance in Alabama is a misdemeanor. While you could spend time in jail for not having insurance, it’s more likely you’ll have to pay a fine, have your license suspended, or have your vehicle registration revoked.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Alabama Department of Insurance. "Automobile Insurance FAQs."
  2. Thirteenth Judicial Circuit Court of Alabama. "Traffic Court Costs."
  3. Alabama Department of Transportation. "Crash fatalities decline in Alabama in 2024."
  4. NOLO. "Alabama DUI Laws and Penalties."
Aly J. Yale
Written byAly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Aly J. Yale
Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
  • National Association of Real Estate Editors member

  • Bylines include Forbes, Bankrate, and CBS News

Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.

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Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.

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Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross
Matthew GrossEditor

Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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