Cheapest Car Insurance in Alabama

Here are the cheapest carriers 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 rates for the twenty most populous cities in Alabama.

Companies Quotes
State Farm

State Farm

$64 /mo
Allstate

Allstate

$83 /mo
GEICO

GEICO

$100 /mo
Travelers

Travelers

$106 /mo
Direct General

Direct General

$126 /mo

Best Car Insurance in Alabama

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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 carrier reviews. The following are the top rated carriers that offer car insurance in Alabama.

Companies Insurify
Composite Score
Quotes

American Family

92
$195 /mo

GEICO

89
$100 /mo

Allstate

88
$83 /mo

Nationwide

85
$138 /mo

State Farm

84
$64 /mo

Liberty Mutual

84
$154 /mo

Travelers

83
$106 /mo

Car Insurance in Alabama

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Alabama to find you the cheapest quotes in each of these metropolitan areas.

Alabama's most populous city is Birmingham, which sits at the intersection of four major interstate highways.

Alabama Driving Facts

Alabama's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#49
moving violations
States with Most
Moving Violations Rank
#33
popular car
State's
Most Popular Car
Nissan Altima
speeding violations
States with Most
Speeding Tickets Rank
#20
suspended licenses
States with Most
Suspended Licenses Rank
#36

Greenest Cities in Alabama

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Since 2008, the Green Resource Center of Alabama has released an annual Green Progress Report, which documents the development of green and environmental initiatives across the state. Recent moves made in Alabama include the expansion of UAB's Blazer Bike Shop, which serves and repairs bikes for the campus community and champions alternative modes of communication, and the opening of Kiwanis Centennial Park and Vulcan Trail in downtown Birmingham. As of yet, the state does not provide any green driving incentives for owners of alternative fuel vehicles or fuel-efficient cars.

green city award

Alexander City


most patriotic
% of Hybrids/Electrics 2%

Most Patriotic City

Phenix City

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Phenix City won Insurify's Most Patriotic Cities Award for the state of Alabama. The city is just a stone's throw away from the Fort Benning army base on the Alabama-Georgia border.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Alabama is vital for all car insurance shoppers hitting the road in The Yellowhammer State.

Road Rankings

2% Rural Roads in
Poor Condition

#26 Ranked

8% Structurally Deficient
Rural Bridges

#11 Ranked

1% Fatality Rate per 100M VMT
on Rural Roads

#16 Ranked