Cheapest Auto Insurance in Alabama (2024)

The cheapest car insurance company in Alabama is USAA, with monthly liability-rates averaging $37.

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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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.

Updated February 26, 2024 at 11:00 AM PST

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Car insurance in Alabama is significantly cheaper than national averages. Full-coverage auto insurance costs $169 per month, while liability averages $63 per month. By comparison, the national averages for full and liability-only coverage are $210 and $103 per month, according to Insurify data.

Alabama’s comparatively low population density of less than 100 people per square mile, and its mid-sized population, may contribute to the state’s lower car insurance costs. The number of older vehicles on the road in Alabama may also be a factor, as older cars typically cost less to insure.

Comparing rates from several different insurers is the best way to find a policy that meets your coverage needs and budget.

Quick Facts
  • USAA, State Farm, and Auto-Owners offer the cheapest car insurance coverage in Alabama.

  • A full-coverage car insurance policy costs Alabama drivers $2,027 per year, on average.

  • The minimum car insurance requirements in Alabama are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.

Cheapest car insurance companies in Alabama

Which auto insurance company is right for you will entirely depend on your own individual situation and needs. But to help you jumpstart your research, here are the top car insurance companies for Alabama drivers.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Direct Auto3.3$134$60Seniors
National General3.1$128$55Teens
Hugo3.3$67$48Short-term car insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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Rates start as low as $37 per month for liability coverage

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Cheapest insurance for seniors: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$60/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.
$134/mo

For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. The company also provides standard coverage policies. Today, Direct Auto sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct Auto operates in just 16 states. The company has an A+ rating from AM Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.


Pros
  • Drivers 55 and older can qualify for a senior citizen discount by completing an accident-prevention course

  • Homeowner discounts, multi-policy discounts, and multi-car discounts available

  • Roadside assistance and emergency protection plans available

Cons
  • Not all products and discounts available in all states

  • Many negative customer reviews and complaints

  • May not be the best option for drivers with clean records

Great prices.

Daqwanta - December 1, 2023
Verified

Expensive.

Neil - November 29, 2023
Verified

I've never had a problem so far, and I think I'll do a great job.

Fred - November 11, 2023
Verified
Read our Direct Auto review

Cheapest insurance for teens: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$55/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.
$128/mo

In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons
  • Numerous online complaints

  • Quotes may be higher than some competitors

Low prices.

Chad - November 18, 2023
Verified

Horrible service and does not appreciate customer loyalty.

Tiffany - October 31, 2023
Verified

Good insurance. Always on time.

Silvio A - October 16, 2023
Verified
Read our National General review

Cheapest for short-term car insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
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).
NR
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.
$48/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.
$55/mo

With zero down payments, hidden fees, and the ability to start with as little as three days of coverage, Hugo provides flexibility and affordability for drivers seeking short-term coverage. The insurer’s excellent Trustpilot ratings reflect its commitment to making insurance accessible and tailored to each person's needs.

Pros
  • Short-term coverage available

  • High Trustpilot rating

Cons
  • No mobile app available

  • No discounts advertised

Can’t get anyone to help me with my issues.

Melissa - October 24, 2023
Verified

Excellent price.

Ingrid - October 11, 2023
Verified

They have been honest.

Jason - September 24, 2023
Verified
Read our Hugo review

How to get the cheapest car insurance in Alabama

Many factors influence how much you pay for car insurance coverage in Alabama. Curious about how to snag affordable car insurance rates in Alabama? Consider these insights:

  • A clean driving record is key — avoid accidents and traffic violations to show insurance companies you aren’t likely to file claims.

  • Assess whether higher collision and comprehensive deductibles suit your financial situation, as a higher deductible leads to lower premiums.

  • Maximize savings by bundling multiple policies (like home or life insurance) with a single insurer.

  • Inquire about discounts tied to safety features, like anti-theft devices or airbags.

  • Shop around and compare quotes from different insurers to see which company can offer you the amount of coverage you need for the best price.

Cheapest liability-only car insurance in Alabama: USAA

In car insurance, liability-only coverage ensures protection against liability for injuries and damages you cause to others and excludes coverage for your own vehicle and injuries.

This type of insurance typically includes bodily injury liability, covering medical expenses and legal fees resulting from injuries to others, and property damage liability, which handles repairs or replacement of damaged property.

The cheapest liability-only car insurance company in Alabama is USAA, with an average monthly cost of $37.

If you’re interested in finding the insurance companies offering the cheapest average liability insurance policies in Alabama, here are top insurers in the state.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly QuoteIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
USAA374.5
State Farm374.5
Auto-Owners374.0
Allstate404.2
COUNTRY Financial414.2
Travelers514.3
GEICO554.2
National General553.1
Direct Auto603.3
Nationwide634.3
State Auto634.0
Progressive673.9
Farmers683.8
AssuranceAmerica692.2
Clearcover703.2
Safeco703.8
Foremost733.5
Midvale Home & Auto903.7
Liberty Mutual973.8
Bristol West1232.2
GAINSCO1383.3
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Alabama: USAA

Liability-only insurance covers damages and injuries caused to others, whereas full-coverage insurance includes additional protection for your vehicle. Full-coverage insurance includes collision and comprehensive coverage, which covers repairs, theft, and non-collision incidents. Full-coverage car insurance is particularly beneficial for drivers with newer or higher-value vehicles.

USAA offers the cheapest full-coverage insurance in Alabama, with rates averaging $69 per month.

Here are the companies with the cheapest average full-coverage policies in Alabama.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
USAA69
Auto-Owners69
State Farm70
Allstate75
COUNTRY Financial77
GEICO103
Travelers110
Clearcover116
Nationwide118
AssuranceAmerica125
Progressive126
Safeco128
Farmers128
National General128
Direct Auto134
Midvale Home & Auto156
State Auto159
Liberty Mutual183
Foremost192
GAINSCO225
Bristol West284
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Alabama

In Alabama, drivers must meet 25/50/25 minimum-coverage requirements.[1] Here’s how that coverage breaks down:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability per person

    $25,000

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Bodily injury liability per accident

    $50,000

  • illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

    Property damage liability per accident

    $25,000

Examples of optional coverage you can buy generally include:[2]

  • Collision coverage: This reimburses you for car damage from collisions when you’re at fault, excluding mechanical failure and wear and tear. This coverage includes collisions with other vehicles, or with objects like trees, fences, and light poles. It also covers rollover accidents.

  • Comprehensive coverage: This protects against theft and non-collision incidents like fire, flood, vandalism, hail, and falling objects.

  • Glass coverage: This includes no-deductible windshield coverage, plus side windows, rear windows, and glass sunroofs.

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Cheapest car insurance for drivers with an incident

Some driving infractions can increase your insurance premiums due to causing concern that you’re more likely to file an auto insurance claim. These incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]

For example, drivers in Alabama with Safeco insurance spend an average of $94 per month on their policy if they have a clean record, but they spend $187 if they experience a DUI.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets can cause a significant rise in car insurance costs. Insurance companies consider drivers with speeding violations as higher-risk and more likely to be involved in accidents. As a result, insurance premiums tend to increase for drivers with a speeding ticket on their record.[3]

A speeding ticket in Alabama can raise liability rates, on average, from $63 per month to $98. The table below shows the monthly liability rates of the cheapest insurance companies in Alabama for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean RecordWith Ticket
USAA3750
State Farm3749
Auto-Owners3751
Allstate4054
COUNTRY Financial4156
Travelers5170
GEICO5574
National General5575
Direct Auto6084
Nationwide6386
State Auto6391
Progressive6794
Farmers6892
AssuranceAmerica69100
Clearcover70101
Safeco70102
Liberty Mutual97140
Bristol West123169
GAINSCO138182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

Having at-fault accidents on your record can significantly affect your premiums. Insurance companies view these accidents as a potential risk for future claims, which leads to increased rates.[3] If you have an at-fault accident on your driving record, it’s crucial to carefully consider your insurance options. Some companies offer accident forgiveness coverage, which can keep your premiums stable after your first at-fault accident.

Drivers with at-fault accidents in Alabama face average full-coverage rates of $270 and $101 for liability coverage. The cheapest insurance company in Alabama for drivers with an accident is USAA, with monthly liability-rates averaging $52.

The following table outlines the cheapest liability auto insurance companies for drivers with at-fault accidents on their driving record in Alabama.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean RecordWith Accident
USAA3752
State Farm3752
Auto-Owners3753
Allstate4057
COUNTRY Financial4160
Travelers5173
GEICO5578
National General5579
Direct Auto6089
Nationwide6390
State Auto6397
Progressive6799
Farmers6896
AssuranceAmerica69103
Clearcover70121
Safeco70108
Liberty Mutual97147
Bristol West123173
GAINSCO138192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

DUIs can significantly affect your car insurance expenses due to the increased risk they represent to insurance companies. If you have a DUI on your record, anticipate a substantial rise in your insurance premiums or even for your company to not renew your policy.[4]

Alabama drivers with a DUI on their motor vehicle records pay an overall average of $209 per month for car insurance. The cheapest insurer for drivers with a DUI in Alabama is USAA, with liability-only rates averaging $62 per month.

To find the most affordable insurance companies for drivers with a DUI in Alabama, take advantage of the table below, which outlines the average cheapest options for liability coverage.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean RecordWith DUI
USAA3762
State Farm3762
Auto-Owners3762
Allstate4067
COUNTRY Financial4169
Travelers5185
GEICO5592
National General5592
Direct Auto6091
Nationwide63106
State Auto63106
Progressive67112
Farmers68114
AssuranceAmerica69116
Clearcover70117
Safeco70117
Foremost73122
Liberty Mutual97162
Bristol West123206
GAINSCO138231
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Car insurance rates typically decline around age 25 as drivers gain more experience and become less prone to accidents. However, insurance premiums may start to increase around age 70 due to factors that can lead to a higher risk of accidents, such as decreased vision, reaction time, and overall physical capabilities.[5]

On average, car insurance for seniors costs $118 per month for full coverage and $44 for a liability-only policy. If you’re a senior driver in Alabama looking for the cheapest car insurance companies, check out the following table showing average monthly rates from top insurers.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm5026
Auto-Owners5027
USAA5127
Allstate5630
COUNTRY Financial5831
GEICO7540
Travelers8037
Nationwide8244
Progressive8344
AssuranceAmerica8949
Farmers9349
Direct Auto9543
National General9943
Safeco10155
Clearcover10262
Liberty Mutual13873
GAINSCO169104
Bristol West21191
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: COUNTRY Financial

Car insurance rates for young drivers are generally higher compared to adults due to their lack of driving experience and higher accident risk.[3] As a teen, you can still find ways to get cheaper car insurance.

Remaining on your parents’ insurance policy can often result in more affordable rates. And if you’re a minor, you won’t be able to buy your own policy without written consent from a parent or guardian. Choosing a safe car with highly rated safety features can also help lower insurance costs. Additionally, maintaining good academic performance may make you eligible for a good student discount. If you attend college a certain distance away from home, you may also qualify for a student-away-at-school discount.

The overall monthly average cost of car insurance for teens in Alabama is $222. And the cheapest insurer for teen drivers in Alabama is COUNTRY Financial, with monthly rates averaging $60 for liability-only coverage.

To find the cheapest insurance companies for teen drivers in Alabama, refer to the table below, which highlights the average monthly rates of the cheapest options.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
COUNTRY Financial11360
USAA11763
Auto-Owners11863
State Farm12365
Allstate13572
GEICO16789
Travelers20394
Nationwide207110
Clearcover213128
Farmers228121
Progressive231123
Safeco235128
AssuranceAmerica242133
National General249107
Direct Auto250112
State Auto292116
Liberty Mutual319169
Foremost352134
GAINSCO416255
Bristol West484210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Learn More: The Guide to Car Insurance Discounts

Learn More: The Guide to Car Insurance Discounts

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Alabama car insurance quotes by credit tier

In Alabama, car insurance companies can factor in credit history when determining premiums. Excellent or good credit scores typically lead to lower rates, whereas poor credit scores may result in higher insurance costs. Why do Alabama insurance companies take credit history into account?

“Each insurer creates its own proprietary credit-based insurance score which incorporates elements of a consumer’s credit history. Actuarial studies show that how a person manages their financial affairs is a good predictor of insurance claims,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Statistically, people with a low insurance score are more likely to file a claim.”

The chart below shows how credit scores influence average monthly insurance quotes in Alabama. 

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Alabama car insurance FAQs

If you’re looking for affordable car insurance in Alabama, this additional information may help. You can also check out Insurify’s guides on how to lower your car insurance premiums for more information on finding the cheapest insurance.

  • How much is car insurance in Alabama?

    Car insurance in Alabama costs an average of $169 a month for full-coverage insurance and $63 a month for liability-only insurance.

  • Who has the cheapest car insurance in Alabama?

    USAA, State Farm, and Auto-Owners have the cheapest average liability rates in Alabama, according to Insurify data. USAA's liability rates start as low as $37 per month, while State Farm and Auto-Owners offer rates as low as $37 and $37, respectively.

    Even though these are the cheapest car insurance companies in the state, you should still compare quotes from multiple companies to see which one offers the best price for the coverage you need.

  • What are the best car insurance companies in Alabama?

    USAA, State Farm, and Auto-Owners are Insurify’s picks for best car insurance companies in Alabama. These insurers have high IQ Scores, above-average J.D. Power ratings, and affordable average rates.

  • Is Alabama a no-fault state?

    No. Alabama is an at-fault state. Drivers who cause accidents, or carry the majority of the fault for an accident, are responsible for compensating other parties for injuries and property damage.[6]

  • Does Alabama require uninsured/underinsured motorist coverage?

    Alabama requires insurance companies to include uninsured/underinsured motorist coverage in every policy they sell in the state. But drivers can opt out of it by rejecting it in writing.

    However, it's a good idea to have UI/UIM coverage, which can help pay for your damages and medical costs if someone driving without insurance, or too little insurance, causes an accident. It can also pay for costs associated with a hit-and-run accident.

  • How many Alabama drivers are uninsured?

    In Alabama, 19.5% of drivers are uninsured, according to the most recent data in a 2021 Insurance Research Council report.[7]

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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." Accessed June 9, 2023
  2. III. "Auto insurance basics—understanding your coverage." Accessed June 9, 2023
  3. III. "What determines the price of an auto insurance policy?." Accessed June 9, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed June 9, 2023
  5. III. "Senior driving safety and insurance tips." Accessed June 9, 2023
  6. Nolo. "Alabama Car Insurance Laws." Accessed June 9, 2023
  7. Insurance Research Council. "One in Eight Drivers Uninsured." Accessed June 9, 2023
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, 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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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