Cheap Auto Insurance Quotes in Alabama (2021)

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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.

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 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.

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. For the complete list, see Insurify's best car insurance companies.

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.

CityCheapest CarrierQuote
State FarmState Farm
$99/mo
State FarmState Farm
$80/mo
State FarmState Farm
$89/mo
State FarmState Farm
$89/mo
State FarmState Farm
$77/mo
State FarmState Farm
$78/mo
State FarmState Farm
$72/mo
State FarmState Farm
$73/mo
State FarmState Farm
$64/mo
State FarmState Farm
$67/mo
AllstateAllstate
$84/mo
AllstateAllstate
$88/mo
State FarmState Farm
$74/mo
State FarmState Farm
$77/mo
State FarmState Farm
$70/mo
AllstateAllstate
$84/mo
State FarmState Farm
$88/mo

Alabama Driving Facts

Minimum Car Insurance Requirements in AL

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
alabama

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. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Alabama drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Alabama, at $64 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
State Farm
$64/mo
Allstate
$83/mo
GEICO
$100/mo
Travelers
$106/mo
Direct Auto
$126/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuotes
USAA
$30/mo
Auto Owners
$53/mo
Safeway
$57/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
Auto Owners
$32/mo
USAA
$37/mo
Allstate
$44/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
USAA
$30/mo
Auto Owners
$33/mo
Allstate
$37/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Alabama, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $23 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Alabama 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Alabamians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuotes
USAA
$23/mo
Auto Owners
$24/mo
Allstate
$25/mo
Travelers
$29/mo
COUNTRY Financial
$30/mo

SR‌-22 Insurance in Alabama

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Alabama on your behalf.

AL 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

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.

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.

Greenes Cities

Selma

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Montgomery

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 with cars illustration

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


FAQs - Alabama Car Insurance

How do I get the cheapest car insurance in Alabama?

That’s the million-dollar question. The cheapest car insurance for any driver is dependent on their driving history, location, and discount eligibility. For example, some employees receive discounted auto insurance from a specific company. Working with that company will be less expensive for them than it would for others. So the best way to get cheap car insurance is to do your due diligence: comparison shop. Luckily, this task is made easy with a tool like Insurify, which compiles real auto insurance quotes from six or more insurance companies in only two minutes. As an added advantage, you can set an alert to receive an email any time Insurify detects a lower rate for you.

How do college students get the best rate on car insurance?

There are many ways to lower your costs as a college student. Discount programs made for students have been around for decades, so be sure to ask your agent if a student program is available to you. While you’re at it, inquire into all discount programs you might be eligible for. Don’t forget that maintaining good credit also keeps costs down. Other options include using a vehicle with lower operating and insurance costs. If you have a close friend you feel comfortable sharing your car with, you might consider adding your friend to your policy (usually for only a few dollars more) and splitting the costs 50/50.

Is electronic or digital proof of insurance valid in Alabama?

Yes, drivers may use digital insurance cards. However, it’s a smart idea to keep a hard copy in your glove box in case something happens to your cell phone. On the other hand, the officer may accidentally drop or otherwise damage your cell phone. As of this writing, there is no rule or law that explicitly protects your property in this instance, making it next to impossible to receive compensation.