Cheapest Car Insurance Quotes in Alabama

Cheapest car insurance quotes in Alabama 

National General, USAA, and Progressive offer the cheapest car insurance for Alabama drivers.

The table below shows the cheapest companies for liability-only and full-coverage insurance in Alabama. These quotes represent drivers with a clean record and a good-to-excellent credit history.

The below rates in Alabama are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
National General	$40	$91
Auto-Owners	$44	$94
Progressive	$44	$102
State Farm	$44	$94
USAA	$44	$93
Allstate	$46	$99
Country Financial	$48	$104
Direct Auto	$51	$111
AssuranceAmerica	$56	$124
First Acceptance	$58	$177
Travelers	$60	$128
The General	$61	$144
GEICO	$65	$140
Trexis	$65	$158
Bristol West	$71	$174
GAINSCO	$71	$194
Farmers	$81	$173
Safeco	$86	$164
Dairyland	$92	$219
Root	$109	$179
Liberty Mutual	$123	$206

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.

Best-rated insurance companies in Alabama

Price isn’t the only factor you should consider when shopping for coverage. Below are our picks for the best car insurance in Alabama based on price, coverage options, and real user reviews.

Best for savings: National General

savings

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User Reviews	3.7 1,544 reviews
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.	7 /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.	$40/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.	$91/mo

Details

3.7

A solid option in AlabamaBased on 1,544 verified driver reviews and ratings

	National General's score	Industry average
Coverage options	3.4	3.2
Customer service	2.8	3.6
Discounts	3.0	2.9
Policy transparency	3.3	3.1
Value	3.0	2.9

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

Based on analysis of verified reviews collected by Insurify

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Best in Alabama for

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

Showing 3 reviews from Alabama drivers

Jennifer

Verified Review

Senior citizen rates too high

Reviewed in Alabama on July 3, 2026

Too expensive for a senior citizen who drives very little.

Cynthia

Verified Purchase

Great company

Reviewed in Alabama on March 3, 2026

Always professional.

Faye

Verified Review

Rate

Reviewed in Alabama on January 5, 2026

They have the cheapest rates around, and believe me, I've checked a lot of others.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

602

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.25

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

National General has some of the cheapest rates for both liability and full-coverage insurance in Alabama. It offers discounts for bundling, driving fewer miles, and being a safe driver. You can also save up to 10% by enrolling in DynamicDrive.

Pros

• Part of Allstate, one of Alabama’s largest insurers

• $500 credit for lodging, food, and travel after a covered claim

• Lifetime guarantees on repairs from approved repair shops

Cons

• Below-average J.D. Power customer satisfaction rating in the Southeast region

• Higher-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC) 

• Ranked last in J.D. Power Auto Claims Satisfaction Study

Best for customer service: USAA

customer service

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User Reviews	4.9 4,336 reviews
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.	$44/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

Details

4.9

Best choice in AlabamaBased on 4,336 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best in Alabama for

Members of the military community

Outstanding customer service

Competitive rates

Showing 8 reviews from Alabama driversSee all 1,704 USAA reviews

Ronald

Verified Review

You asked.

Reviewed in Alabama on August 26, 2026

Fortunately, I haven't had to use it, but so far it's affordable and hassle-free.

Linda

Verified Review

Excellent

Reviewed in Alabama on August 5, 2026

Great.

Juanita

Verified Review

I had problems with SafeDriving. I drove 3 miles to work and 3 miles back home without using my phone, but SafeDriving said I used my phone 28 times. And when I removed the app from my phone, it was still tracking me even though the SafeDriving app had been removed.

Reviewed in Alabama on July 21, 2026

I had problems with SafeDriving. I drove 3 miles to work and 3 miles back home without using my phone, but SafeDriving said I used my phone 28 times. And when I removed the app from my phone, it was still tracking me even though the SafeDriving app had been removed.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

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

Alabama is home to more than 55,000 military members and families.^[1] USAA has the highest customer satisfaction score in J.D. Power’s Auto Insurance Study for the Southeast region. USAA offers competitive rates for Alabama’s large military community.

Pros

• $101 million in direct premiums written in Alabama

• Discounts for low-mileage or safe driving

• AM Best financial strength rating of A++ (Superior)

Cons

• No physical locations in Alabama

• Military membership requirements

• Customer service not available on Sundays

Best for minimum coverage: State Farm

minimum coverage

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User Reviews	4.1 21,299 reviews
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.	$44/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

Details

4.1

Best choice in AlabamaBased on 21,299 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best in Alabama for

Customer service

Competitive rates

Discounts for safe drivers

Showing 47 reviews from Alabama driversSee all 8,158 State Farm reviews

Jim

Verified Review

Coverage. Lots of it.

Reviewed in Alabama on September 22, 2026

Get UM limits the same as your BI. Get enough PD to cover a $100k pickup truck. Get as much BI as they will sell you.

Jeremy

Verified Review

My Car Insurance Review Title

Reviewed in Alabama on August 27, 2026

It’s expensive.

Inita

Verified Review

Excellent

Reviewed in Alabama on August 25, 2026

I haven’t filed a claim in 26 years, but they took care of me when I did years ago.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

673

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 offers competitive rates for Alabama drivers who only need the state’s 25/50/25 minimum coverage. Its Steer Clear program and good student discount also help young Alabama drivers save on high premiums.

Pros

• Highest market share in Alabama

• Several agents available across Alabama

• Above-average J.D. Power customer satisfaction rating in the Southeast region

Cons

• Doesn’t offer accident forgiveness for dense metros like Birmingham

• Downgraded to A+ (Superior) AM Best financial strength rating in 2025

• Slightly higher-than-average number of complaints with the NAIC

How we chose the best companies

We evaluated insurers operating in Alabama using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Alabama drivers, including urban congestion, vehicle theft trends, and the availability of local agents throughout the state.

How much is car insurance in Alabama?

The average car insurance cost in Alabama is $66 per month for liability coverage and $141 for full coverage. Alabama’s rates are below the national average of $98 and $187, respectively. They’re also lower than in most neighboring states, including Mississippi, Florida, and Georgia.

Alabama’s car insurance costs may be cheaper because of its lower cost of living and shorter commute times than the national average, according to the U.S. Census Bureau.

The state also follows a contributory negligence rule, meaning you can’t recover anything after an accident if you were even slightly at fault.^[2] This system could reduce injury claim payouts and lower car insurance costs.

Find Cheap Car Insurance in Alabama

Liability quotes start at $40/mo.

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Average car insurance quotes in Alabama cities

Your rate in Alabama can vary by ZIP code. For example, rates in Montgomery run higher than in Dothan. Compare liability and full-coverage rates by Alabama city below.

The below rates in Alabama are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Decatur	$58	$123
Dothan	$60	$118
Enterprise	$61	$143
Oxford	$62	$131
Auburn	$64	$128
Daphne	$64	$152
Huntsville	$66	$135
Madison	$67	$132
Tuscaloosa	$67	$147
Mobile	$73	$162
Montgomery	$75	$159
Birmingham	$77	$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.

Birmingham and Mobile are the most expensive cities in Alabama, partly because their population densities are higher than the state average, according to the U.S. Census Bureau. See the five Alabama cities with the highest rates below.

The below rates in Alabama are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Madison	$67	$132
Tuscaloosa	$67	$147
Mobile	$73	$162
Montgomery	$75	$159
Birmingham	$77	$165

On-the-spot guidance from licensed insurance experts

Britney BalkLicensed P&C Agent and Customer Service Supervisor

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Qualifications:

• Licensed property and casualty insurance agent

• 14+ years insurance experience

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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.

Britney Balk's bio

Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

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Qualifications:

• Licensed property and casualty insurance agent

• 10+ years of insurance experience

---

Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.

Mallory Mooney's bio

Austin MoyersLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 13+ years of insurance experience

---

Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.

Austin Moyers' bio

Why you should compare car insurance quotes in Alabama

Each insurer uses its own rating process, so quotes can vary between companies, even for the same driver.

Insurers often weigh your location, age, driving record, and vehicle when deciding your premium.^[3] For example, coastal cities like Mobile tend to have higher rates than inland areas due to a higher chance of flooding and storm damage to your vehicle.

When shopping for auto insurance, these tips can help you get the most accurate quotes and find the best rate for your situation:^[4]

• Review your requirements. Before you get coverage, consider whether your lender requires you to have full coverage, if you need an SR-22 certificate, or if you only want temporary coverage, so you can more accurately choose companies to compare.

• Choose your coverage. Decide what coverages you want to buy before you start shopping so you can compare similar limits from multiple companies.

• Gather your information. Give every insurer the same information, including your vehicle details, the number of drivers in your household, and desired coverage limits.

• Ask your community. Ask your friends, family, and neighbors for insurance recommendations, including price, service, and claims satisfaction.

Alabama car insurance requirements

You must carry liability coverage with the following limits to meet Alabama’s minimum car insurance requirements:

• Bodily injury liability per person: $25,000

• Bodily injury liability per accident: $50,000

• Property damage liability: $25,000

Your policy must also include uninsured motorist coverage, though you can waive it in writing.

Alabama’s minimums are similar to those in many other states in the U.S. Alabama doesn’t require personal injury protection (PIP), but you can add optional medical payments (MedPay) coverage to pay for your and your passengers’ medical bills after an accident.^[5]

Agent Tip: Why you should purchase a full-coverage policy

“Alabama’s minimum level of coverage is going to be the cheapest option. But in an at-fault accident, it doesn’t cover any damage to your car, and you’ll be on the hook for any repairs or replacements. Consider full coverage if you can’t afford a large repair bill.”

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Anuj DesaiLicensed Property & Casualty Insurance Agent

Anuj Desai's bio

How to find the cheapest Alabama car insurance

Alabama car insurance costs less than the national average, but the following tips can help lower your premiums even further:

• Comparison shop. One of the most effective ways to save on car insurance is to compare auto insurance quotes. The Alabama Department of Insurance collects auto insurance premium data from companies to help you compare pricing.^[6]

• Drop comprehensive and collision coverage. If your vehicle is older, it might make sense to carry only liability insurance. Most lenders require collision and comprehensive coverage, though, so this strategy only works if you own your vehicle, like 67% of Alabama drivers.^[7]

• Bundle policies. More Alabamians own their homes than the national average, with 70% of homes owner-occupied, according to the U.S. Census Bureau. You can often save money by purchasing home insurance alongside your auto policy.

• Improve your credit. Alabama law allows insurers to consider your credit history when setting your rate.^[8] Improving your credit history could help lower your rate.

• Take a mature driver course. If you’re 55 or older, you can receive a discount for completing a defensive driving course in Alabama. You just need to present your certificate of completion to your insurer for a three-year premium reduction.^[9]

• Increase your deductible. You can often lower your premiums by choosing a higher deductible. It’s worth considering whether you can afford it if you file a claim.

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Full-coverage quotes in Alabama start at $91/mo.

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Find quotes for your driver profile

Alabama insurers may classify you as a high-risk driver if you’re a teen, have violations, or have a bad credit history. Find out how much you could pay based on your driver profile.

How car insurance costs have changed in Alabama

Alabama car insurance premiums started rising in early 2023 and continued to climb through the first half of 2025. Finally, rates began to come down in July 2025 as insurers cut rates to attract new customers.

Rates rose slightly in the first half of 2026, likely due to insurers raising rates in states with below-average insurance costs, per Insurify’s American Driver report. We project another small increase by year-end, bringing Alabama’s total change in insurance costs for 2026 to 1%.

Alabama car insurance FAQs