Cheapest Auto Insurance in Alabama (2024)

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

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Jacqueline DeMarco
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  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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  • 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 Friedlander
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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 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.

Updated June 12, 2024

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Cheapest recent rates in Alabama

Recent Alabama car insurance prices for Toyota, Chevrolet, Dodge , and more.

*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance in Alabama is significantly cheaper than national averages. Full-coverage auto insurance costs $161 per month, while liability averages $61 per month. By comparison, the national averages for full and liability-only coverage are $215 and $105 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
  • Auto-Owners, State Farm, and USAA offer the cheapest car insurance coverage in Alabama.

  • A full-coverage car insurance policy costs Alabama drivers $1,936 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 Auto3.6$141$58Seniors
National General3.4$123$54Teens
Hugo3.5$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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Find Car Insurance in Alabama

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.
3.6
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.
$58/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.
$141/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

Read our Direct Auto review
Roxanne - June 11, 2024
Verified

Always Friendly and Easy to Work With, Call Center is Awesome

Friendly and helpful.

Ermond - June 7, 2024
Verified

Direct Your Attention Elsewhere Auto

Shop elsewhere. They have high rates.

Kalom - June 7, 2024
Verified

Unexpected Vehicle Addition Part 3: The Series

They added a vehicle to my account that I had only called about for a quote. When I noticed this and provided proof that the car was not tagged, they offered me a refund amount that I never received. I spent hours dealing with their representatives who insisted that I had received the credit and it was reflected in my last payments. Strangely, my premium never changed from month to month the entire year. I find their practices questionable.

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.
3.4
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.
$54/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.
$123/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

Read our National General review
Yannika - June 3, 2024
Verified

Payment Increased Midway Through Policy

I was displeased when I was audited midway through my policy and my payment increased to three times what I was originally paying. I am not satisfied with this.

April - June 1, 2024
Verified

Got Cheaper Insurance

It's very upsetting that I was a loyal customer and they charged me $220 per month. I just got the same exact coverage for $75 per month. I highly do not recommend them.

Janice - May 31, 2024
Verified

Great Insurance Company

Good.

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.
3.5
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.
$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.
$61/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

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

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: Auto-Owners

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 Auto-Owners, 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.

10 cheapest insurers for liability-only

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.

Cheapest full-coverage car insurance in Alabama: Auto-Owners

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.

Auto-Owners 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.

10 cheapest insurers for full coverage

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.

Recent Insurify quotes for Alabama drivers

Drivers in and around Alabama have found policies from Auto-Owners, Acceptance, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Find Car Insurance in Alabama

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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: USAA

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 $61 per month to $97. 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyClean RecordWith Ticket
Auto-Owners3751
State Farm3751
USAA3751
Allstate4055
COUNTRY Financial4158
Travelers5171
National General5473
GEICO5576
Direct Auto5880
Nationwide6387
Progressive6792
Farmers6893
Safeco7199
AssuranceAmerica74104
Clearcover76106
Foremost86130
Midvale Home & Auto90128
Liberty Mutual106160
GAINSCO119180
Bristol West122167
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 $264 and $100 for liability coverage. The cheapest insurance company in Alabama for drivers with an accident is USAA, with monthly liability-rates averaging $53.

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: Saturday, June 1 at 12:00 PM PDT
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 CompanyClean RecordWith Accident
Auto-Owners3753
State Farm3753
USAA3753
Allstate4058
COUNTRY Financial4161
Travelers5174
National General5478
GEICO5579
Direct Auto5885
Nationwide6391
Progressive6798
Farmers6897
Safeco7199
AssuranceAmerica74107
Clearcover76116
Foremost86135
Midvale Home & Auto90137
Liberty Mutual106166
GAINSCO119166
Bristol West122173
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 $204 per month for car insurance. The cheapest insurer for drivers with a DUI in Alabama is USAA, with liability-only rates averaging $65 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyClean RecordWith DUI
Auto-Owners3765
State Farm3765
USAA3765
Allstate4071
COUNTRY Financial4172
Travelers5190
National General5495
GEICO5597
Direct Auto58102
Nationwide63111
Progressive67118
Farmers68120
Safeco71125
AssuranceAmerica74131
Clearcover76134
Foremost86152
Midvale Home & Auto90159
Liberty Mutual106187
GAINSCO119210
Bristol West122215
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: Auto-Owners

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 $116 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyFull CoverageLiability Only
State Farm5027
Auto-Owners5127
USAA5128
COUNTRY Financial5630
Allstate5630
Travelers6937
GEICO7741
Nationwide8244
Progressive8445
Safeco9154
National General9240
Farmers9349
AssuranceAmerica9552
Clearcover9657
Direct Auto10242
Midvale Home & Auto10864
Liberty Mutual13779
Foremost15463
GAINSCO18191
Bristol West21691
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 $61 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: Saturday, June 1 at 12:00 PM PDT
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 CompanyFull CoverageLiability Only
COUNTRY Financial11361
USAA11662
State Farm11863
Auto-Owners12064
Allstate13371
GEICO16488
Travelers17193
Nationwide204109
Farmers228121
Progressive230122
National General234103
AssuranceAmerica251139
Clearcover251149
Safeco252149
Direct Auto260107
Midvale Home & Auto267158
Liberty Mutual346198
Foremost380154
GAINSCO425215
Bristol West497210
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 $161 a month for full-coverage insurance and $61 a month for liability-only insurance.

  • Who has the cheapest car insurance in Alabama?

    Auto-Owners, State Farm, and USAA have the cheapest average liability rates in Alabama, according to Insurify data. Auto-Owners's liability rates start as low as $37 per month, while State Farm and USAA 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."
  2. III. "Auto insurance basics—understanding your coverage."
  3. III. "What determines the price of an auto insurance policy?."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. III. "Senior driving safety and insurance tips."
  6. Nolo. "Alabama Car Insurance Laws."
  7. Insurance Research Council. "One in Eight Drivers Uninsured."
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 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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