Cheap Auto Insurance Quotes in Alabama (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$99
$100
$114
$126
$198
$210
$216
State FarmAllstateGEICOTravelersThe GeneralDirect AutoAmerican Family
Monthly $
CityCheapest Carrier
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

Cheapest Liability Auto Insurance in Alabama

For drivers in Alabama, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Alabama. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Alabama.

Cheapest Full Coverage Auto Insurance in Alabama

For drivers in Alabama, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Alabama. The following are the best insurance rates from carriers that offer full coverage auto insurance in Alabama.

Alabama Driving Facts

alabama

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

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 Company
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 Company
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 Company
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 Company
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 Company
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

Insurify Insights: How Alabama Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Alabama drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Alabama

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Alabama drivers rank 24 in the number of car accidents per driver.

  • Rank of States: #24
  • Percent of drivers in Alabama with an accident: 10.31%
  • Drivers in AL with an accident in their driving history paid on average 54.05% more than drivers with a clean record

Speeding Alabama

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Alabama drivers rank 20 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #20
  • Percent of drivers in Alabama with a speeding ticket: 10.86%
  • Drivers in AL with a speeding ticket in their driving history paid on average 47.97% more than drivers with a clean record

DUI/DWIs Alabama

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Alabama drivers rank 48 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #48
  • Percent of drivers in Alabama with a DUI: 1.11%
  • Drivers in AL with a DUI in their driving history paid on average 15.54% more than drivers with a clean record

Most Popular Vehicle Alabama

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Alabama is the Nissan Altima.

Rude Alabama

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Alabama drivers rank 37 in rude driving infractions.

  • Rank of States: #37
  • Percent of drivers in Alabama with a reckless driving violation: 1.61%
  • Drivers in AL with a reckless driving violation in their driving history paid on average 43.92% more than drivers with a clean record.

Safest Drivers Alabama

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Alabama drivers rank 25 in clean driving records across all fifty states.

  • Rank of States: #25
  • Percent of drivers in Alabama with clean record: 80.39%

Street Racing Alabama

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Alabama drivers rank 20 in street racing violations per driver.

  • Rank of States: #20
  • Percent of drivers in Alabama with a street racing violation: 0.01%

Failure to Yield the Right of Way Alabama

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Alabama drivers rank 49 in failure to yield violations per driver across all fifty states.

  • Rank of States: #49
  • Percent of drivers in Alabama with a failure to yield violation: 0.19%
  • Drivers in AL with a failure to yield violation in their driving history paid on average 49.32% more than drivers with a clean record

Reckless Drivers Alabama

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Alabama drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank of States: #33
  • Percent of drivers in Alabama with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership Alabama

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Alabama drivers rank 30 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #30
  • Percent of drivers in Alabama with a hybrid/electric vehicle: 0.73%

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

Trussville

Greenes Cities
% of Hybrids / Electrics
2%
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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.