120+ more*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on April 7, 2026. 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 April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Alabama has relatively cheap car insurance rates, with an average monthly premium of $136 for full coverage and $67 for liability-only insurance. Compare that to the national averages of $183 per month for full coverage and $97 per month for liability coverage.
We analyzed average rates for 120+ auto insurance companies in Alabama to help you find the most affordable coverage. Use the information in the table below to determine which insurer is best for your coverage needs and budget.
Driver Category  | Cheapest Insurance Company in Alabama | Cheapest Monthly Quote in AL |
|---|---|---|
| Overall | National General | $45 |
| State-minimum liability coverage | National General | $45 |
| Full coverage | USAA | $98 |
| Drivers with a clean record | National General | $45 |
| After a speeding ticket | National General | $58 |
| After an at-fault accident | National General | $61 |
| After a DUI | National General | $65 |
| Teen/new drivers | National General | $94 |
| Seniors | National General | $36 |
| Bad credit | National General | $55 |
Opting for liability-only coverage can help you minimize your car insurance costs. On average, you’ll pay about $67 per month for liability-only insurance in Alabama. But many insurance companies offer cheaper premiums.
National General, Auto-Owners, and USAA currently offer the cheapest liability coverage in Alabama. See below for more info on these and other cheap liability-only insurance options in Alabama, according to Insurify data.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $45 |
| Auto-Owners | $48 |
| State Farm | $48 |
| USAA | $48 |
| Allstate | $52 |
| COUNTRY Financial | $53 |
| Progressive | $55 |
| Direct Auto | $56 |
| Excepsure | $59 |
| Travelers | $65 |
| First Acceptance | $66 |
| The General | $66 |
| AssuranceAmerica | $67 |
| Trexis | $69 |
| GEICO | $71 |
| Bristol West | $77 |
| Nationwide | $81 |
| GAINSCO | $82 |
| Farmers | $88 |
| Hugo | $93 |
| Safeco | $95 |
| Dairyland | $105 |
| Insurify Car | $108 |
| Root | $108 |
| Liberty Mutual | $143 |
| Liberty Mutual | $143 |
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Austin Moyers
Sales Manager, Insurify
Liability-only coverage meets Alabama’s minimum coverage requirements, but it often isn’t enough if you cause a serious accident. Repair costs, medical bills, or lawsuits can easily exceed minimum limits, and you’d have to pay the difference out of pocket. Full coverage costs a bit more but gives you better protection when you need it most.
For the most protection in Alabama, consider a full-coverage policy. Full coverage typically includes liability, collision, and comprehensive coverages. In Alabama, full coverage averages $136 per month. But some insurers offer lower premiums.
The chart below details the cheapest full-coverage car insurance options in Alabama, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $98 |
| USAA | $98 |
| Auto-Owners | $99 |
| State Farm | $99 |
| Allstate | $107 |
| COUNTRY Financial | $109 |
| Direct Auto | $113 |
| Progressive | $119 |
| Travelers | $135 |
| AssuranceAmerica | $140 |
| GEICO | $147 |
| The General | $148 |
| Root | $166 |
| Safeco | $167 |
| Nationwide | $168 |
| Trexis | $168 |
| Farmers | $182 |
| First Acceptance | $184 |
| Bristol West | $187 |
| GAINSCO | $208 |
| Liberty Mutual | $214 |
| Liberty Mutual | $214 |
| Dairyland | $262 |
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on April 7, 2026. 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 April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car is a great option for Alabama drivers who need short-term or flexible car insurance.
With Insurify Car, you can get weekly car insurance coverage that meets Alabama’s state-required minimums for as little as $23 per week. You can get coverage online in minutes, and you can cancel at any time.
Insurify Car is best for people who don’t drive often or who need immediate coverage with a small initial payment.
Alabama already has cheap auto insurance compared to most states, but some insurers offer lower rates than others. Here are some of the best car insurance companies in Alabama if you’re looking for affordable coverage.
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $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. | $99/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
If you have an average credit history, Auto-Owners is a good choice for car insurance coverage. The company offers cheap premiums for Alabama drivers with average credit. It also has a variety of coverage options and discounts.
But Auto-Owners may not be the best choice if you value online convenience. You have to get a quote through an agent, and the company’s mobile apps have mixed ratings.
Low rates for drivers with average credit
Many available coverage options
Many available car insurance discounts
Must work with an agent for a quote
Mobile apps have mixed ratings
Low Trustpilot rating
| User Reviews | 4.0 |
|---|---|
| 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. | $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. | $99/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm is an excellent insurer if you drive for Uber or Lyft. The company offers some of the most affordable rates for Alabama rideshare drivers. It also has a variety of discounts to help you save even more.
But you may want to explore other options if you finance your car, as State Farm doesn’t offer gap insurance.
Low rates for rideshare drivers
Many car insurance discounts
Highly rated mobile apps
Gap insurance not available
Fewer add-ons than competitors
Low Trustpilot ratings
| User Reviews | 4.9 |
|---|---|
| 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. | $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. | $98/mo |
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 |
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.
USAA has the cheapest Alabama car insurance across many categories. But USAA offers coverage only to Alabama military members, veterans, certain government workers, and their families. Qualifying drivers can find significant savings, though. USAA’s liability rates are less than the state average.
If you want in-person service, USAA may not be right for you. The insurer doesn’t have any physical branches in Alabama.
Low premiums for many drivers
Many car insurance discounts
Highly rated mobile apps
Available only to military members and their families
No physical locations in Alabama
Low Trustpilot rating
While car insurance costs are decreasing in many U.S. states, Alabama’s premiums are likely to rise by 1% by the end of the year. Our analysts predict average annual premiums will cost about $1,670 in 2026, up from $1,652 in 2025.
Car insurance costs are always in flux. As market conditions, local risks, and other factors shift, so do premiums. The graph below shows how Alabama’s car insurance rates have trended over the last five years.
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Alabama | 1,352 | 1,336 | 1,323 | 1,322 | 1,321 | 1,320 | 1,320 | 1,320 | 1,320 | 1,319 | 1,307 | 1,307 | 1,304 | 1,302 | 1,301 | 1,299 | 1,302 | 1,307 | 1,307 | 1,305 | 1,299 | 1,303 | 1,319 | 1,328 | 1,350 | 1,367 | 1,400 | 1,438 | 1,466 | 1,491 | 1,515 | 1,543 | 1,567 | 1,574 | 1,605 | 1,638 | 1,657 | 1,702 | 1,740 | 1,778 | 1,807 | 1,818 | 1,772 | 1,743 | 1,733 | 1,733 | 1,729 | 1,718 | 1,713 | 1,746 | 1,743 | 1,740 | 1,716 | 1,695 | 1,694 | 1,689 | 1,697 | 1,699 | 1,692 | 1,683 | 1,693 |
Compare quotes starting at $45 per month
Like most U.S. states, Alabama requires you to have a minimum amount of liability insurance to legally drive.
Drivers in Alabama must have at least the following amounts of bodily injury liability and property damage liability:[1]
Coverage Type | Coverage Amount |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
Car insurance premiums can vary significantly by city. In Alabama, Auburn, Decatur, and Dothan are some of the cheapest cities for car insurance. All three cities have average monthly premiums of $65 or less for minimum-coverage auto insurance.
The table below breaks down average premiums across various Alabama cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Birmingham | $121 |
| Dothan | $92 |
| Enterprise | $96 |
| Huntsville | $100 |
| Madison | $96 |
| Mobile | $116 |
| Montgomery | $116 |
| Tuscaloosa | $107 |
For Alabama drivers with clean driving records, National General and Auto-Owners offer the lowest rates. Here’s a look at the full list of the cheapest insurers for good drivers in Alabama, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $41 |
| Auto-Owners | $46 |
| State Farm | $46 |
| USAA | $46 |
| COUNTRY Financial | $50 |
| Allstate | $52 |
| Direct Auto | $53 |
| Progressive | $56 |
| AssuranceAmerica | $59 |
| Excepsure | $60 |
| Travelers | $62 |
| The General | $62 |
| First Acceptance | $67 |
| GEICO | $69 |
| Trexis | $70 |
| Bristol West | $75 |
| Nationwide | $76 |
| GAINSCO | $77 |
| Farmers | $84 |
| Hugo | $93 |
| Dairyland | $99 |
| Safeco | $100 |
| Root | $108 |
| Insurify Car | $110 |
| Liberty Mutual | $148 |
| Liberty Mutual | $148 |
Getting cited for speeding in Alabama isn’t cheap. For example, if you get a speeding ticket in Mobile County for driving less than 25 mph over the speed limit, it’ll cost you $189.[2]
Alabama drivers with speeding tickets will likely find the cheapest insurance premiums with National General. See below for a full breakdown of the cheapest insurance companies for Alabama drivers with tickets, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $58 |
| State Farm | $63 |
| USAA | $64 |
| Auto-Owners | $64 |
| Allstate | $70 |
| Direct Auto | $73 |
| Progressive | $73 |
| COUNTRY Financial | $74 |
| Excepsure | $78 |
| Travelers | $87 |
| First Acceptance | $88 |
| AssuranceAmerica | $88 |
| The General | $91 |
| Trexis | $92 |
| GEICO | $96 |
| Bristol West | $100 |
| GAINSCO | $101 |
| Nationwide | $108 |
| Farmers | $116 |
| Hugo | $122 |
| Safeco | $128 |
| Dairyland | $134 |
| Insurify Car | $143 |
| Root | $148 |
| Liberty Mutual | $187 |
| Liberty Mutual | $187 |
The total number of car accidents has decreased in Alabama, but an at-fault accident can still affect your car insurance.[3] Alabama drivers with an accident on their record pay a monthly average of $92 for liability insurance.
That said, some companies offer affordable rates even if you caused an accident. The table below shows the cheapest insurers for Alabama drivers with accidents, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $61 |
| Auto-Owners | $65 |
| State Farm | $65 |
| USAA | $66 |
| Allstate | $71 |
| COUNTRY Financial | $74 |
| Progressive | $75 |
| Direct Auto | $78 |
| Excepsure | $81 |
| Travelers | $89 |
| First Acceptance | $90 |
| AssuranceAmerica | $90 |
| The General | $92 |
| Trexis | $94 |
| GEICO | $95 |
| Bristol West | $103 |
| GAINSCO | $107 |
| Nationwide | $111 |
| Farmers | $120 |
| Hugo | $126 |
| Safeco | $135 |
| Dairyland | $141 |
| Root | $147 |
| Insurify Car | $148 |
| Liberty Mutual | $193 |
| Liberty Mutual | $193 |
If you’re convicted of a DUI in Alabama, you can face jail time of up to one year and fines of up to $2,100 for a first offense.[4] You’ll also pay higher car insurance rates — an average of $97 per month for a liability policy.
That said, some insurers specialize in working with high-risk drivers, even people with DUIs. National General and Auto-Owners are two of the most affordable insurers for Alabama drivers with DUIs.
The table below lists the cheapest insurers for Alabama drivers with DUIs, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $65 |
| Auto-Owners | $69 |
| State Farm | $69 |
| USAA | $69 |
| COUNTRY Financial | $75 |
| Allstate | $75 |
| Progressive | $79 |
| Direct Auto | $81 |
| Excepsure | $85 |
| The General | $92 |
| Travelers | $94 |
| First Acceptance | $95 |
| AssuranceAmerica | $97 |
| Trexis | $100 |
| GEICO | $102 |
| Bristol West | $111 |
| Nationwide | $117 |
| GAINSCO | $118 |
| Farmers | $127 |
| Hugo | $134 |
| Safeco | $145 |
| Dairyland | $152 |
| Insurify Car | $156 |
| Root | $157 |
| Liberty Mutual | $206 |
| Liberty Mutual | $206 |
If you’re a high-risk driver in Alabama, you may be required to keep an SR-22 certificate on file with the state for three years, proving you meet minimum insurance requirements.
High-risk drivers typically pay more for car insurance. For Alabama drivers who need an SR-22 certificate, National General and Auto-Owners offer the cheapest rates in Alabama.
The table below lists the cheapest insurance companies for Alabama drivers with SR-22s, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $57 |
| Auto-Owners | $61 |
| State Farm | $61 |
| USAA | $61 |
| Allstate | $66 |
| COUNTRY Financial | $68 |
| Progressive | $70 |
| Direct Auto | $71 |
| Excepsure | $75 |
| Travelers | $83 |
| First Acceptance | $84 |
| The General | $84 |
| AssuranceAmerica | $85 |
| Trexis | $88 |
| GEICO | $90 |
| Bristol West | $98 |
| Nationwide | $103 |
| GAINSCO | $104 |
| Farmers | $112 |
| Hugo | $118 |
| Safeco | $121 |
| Dairyland | $134 |
| Insurify Car | $138 |
| Root | $138 |
| Liberty Mutual | $182 |
| Liberty Mutual | $182 |
Check rates from top insurers in the Yellowhammer State
In Alabama, teens can get a learner’s permit at age 15 and a driver’s license at 16. Teen drivers usually pay the highest auto insurance rates of any age group.
Some insurers offer affordable rates for teens, though. National General has the lowest rates for young Alabama drivers.
The table below lists the cheapest car insurers for teen drivers in Alabama, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $90 |
| USAA | $93 |
| National General | $94 |
| State Farm | $97 |
| Auto-Owners | $102 |
| Allstate | $108 |
| Progressive | $110 |
| Direct Auto | $114 |
| Excepsure | $117 |
| The General | $124 |
| First Acceptance | $131 |
| GEICO | $135 |
| Trexis | $137 |
| Travelers | $141 |
| Bristol West | $144 |
| AssuranceAmerica | $145 |
| GAINSCO | $155 |
| Nationwide | $165 |
| Hugo | $179 |
| Farmers | $184 |
| Dairyland | $192 |
| Root | $198 |
| Safeco | $201 |
| Insurify Car | $215 |
| Liberty Mutual | $264 |
| Liberty Mutual | $264 |
Senior drivers tend to pay the lowest auto insurance rates. Older drivers typically have decades of experience and safer habits, making them less likely to file claims. National General offers the cheapest rates for seniors in Alabama, with rates of $36 per month for a liability policy.
The table below lists the cheapest insurers for Alabama seniors, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $36 |
| State Farm | $39 |
| Auto-Owners | $39 |
| USAA | $40 |
| COUNTRY Financial | $43 |
| Allstate | $43 |
| Direct Auto | $47 |
| Progressive | $49 |
| Excepsure | $53 |
| Travelers | $53 |
| AssuranceAmerica | $54 |
| The General | $57 |
| GEICO | $58 |
| First Acceptance | $59 |
| Trexis | $62 |
| Nationwide | $64 |
| Bristol West | $66 |
| Farmers | $71 |
| GAINSCO | $72 |
| Hugo | $82 |
| Safeco | $85 |
| Dairyland | $91 |
| Root | $92 |
| Insurify Car | $97 |
| Liberty Mutual | $122 |
| Liberty Mutual | $122 |
Alabama allows insurers to use your credit history when pricing your car insurance policy. Drivers with poor credit usually pay more for car insurance because they’re more likely to file a claim. National General has the cheapest rates if you’re in Alabama and have less-than-perfect credit.
Below is a look at the cheapest car insurers for Alabama drivers with poor credit, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $55 |
| USAA | $58 |
| COUNTRY Financial | $63 |
| Allstate | $64 |
| Progressive | $67 |
| Direct Auto | $68 |
| State Farm | $69 |
| Auto-Owners | $71 |
| Excepsure | $72 |
| Travelers | $79 |
| The General | $81 |
| First Acceptance | $81 |
| AssuranceAmerica | $82 |
| Trexis | $84 |
| GEICO | $87 |
| Bristol West | $94 |
| Nationwide | $99 |
| GAINSCO | $100 |
| Farmers | $108 |
| Hugo | $114 |
| Safeco | $116 |
| Dairyland | $128 |
| Root | $132 |
| Insurify Car | $132 |
| Liberty Mutual | $170 |
| Liberty Mutual | $170 |
Find liability coverage for as low as $45 per month
If you still have questions about car insurance in Alabama, we’re here to help. Below, we address some common issues from drivers about coverage in the Yellowhammer State.
National General is the cheapest car insurance company in Alabama, with liability rates averaging $45 per month, according to Insurify data. But how much you pay for car insurance in Alabama depends on several factors, including your age, location in the state, and driving record.
Even if money is tight, you can still find affordable car insurance in Alabama. Comparing quotes from multiple companies can help you find the lowest price for the coverage you need. You can also check if your insurer has any low-income programs or discounts that may lower your rate.
Elephant insurance is cheap for a few reasons. Elephant is a direct-to-consumer insurance company, which allows it to skip paying agent commissions and pass some of the savings on to you. The company also has a variety of discounts, including multi-car and work-from-home discounts.
You have a few options if you can’t afford car insurance in Alabama. Consider lowering your coverage limits or raising your deductible to reduce your premium. You can also look for pay-per-mile or usage-based insurance programs that charge only for the miles you drive.
Yes. Driving without car insurance in Alabama is a misdemeanor. While you could spend time in jail for not having insurance, it’s more likely you’ll have to pay a fine, have your license suspended, or have your vehicle registration revoked.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Bylines include Forbes, Bankrate, and CBS News
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
