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 $63 per month to $99. 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: Monday, April 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVice President of Engineering
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 | Clean Record | With Ticket |
|---|
| USAA | 37 | 50 |
|---|
| Auto-Owners | 37 | 52 |
|---|
| State Farm | 38 | 51 |
|---|
| Allstate | 41 | 56 |
|---|
| COUNTRY Financial | 41 | 57 |
|---|
| Travelers | 51 | 70 |
|---|
| National General | 55 | 75 |
|---|
| GEICO | 56 | 76 |
|---|
| Direct Auto | 60 | 84 |
|---|
| Nationwide | 64 | 88 |
|---|
| Progressive | 68 | 96 |
|---|
| Farmers | 69 | 94 |
|---|
| Safeco | 70 | 103 |
|---|
| AssuranceAmerica | 70 | 101 |
|---|
| Clearcover | 73 | 106 |
|---|
| Liberty Mutual | 97 | 141 |
|---|
| Bristol West | 123 | 170 |
|---|
| GAINSCO | 139 | 184 |
|---|
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 $271 and $102 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: Monday, April 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVice President of Engineering
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 | Clean Record | With Accident |
|---|
| USAA | 37 | 53 |
|---|
| Auto-Owners | 37 | 53 |
|---|
| State Farm | 38 | 54 |
|---|
| Allstate | 41 | 58 |
|---|
| COUNTRY Financial | 41 | 61 |
|---|
| Travelers | 51 | 74 |
|---|
| National General | 55 | 80 |
|---|
| GEICO | 56 | 80 |
|---|
| Direct Auto | 60 | 88 |
|---|
| Nationwide | 64 | 92 |
|---|
| Progressive | 68 | 101 |
|---|
| Farmers | 69 | 98 |
|---|
| Safeco | 70 | 109 |
|---|
| AssuranceAmerica | 70 | 104 |
|---|
| Clearcover | 73 | 122 |
|---|
| Liberty Mutual | 97 | 148 |
|---|
| Bristol West | 123 | 175 |
|---|
| GAINSCO | 139 | 195 |
|---|
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 $209 per month for car insurance. The cheapest insurer for drivers with a DUI in Alabama is USAA, with liability-only rates averaging $62 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: Monday, April 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVice President of Engineering
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 | Clean Record | With DUI |
|---|
| USAA | 37 | 62 |
|---|
| Auto-Owners | 37 | 62 |
|---|
| State Farm | 38 | 64 |
|---|
| Allstate | 41 | 69 |
|---|
| COUNTRY Financial | 41 | 69 |
|---|
| Travelers | 51 | 86 |
|---|
| National General | 55 | 93 |
|---|
| GEICO | 56 | 94 |
|---|
| Direct Auto | 60 | 101 |
|---|
| Nationwide | 64 | 108 |
|---|
| State Auto | 64 | 108 |
|---|
| Progressive | 68 | 115 |
|---|
| Farmers | 69 | 116 |
|---|
| Safeco | 70 | 118 |
|---|
| AssuranceAmerica | 70 | 118 |
|---|
| Clearcover | 73 | 123 |
|---|
| Foremost | 77 | 130 |
|---|
| Liberty Mutual | 97 | 163 |
|---|
| Bristol West | 123 | 207 |
|---|
| GAINSCO | 139 | 234 |
|---|
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.
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