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Alabama Average Cost of Car Insurance Rates (2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

How Much Does Car Insurance Cost In Alabama?

On average, car insurance rates for drivers in Alabama are $208 per month, and $2495 per year. The average rates make Alabama the 24th most expensive state in the country for car insurance rates and 7% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $20850%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Alabama Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Alabama and has selected the following providers and quotes as the best rates for drivers in Alabama.

Cheapest CompaniesQuotes 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.
State Farm$64
Allstate$83
GEICO$100
Travelers$106
Direct Auto$126

Alabama Car Insurance Rates by City

For drivers in Alabama, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Alabama.

CityAvg. Monthly Rate 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.
Auburn$180
Birmingham$213
Dothan$162
Gadsden$160
Huntsville$173
Madison$176
Mobile$204
Montgomery$188
Phenix City$192
Tuscaloosa$189

What Is the Average Cost of Car Insurance in Alabama by Age?

Alabama’s hardest-working teens will have a tough time paying for car insurance with a minimum wage job. But twentysomethings see a $150 cut on average in their monthly payments—though they still pay $40 over the state average.

Alabamans in their 30s, 40s, and 50s shell out less than the state average. Folks in their 60s pay the least as they gear up for golf and retirement parties. Those in their 70s and 80s see a price increase, but it’s far less than that for young people.

AgeAvg. Monthly Rate 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.
Teens$415
20s$251
30s$164
40s$178
50s$162
60s$154
70s$178
>80s$169

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What Is the Average Cost of Car Insurance in Alabama by Gender?

Men pay seven percent more than women in the Heart of Dixie. Could it be that men buy bigger, costlier rides or that women are just safer drivers? It's probably a little of both.

GenderAvg. Monthly Rate 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.
Male$219
Female$201

Does Marital Status Influence the Average Cost of Car Insurance in Alabama?

If you've just proposed, you can add one more benefit to your new nuptials. You'll save $17 a month on car insurance, which turns into a $200 savings per year. This should make that first dance even more fun.

Singles might want to listen to financial experts and economists. They say married couples have a higher average net worth and greater stability. Does that make you want to go from single to married?

Marital StatusAvg. Monthly Rate 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.
Married$195
Single$212

Minimum Car Insurance Requirements in Alabama

All motor vehicles operated or parked on Alabama roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Alabama[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Alabama is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $50,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

How Does Credit History Affect Alabama Car Insurance Rates?

Should your credit score change what you pay for car insurance? Many Alabamans would say no, but the insurance companies beg to differ. The Heart of Dixie, like most states, allows insurance companies to use credit as a rating factor.

The good news is it doesn't make all that much of a difference in Alabama. People with poor credit pay the least, but that's likely because they finance less expensive cars and buy less coverage than those with better credit.

Credit HistoryAvg. Monthly Rate 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.
Poor$191
Average$202
Good$203
Excellent$202

What Is the Average Cost of Car Insurance in Alabama for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Alabama will pay $52 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $55. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate 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.
No Violation$191
At-Fault Accident$243
Speeding$243

Tips for Researching Alabama Car Insurance Rates

Prices and premiums in the Heart of Dixie vary by location, company, and driver. Alabama's population is steadily increasing. Will insurance premiums also go up with the number of people? Alabamans pray it doesn't happen.
While you're hoping for the best deal, you can try Insurify 's comparison tool. You'll get 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Alabama Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Alabama. 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.

  • The way to find the carrier with the best auto insurance ratings in Alabama and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Roy
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Alabama Department of Insurance. "State Mininum Car Insurance Requirements." Accessed May 28, 2022