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 then 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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
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.
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.
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.
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.
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?
Alabama law requires liability insurance to cover injuries and property damage caused to others. Those requirements are $25,000 in bodily injury liability per person and $50,000 per accident, and $25,000 in property damage liability per accident. To cover your vehicle itself, add comprehensive and collision coverage.
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.
"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.
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.
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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.