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.