How Much Is Car Insurance in Alabama? (2026)
Drivers in Alabama pay an average of $1,247 per year for car insurance.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
)
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
)
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
Drivers in Alabama pay an average of $104 per month for car insurance.
National General offers the cheapest rates to Alabama drivers, with liability policies averaging $40 per month.
Insurify data projects car insurance costs in Alabama to rise 1% in 2026.
How much is car insurance in Alabama?
Alabama drivers pay an average of $104 per month for car insurance. That’s significantly lower than the national average cost of $143 per month, according to Insurify data. It’s also lower than the average costs in nearby Mississippi and Georgia, where car insurance costs $138 and $208 per month, respectively.
Alabama drivers pay an average of $142 per month for full-coverage policies and $66 per month for liability-only coverage.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $66 | $794 |
| Full coverage | $142 | $1,700 |
Disclaimer: Table data is based on real-time Alabama quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance in Alabama
Liability policies average $66/mo.
Excellent
4.7 out of 5 based on 17,902 reviews
Secure. Free. Easy-to-use.
Minimum car insurance requirements in Alabama
Alabama state law requires drivers to carry the minimum requirement of liability coverage to legally drive on public roads. You’ll need at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability coverage.[1]
The table below highlights the minimum-coverage requirements for Alabama drivers.
Coverage Type | Alabama Minimum Requirement |
|---|---|
| Bodily injury liability coverage | $25,000 per person/$50,000 per accident |
| Property damage liability coverage | $25,000 per accident |
Cheapest car insurance companies in Alabama
Some car insurance companies consistently offer Alabama drivers lower rates than others. Regardless of which company you work with, you’re likely to find the cheapest rates if you opt for a liability-only insurance policy.
This bare-bones coverage offers enough protection to legally drive in the state. But it doesn’t offer the robust protection of a full-coverage policy, which includes comprehensive and collision coverage. In a tornado-prone state like Alabama, comprehensive coverage may be especially important.
The table below includes the cheapest car insurance companies for Alabama drivers.
The below rates in Alabama are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| National General | $40 |
| Auto-Owners | $44 |
| Progressive | $44 |
| State Farm | $44 |
| USAA | $44 |
| Allstate | $46 |
| Country Financial | $48 |
| Direct Auto | $51 |
| Excepsure | $55 |
| AssuranceAmerica | $56 |
| First Acceptance | $59 |
| Travelers | $60 |
| The General | $61 |
| GEICO | $65 |
| Trexis | $65 |
| GAINSCO | $69 |
| Bristol West | $71 |
| Hugo | $79 |
| Farmers | $81 |
| Safeco | $85 |
| Dairyland | $92 |
| Insurify Car | $96 |
| Root | $113 |
| Liberty Mutual | $119 |
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.
Average Alabama car insurance rates by city
Alabama drivers in the state’s major cities typically pay more for insurance coverage. Birmingham and Montgomery have the highest rates in Alabama, while Decatur and Dothan have the lowest, according to Insurify data. In cities like Birmingham and Montgomery, drivers may pay significantly more than in smaller cities like Decatur and Dothan.
The below rates in Alabama are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT.
City | Average Monthly Quote |
|---|---|
| Dothan | $90 |
| Decatur | $94 |
| Auburn | $99 |
| Enterprise | $102 |
| Madison | $102 |
| Oxford | $103 |
| Huntsville | $104 |
| Tuscaloosa | $109 |
| Daphne | $113 |
| Montgomery | $120 |
| Mobile | $121 |
| Birmingham | $123 |
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.
Average Alabama car insurance rates by age
Young drivers with less experience behind the wheel pay more for car insurance than older drivers because they have a higher accident risk. Senior drivers with decades of experience on the road usually pay less for coverage.
The table below highlights the average costs for drivers by age group in Alabama.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $130 | $279 |
| Adults (40s) | $67 | $143 |
| Seniors | $59 | $128 |
Disclaimer: Table data is based on real-time Alabama quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Alabama
Driving history is an important factor insurance companies consider when setting rates.[2] High-risk drivers with a past incident, such as a speeding ticket or an at-fault accident, generally pay more for coverage than a driver with a clean record.
In Alabama, 4.6% of drivers have a ticket, 4.7% have an accident in their driving history, and 0.5% have a driving under the influence (DUI) conviction, according to Insurify data. Any of these infractions could lead to higher car insurance costs.
The table below highlights how much more you might pay for coverage after an incident.
Driving Record | Average Monthly Quote in AL | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $104 | N/A |
| With speeding ticket | $140 | 35% |
| With accident | $145 | 39% |
| With DUI | $143 | 38% |
Disclaimer: Table data is based on real-time Alabama quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Alabama?
Several factors influence car insurance costs in Alabama, including:
Severe weather: Alabama sees a significant amount of severe weather every year, including threats from tornadoes and hurricanes.
Location: You’ll often pay more for car insurance if you live in a major city, like Birmingham or Mobile. But you might pay less for coverage if you live in a smaller town, like Dothan or Oxford.
Credit: Alabama insurers can consider your credit-based insurance score when determining premiums. Drivers with good credit generally pay less for coverage than drivers with poor credit.[3]
Compare Alabama Car Insurance Quotes
See quotes from top insurers in minutes
Excellent
4.7 out of 5 based on 17,902 reviews
Secure. Free. Easy-to-use.
How Alabama car insurance rates have changed over the past five years
The average annual cost in Alabama has risen 29% over the past five years, from $1,312 in August 2021 to $1,695 in August 2026, according to Insurify data. In the last couple of years, rates peaked at $1,820 in August 2024 but have since eased.
During 2026, Insurify data projects average car insurance costs in the state to rise by just 1%. Although any increase is inconvenient for drivers, it’s small compared to increases in other states, which saw rates rise by over 5% in 2026 alone. The outbreak of tornadoes in 2026 may have affected car insurance rates.[4]
Average Alabama Car Insurance Rates Over the Past Five Years
State Name | 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 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | 1,297 | 1,298 | 1,299 | 1,299 | 1,300 | 1,300 | 1,298 | 1,295 | 1,296 | 1,314 | 1,320 | 1,338 | 1,358 | 1,392 | 1,427 | 1,457 | 1,481 | 1,505 | 1,536 | 1,559 | 1,567 | 1,595 | 1,634 | 1,646 | 1,698 | 1,739 | 1,779 | 1,812 | 1,820 | 1,783 | 1,754 | 1,746 | 1,747 | 1,739 | 1,736 | 1,727 | 1,755 | 1,749 | 1,750 | 1,724 | 1,699 | 1,697 | 1,693 | 1,701 | 1,705 | 1,696 | 1,687 | 1,697 | 1,706 | 1,709 | 1,711 | 1,701 | 1,699 | 1,701 |
| United States | 1,591 | 1,602 | 1,607 | 1,613 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,803 | 1,850 | 1,887 | 1,919 | 1,956 | 1,982 | 2,006 | 2,036 | 2,076 | 2,127 | 2,194 | 2,238 | 2,298 | 2,341 | 2,368 | 2,391 | 2,387 | 2,375 | 2,371 | 2,363 | 2,352 | 2,368 | 2,369 | 2,368 | 2,357 | 2,343 | 2,318 | 2,286 | 2,258 | 2,229 | 2,216 | 2,223 | 2,223 | 2,225 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 | 2,242 |
See More
To find car insurance rates in Alabama and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Alabama
It’s possible to find affordable car insurance in Alabama. Here are some strategies to consider:
Shop around. To find the best rates, compare car insurance quotes from multiple insurers.
Seek out discounts. Always look for discounts before finalizing your coverage. For example, you might save through a bundling discount when you purchase other types of coverage, like home or renters insurance, from the same company.
Consider regional insurers. Some regional insurers may offer better rates than their national competitors. Alfa Insurance is one to consider in Alabama.
Stick with minimum coverage. You’ll typically find the lowest rates with a minimum-coverage policy. But it might not offer enough protection for your wallet.
Increase your deductible. Insurers often offer lower rates to policyholders who opt for a higher deductible.
Alabama average car insurance cost FAQs
If you still have questions about getting cheap car insurance in Alabama, the following answers may help.
What insurer has the cheapest car insurance in Alabama?
National General offers the cheapest car insurance to Alabama drivers, according to Insurify data, with liability policies averaging $40 monthly. It’s closely followed by State Farm and USAA.
Why is Alabama car insurance so expensive?
Car insurance in Alabama is actually cheaper than the national average, according to Insurify data. But severe weather, including tornadoes and hurricanes, can drive up insurance costs for the average person.
Can you go to jail in Alabama for not having car insurance?
Yes. Driving without at least a liability insurance policy in Alabama is a Class C misdemeanor, which can result in up to three months in jail.[5] The state will also suspend your registration, and you must pay a $200 reinstatement fee ($400 for repeat offenses).[6]
Is auto insurance cheaper in Alabama than in Florida?
Yes. Florida drivers pay an average of $189 per month for car insurance, according to Insurify data. That’s significantly more expensive than the average monthly cost in Alabama, which is $104.
Sources
- Alabama Department of Insurance. "Automobile Insurance FAQs."
- Alabama Department of Insurance. "Underwriting and Rating."
- Alabama Department of Insurance. "Credit Scoring: How Does It Affect You?."
- National Weather Service. "Alabama Tornado Database 2026."
- Alabama Legislature. "Chapter 7A Mandatory Automobile Liability Insurance."
- Alabama Department of Revenue. "What do I do if I did not have insurance on the verification date?."
Methodology
Insurify data scientists analyzed more than 250 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Related articles
)
Car Insurance Discounts in Alabama
Safe-driving, multi-car, bundling, good-student, and telematics discounts can help Alabama drivers save. And Alabamians 55 and older can get a discount after completing an approved accident-prevention course.
Cheap Full-Coverage Car Insurance in Alabama
Alabama drivers can find the cheapest full-coverage car insurance from National General, with an average rate of $91 per month.
Alabama Car Insurance Requirements in 2026
Alabama is an at-fault state and requires drivers to carry liability coverage of at least $25,000 for bodily injury and $25,000 for property damage.
Cheap Car Insurance for Low-Income Drivers in Alabama
National General has the cheapest liability car insurance in Alabama, with an average rate of $40 per month.
SR-22 Insurance in Alabama: Cost, Requirements, and Cheapest Companies
The average monthly rate for SR-22 insurance in Alabama is $117, but you may find more affordable rates by comparing quotes.
Cheapest Liability Car Insurance in Alabama
Alabama drivers can find the cheapest liability-only car insurance from National General, with an average rate of $40 per month.
Temporary Car Insurance in Alabama: What Your Short-Term Options Really Are
True temporary car insurance doesn’t exist in Alabama, but Insurify Car1 offers coverage as a flexible short-term alternative.
)
Car Insurance for High-Risk Drivers in Alabama
State Farm, USAA, and Auto-Owners are a few of the best car insurance companies for high-risk drivers in Alabama.
)
Best Car Insurance in Alabama
Progressive, Auto-Owners, and Allstate provide some of the best car insurance in Alabama, with low rates and robust coverage options.
Alabama Car Insurance Laws
Alabama drivers must carry 25/50/25 liability insurance, keep proof of coverage in the vehicle, and maintain insurance while a vehicle is registered.
Cheapest Car Insurance Quotes in Alabama
National General, State Farm, and USAA offer some of Alabama’s cheapest car insurance quotes.
)
Cheap Car Insurance Quotes in Auburn, Alabama (October 2026)
National General has the cheapest car insurance in Auburn, with liability coverage averaging $38 per month. Auburn has several flood-prone roads and bridges, making comprehensive coverage useful for protection against flood damage.
)
Cheap Car Insurance Quotes in Birmingham, Alabama (October 2026)
National General offers Birmingham drivers the cheapest car insurance rates, at $47 per month. Relatively high theft and accident rates, along with damaging tornadoes, push premiums in Birmingham higher than the rest of the state.
)
Cheap Car Insurance Quotes in Dothan, Alabama (October 2026)
National General is the cheapest insurer in Dothan, at $35 per month for liability coverage. Dothan’s relatively low flood risk and low average commute time make it an affordable city for car insurance.
)
Cheap Car Insurance Quotes in Enterprise, Alabama (October 2026)
The cheapest car insurance company in Enterprise, Alabama, is National General, with liability-only policies averaging $39 per month. Enterprise has a lower population density and sees less traffic than Alabama’s larger cities, which helps keep car insurance rates down.
)
Cheap Auto Insurance in Huntsville, Alabama
National General offers the cheapest car insurance in Huntsville, with liability-only policies as low as $40 per month.
)
Cheap Car Insurance Quotes in Madison, Alabama (October 2026)
National General offers the cheapest car insurance rates in Madison, averaging $39 per month for liability-only coverage. Car accidents and severe storms are the most common hazards in Madison.
Cheapest Car Insurance Quotes in Mobile (October 2026)
National General has the lowest car insurance rates in Mobile, at an average of $47 per month. Insurance costs here are higher than in most other Alabama cities because the coastal location makes weather-related claims more likely.
)
Cheap Car Insurance Quotes in Montgomery (October 2026)
National General has the cheapest average rates for car insurance in Montgomery, Alabama, at $46 per month. Flooding risks, deteriorated roadways, and I-85 traffic all present potential claims risks to drivers throughout the city.
)
Cheap Auto Insurance in Tuscaloosa, Alabama
National General has the cheapest car insurance for Tuscaloosa drivers, with minimum-coverage policies starting at $42 per month.
Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.