Average Car Insurance Cost in Alabama (2025)
Drivers in Alabama pay an average of $101 per month for car insurance.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Table of contents
Drivers in Alabama pay an average of $142 per month for full-coverage auto insurance and $61 per month for liability-only coverage. That’s compared to the U.S. national average of $195 per month for full coverage and $105 for liability-only car insurance.
Car insurance in Alabama has become more expensive in the past few years. But average rates have risen across the U.S. in that time, too. While finding cheap car insurance in Alabama can be difficult, we’ll help you find the coverage you need for the best price.
Quick Facts
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Alabama.
Alabama drivers with DUIs pay 46% more for car insurance than drivers with a clean record.
Female drivers in Alabama pay an average of $99 per month for car insurance, while male drivers pay $104.
How much is car insurance in Alabama?
Alabama drivers pay monthly average rates of $61 for state-minimum coverage and $142 for full coverage. That adds up to $734 annually for minimum-coverage policies and $1,699 for full coverage.
How much you pay for car insurance depends on various factors, like if you have speeding tickets on your record or you’re insuring an older car. No matter how much coverage you need, you can always use an auto insurance comparison tool to find the cheapest rates.
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How Alabama car insurance rates have changed over the past two years
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To find car insurance rates in Alabama and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Alabama rose to more than $1,700 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally and remain more expensive than in Alabama.
See how Alabama car insurance prices have changed over the past two years below.
Average Alabama Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Alabama car insurance rates by city
Car insurance companies consider your location when setting your rates. This is because some areas are riskier for drivers than others.[1] Urban areas tend to have higher theft and accident rates, so you might find cheaper car insurance if you live in a more rural part of Alabama.
The table below lists the average auto insurance rates in cities across Alabama, according to Insurify data.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Enterprise | $53 | $140 |
| Dothan | $57 | $130 |
| Auburn | $58 | $137 |
| Tuscaloosa | $62 | $158 |
| Madison | $62 | $136 |
| Huntsville | $63 | $138 |
| Birmingham | $67 | $161 |
| Montgomery | $67 | $170 |
| Mobile | $70 | $156 |
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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Car Insurance Requirements in Alabama (2025)
Average Alabama car insurance rates by age and gender
Your age and gender have a big effect on how much you pay for car insurance.[2] Middle-aged women often have the cheapest car insurance rates in Alabama. Female drivers tend to get into fewer accidents than male drivers, and middle-aged drivers are typically more careful behind the wheel than young or senior drivers.
In 2022, male and female drivers in Alabama had similar car accident rates.[3] But males made up 72% of drivers involved in fatal collisions, causing them to pay higher rates for insurance in the state.
The table below lists the average car insurance rates by age and gender in Alabama, according to Insurify data.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $135 | $321 |
| 18 | $117 | $279 |
| 20 | $78 | $187 |
| 25 | $69 | $166 |
| 30 | $61 | $146 |
| 40 | $58 | $139 |
| 50 | $50 | $119 |
| 60 | $46 | $109 |
| 70+ | $49 | $117 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $130 | $309 |
| 18 | $113 | $269 |
| 20 | $74 | $179 |
| 25 | $67 | $160 |
| 30 | $59 | $140 |
| 40 | $56 | $133 |
| 50 | $48 | $115 |
| 60 | $44 | $105 |
| 70+ | $47 | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Alabama
The type of car you drive also influences your auto insurance rates — especially if you have collision and comprehensive coverage. More expensive cars generally cost more to repair and replace, which can increase your rates. And cheaper cars often have fewer safety features, making them more costly to insure.[4]
The table below lists the average insurance rates for the most popular cars in Alabama, according to data from Insurify.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $137 |
| Chevrolet Silverado | $145 |
| GMC Sierra | $147 |
| Toyota Camry | $161 |
| Toyota RAV4 | $134 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Alabama
Your driving habits are some of the most important factors affecting the cost of insurance. Drivers in Alabama with speeding tickets pay more for coverage because insurers consider them more likely to cause injuries and property damage.
If you cause an accident or get a DUI, your insurance rates can increase significantly. You may have a hard time finding coverage or face additional insurance requirements, like filing an SR-22.
The table below details how different driving infractions affect your insurance rates in Alabama, according to Insurify data.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $164 | 39% |
| With speeding ticket | $155 | 35% |
| With DUI | $184 | 46% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurers can use your credit history to determine how safe of a driver you are. Drivers with good credit generally get cheaper car insurance in Alabama than drivers with poor credit. Some U.S. states have banned insurers from using your credit history, but Alabama still allows it.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $53 $126 Good $59 $141 Fair $56 $133 Poor $68 $164 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Alabama
You might be surprised by how easy it is to get cheaper car insurance in Alabama. Use the tips below to help you save money on your coverage:
Drive safely
Many insurers offer discounts if you let them track your driving habits. You can also get lower rates if you avoid speeding tickets and other risky behaviors.
Bundle your policies
Companies often offer cheap car insurance if you buy your renters or homeowners coverage from them, too.
Look for other discounts
Many insurance companies offer discounts for driving safely, renewing your policy, and driving your car less often. Check if you’re eligible for any discounts when getting quotes from insurers.
Choose your car carefully
Newer cars usually have high-tech features that affect your insurance costs. New cars might be more expensive than older models, but they can cost less to insure because they’re safer to drive and less likely to cause bodily injury.
Choose minimum coverage
Liability-only coverage is cheaper than full coverage because it only pays for property damage and bodily injuries you cause to others. Opting for minimum coverage can save you money on your premium.
Compare rates
Average rates can differ between insurers, so comparing options can save you money.[5] Even if you’ve been with the same company for years, you may be able to find similar coverage for less money with another insurer. Use an insurance-comparison site to make sure you get the most affordable rates.
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Alabama average car insurance cost FAQs
If you’re still unsure about insurance rates or coverage requirements in Alabama, we can help. Below, we’ve answered some common questions about auto insurance in Alabama.
Drivers in Alabama pay an average of $734 annually for state-minimum coverage and $1,699 for full coverage. That’s compared to the U.S. national average of $1,257 for minimum coverage and $2,344 for full coverage.
Auto-Owners, State Farm, and USAA are some of Alabama’s cheapest car insurance companies. But they may not be the most affordable options for your situation, so you should compare quotes from multiple insurers to find the best price.
Alabama drivers pay an average of $61 monthly for state-minimum coverage and $142 for full coverage. That’s usually less than the U.S. national average of $105 for minimum coverage and $105 for full coverage.
State Farm, Direct Auto, and COUNTRY Financial are some of Alabama’s top auto insurers. They offer affordable insurance and good customer service, whether you need a liability-only or full-coverage policy.
Alabama requires drivers to purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 in property damage liability coverage.[6] That’s similar to the minimum insurance requirements in many U.S. states.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
- Alabama Department of Transportation. "2022 Crash Facts."
- Insurance Institute for Highway Safety. "Teens are the riskiest drivers, but they drive the least safe vehicles."
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
- Alabama Department of Insurance. "Automobile Insurance FAQs."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.