Average Car Insurance Cost in Alabama (2024)

Drivers in Alabama pay a total average of $111 per month for car insurance.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated June 1, 2024

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Compared to the national average car insurance costs, Alabama’s rates are looking as sunny as a day on the Gulf Coast. Alabamans pay $61 per month for liability-only policies and $161 per month for full coverage, on average. By comparison, the national average for liability coverage is $105, and full coverage is $215.

Here’s what you should know about the different factors that influence Alabama’s insurance premiums so you can find better-than-average car insurance rates for your unique driver profile.

Quick Facts
  • Middle-aged females with good driving records may get the best rates.

  • Only Vermont, New Hampshire, Iowa, and Hawaii have lower average rates than Alabama.

  • Mobile has the highest average rates despite not having the state’s largest population.

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Rates start at $37 per month for liability-only policies

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What’s the average cost of car insurance in Alabama?

Your car insurance costs can vary substantially based on a number of different factors like your gender, age, marital status, and location.

Auto-Owners and State Farm offer the lowest liability-only rates in Alabama, at $37 and $37 per month, respectively. Other insurers, like GAINSCO, offer monthly liability coverage for an average of $119.

It’s important to compare multiple car insurance quotes or ask an insurance agent for free quotes before choosing an insurance company.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Auto-Owners$37$69
State Farm$37$69
USAA$37$69
Allstate$40$75
COUNTRY Financial$41$76
Travelers$51$94
National General$54$123
GEICO$55$103
Direct Auto$58$141
Nationwide$63$118
Progressive$67$126
Farmers$68$128
Safeco$71$120
AssuranceAmerica$74$134
Clearcover$76$128
Foremost$86$212
Midvale Home & Auto$90$152
Liberty Mutual$106$185
GAINSCO$119$236
Bristol West$122$289
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.

Average Alabama car insurance rates by city

Location plays a huge role in setting car insurance premiums. Geographic factors like rates of population, auto accidents, vandalism, and theft can cause two cars of the exact same make and model to have different insurance premiums.[1]

For instance, Dothan has a smaller population and fewer reported motor vehicle thefts than Tuscaloosa, which may be two reasons why Dothan’s rates are lower than Tuscaloosa’s. Birmingham and Mobile have the highest rates, which makes sense since they have larger populations and significantly more reported motor vehicle thefts.[2] [3]

Here, you can see how rates compare across different cities in Alabama.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Auburn$61$159
Birmingham$70$187
Dothan$63$150
Enterprise$59$119
Huntsville$64$153
Madison$62$158
Mobile$71$192
Montgomery$70$183
Tuscaloosa$177$177
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 Alabama car insurance rates by age

Teens receive a higher average annual auto insurance rate than other age groups because they’re statistically more at risk of being in a fatal car accident. This is predominantly due to their inexperience, overconfidence, and social distractions.

Drivers younger than 25 also tend to have higher rates, while middle-aged drivers see their rates decrease in their 30s. Rates rise again, however, once drivers reach age 70 and older.

The chart below shows how rates fluctuate based on age.

Rates by Age

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 gender affects car insurance rates in Alabama

Just over half of Alabama’s population is female, which means that the majority of people in Alabama may qualify for cheap car insurance. Statistics show that female drivers are less likely to be involved in an accident, a serious accident, or an accident caused by driving under the influence.[1]

These statistics are reflected in the higher rates male drivers pay across every age bracket.

AgeMaleFemale
16$355$291
35$170$153
50$130$125
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.
Learn more: Average Car Insurance Rates by Age and Gender

Learn more: Average Car Insurance Rates by Age and Gender

How your driving record affects car insurance rates in Alabama

The Alabama Department of Transportation (ALDOT) records a traffic accident once every three and a half minutes and a fatality in a traffic accident every nine minutes.[4] Many accidents are caused by risky driving behavior. If you have another indicator of risky driving behavior on your record — like an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction — it’ll raise your rates.

Here, you can see how the rates of a driver with a clean record differ from those of drivers with an incident on their record.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$61$161
With accident$100$264
With speeding ticket$97$256
With DUI$112$297
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.

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Average Alabama car insurance rates by marital status

Being married has many benefits — and one of them is potentially lower car insurance. This is because insurers judge married people to be less risky to insure. And while the savings usually aren’t great, it’s good to know you can save a few extra dollars when possible.

Here, you can see how rates change for married couples compared to single people.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$66$167
Single$68$173
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 Alabama car insurance rates by credit tier

Checking for discrepancies on your credit report is important, even if you have a good credit score. It can also affect your car insurance rates.

Alabama car insurance companies can use your credit rating to determine your credit-based insurance score. This is a score different from your credit score and one that directly affects your premiums.

A driver with a good credit score will usually get a cheaper rate than a driver with a bad credit score. And while your credit score isn’t the sole factor influencing your premium, you can see the effect it has on your rates in the table below.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$60$153
Good$67$170
Fair$74$187
Poor$107$272
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.

Alabama car insurance FAQs

Whether you’re sending a child off to school to join the Crimson Tide or you enjoy leisurely drives along the Gulf Coast, you need to find the policy that best meets your needs. Start with these answers to frequently asked questions about Alabama car insurance.

  • What is the average cost of car insurance in Alabama?

    The average monthly cost of car insurance in Alabama is $61 for liability insurance and $161 for full coverage. Your rate may be less if you live in a lower average-cost city like Dothan, or it may be higher if you have an accident or DUI conviction on your driving record.

  • What is the cheapest car insurance in Alabama?

    The cheapest car insurance in Alabama is offered through Auto-Owners, which has liability-only rates of $37 per month. Liability insurance will often be the cheapest option, especially if you’re a married, middle-aged driver with a clean record and high credit score.

  • Do car insurance rates vary by county in Alabama?

    Yes. Location always plays a role in car insurance rates — whether that’s by state, county, city, or ZIP code. For instance, an Alabama driver may pay a different rate in Mobile than they would in Dothan because Mobile and Dothan have different populations and risk factors.

  • What are the best auto insurance companies in Alabama?

    Some of the cheapest average auto insurance rates in Alabama are available through companies like Auto-Owners, USAA, and State Farm. USAA is best for military members and veterans, while State Farm provides high-savings potential by bundling policies, and Auto-Owners offers multiple discounts, particularly for students.

  • What are the car insurance requirements in Alabama?

    All Alabama drivers must carry at least $25,000 of bodily injury insurance per person (or $50,000 for two or more) and $25,000 of property damage insurance per incident. It’s illegal to drive without these minimum requirements, which means you can’t operate or register a vehicle without it.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. FBI. "Crime in the United States."
  3. U.S. Census Bureau. "Tuscaloosa city, Alabama."
  4. Drive Safe Alabama. "Serious Stats."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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