Cheap Car Insurance for Bad Credit Drivers in Alabama:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in Alabama (2021)

For drivers with bad credit in Alabama, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Alabama. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Alabama.

Bad Credit Car Insurance in Alabama

A poor credit score can negatively impact your financial well-being, especially when you need to borrow money for a car or house. Bad credit can also raise your insurance rates. A few states prohibit car insurance companies from using a driver's credit history as a factor in determining their rate. Unfortunately, Alabama is not one of those states. Most companies will run your credit if you try to get coverage.

While a poor credit score won't prevent you from getting coverage like it might a loan, you should expect to pay a higher insurance premium.

Alabama Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$197
$220
$222
$240
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Alabama?

Drivers with bad credit pay almost 8 percent more than average for car insurance in Alabama. Credit scores are just one factor companies look at when determining car insurance rates, however. According to the Insurance Information Institute, companies will review your driving record and claims history along with your total debt and payment history when they set your rate. Insurers use your credit score to figure out your risk level and likelihood that you'll file a claim in the future.

$192
$207
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$15 ▴Monthly Impact of Bad Credit on Rates
7.81% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Alabama?

It is possible to get car insurance without a credit check in Alabama. There's a catch, however. Car insurance companies that don't check credit scores often charge higher premiums. Insurance companies that run credit checks do so to calculate how much risk comes with covering a driver. Without that check, the risk calculation is incomplete, and companies will charge more for coverage to compensate for that.

You may not want to go through a credit check, but it might be worth it to see if you can pay less for coverage with a standard car insurance company in Alabama.

Alabama Car Insurance Rates by Credit Tier

Alabama car insurance rates follow a relatively straight path; the better your credit is, the lower your average monthly insurance cost will be. The difference in average monthly insurance costs between an Alabama driver with excellent credit and one with poor credit is about $43. This is further proof that a lot more than a driver's credit score goes into determining insurance rates.

Credit Tier
Excellent$197
Good$220
Average$222
Poor$240

Car Insurance Rates With Bad Credit in Alabama Cities

A poor credit score will be costly for drivers seeking car insurance in a handful of Alabama cities. Drivers in Birmingham, Mobile and Tuscaloosa are looking at a $200 per month car insurance bill if they have bad credit.

CityCredit Tier
BirminghamPoor$241
MobilePoor$211
HuntsvillePoor$184
MontgomeryPoor$185
DothanPoor$187
TuscaloosaPoor$233

Tips for Researching Bad Credit Alabama Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Alabama draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate 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 you need to, and customers save $585 per year on average.

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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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FAQs - Alabama Car Insurance

Why is car insurance so expensive in Alabama?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Alabama?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Alabama. Insurify analyzed the latest data for the five most populous cities in Alabama to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Alabama?

The way to find the carrier with the best auto insurance ratings in Alabama and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Alabama?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

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.