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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.
| Carrier | |
|---|---|
Amigo USA | $62/mo |
 National General | $113/mo |
 Travelers | $118/mo |
 GAINSCO | $132/mo |
 Direct Auto | $133/mo |
 SafeAuto | $159/mo |
 AssuranceAmerica | $161/mo |
 Safeco Insurance | $169/mo |
 Nationwide | $190/mo |
 Midvale Home & Auto | $198/mo |
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.
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.
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.
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 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 |
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.
| City | Credit Tier | |
|---|---|---|
| Birmingham | Poor | $241 |
| Mobile | Poor | $211 |
| Huntsville | Poor | $184 |
| Montgomery | Poor | $185 |
| Dothan | Poor | $187 |
| Tuscaloosa | Poor | $233 |
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.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
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.
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.
