Best Car Insurance in Alabama (2026)
Progressive, Auto-Owners, and Allstate provide some of the best car insurance in Alabama, with low rates and robust coverage options.
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4.7 / 518K reviews
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Writer: Melanie LockertInsurance, Personal Finance Writer
Writer: Melanie LockertInsurance, Personal Finance Writer
Qualifications:
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
)
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
Best car insurance companies in Alabama
Insurify analyzed 120+ car insurance companies to find the best car insurance in Alabama. We looked at rates, optional coverages, available discounts, and customer satisfaction. Here are our top picks for Alabama drivers.
Progressive: Best overall
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 637 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Alabama for
Showing 19 reviews from Alabama driversSee all 9,252 Progressive reviews
Verified Review
Reviewed in Alabama on October 25, 2026
Prices went up. Don’t recommend.
Verified Review
Reviewed in Alabama on September 13, 2026
The premium was too high, and they didn’t pay for roadside service.
Verified Review
Reviewed in Alabama on September 9, 2026
None—too expensive for an older model car.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive offers some of the best car insurance in Alabama, providing low rates and plenty of optional coverages. These include loan/lease payoff, rental car reimbursement, roadside assistance, rideshare coverage, and even pet injury coverage. The company also offers a range of discounts and has many insurance agents in the state.
Pros
Affordable liability insurance
Many available discounts
Robust optional coverages
Cons
Below-average JD Power customer satisfaction rating in the Southeast region
Low Trustpilot rating
Slightly higher rates than competitors
Auto-Owners: Best for students
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
4.3
Best choice in AlabamaBased on 312 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Alabama for
Showing recent national reviewsSee all 169 Auto-Owners reviews
Verified Review
Reviewed in Michigan on October 14, 2026
I haven’t really had any problems with them, other than my premium keeps going up at every renewal.
Verified Review
Reviewed in Indiana on October 13, 2026
No problems with them so far.
Verified Review
Reviewed in Georgia on September 20, 2026
Too expensive.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners offers various car insurance discounts on top of already low rates, three of which are for students. These include a good student discount of up to 20% for maintaining a “B” or higher GPA, a student-away-at-school discount, and a teen driver monitoring discount. Students who are part of the University of Alabama System or enrolled in other colleges may qualify for these discounts.
Pros
Low full-coverage rates in Alabama
Several student discounts available
Above-average JD Power claims satisfaction rating
Cons
Poor Trustpilot rating
Doesn’t offer online quotes
Rideshare insurance not available
Allstate: Best for purchase experience
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
3.9
A solid option in AlabamaBased on 12,470 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Alabama for
Showing 18 reviews from Alabama driversSee all 4,781 Allstate reviews
Verified Review
Reviewed in Alabama on September 2, 2026
Excellent.
Verified Review
Reviewed in Alabama on August 29, 2026
Good company, but they need more perks for long-time customers. The service is good.
Verified Review
Reviewed in Alabama on August 13, 2026
Great.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
To find the best car insurance in Alabama, it’s essential to compare multiple quotes. Allstate ranks No. 3 among car insurance companies in providing a satisfying purchase experience, according to the JD Power U.S. Insurance Shopping Study. You can shop for coverage online, by phone, or through one of their many local Alabama-based insurance agents.
Additionally, owner-occupied residences make up 70% of housing units in Alabama, according to census data. Allstate notes that you may save an average of 20% when bundling home and auto policies.
Pros
Highly rated purchase experience
Significant bundling discount
Affordable rates
Cons
Poor Trustpilot rating
Fewer coverage options than competitors
Agents only in the Birmingham area
USAA: Best for veterans
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
4.9
Best choice in AlabamaBased on 4,359 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Alabama for
Showing 8 reviews from Alabama driversSee all 1,732 USAA reviews
Verified Review
Reviewed in Alabama on August 26, 2026
Fortunately, I haven't had to use it, but so far it's affordable and hassle-free.
Verified Review
Reviewed in Alabama on August 5, 2026
Great.
Verified Review
Reviewed in Alabama on July 21, 2026
I had problems with SafeDriving. I drove 3 miles to work and 3 miles back home without using my phone, but SafeDriving said I used my phone 28 times. And when I removed the app from my phone, it was still tracking me even though the SafeDriving app had been removed.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Alabama has more than 370,000 veterans, placing it among the states with the largest veteran populations.[1] USAA provides policies exclusively to military members and veterans and offers some of the cheapest car insurance in Alabama. It has low rates for both liability only and full coverage.
USAA is best for veterans looking for cheap car insurance in Alabama due to its low rates and discounts for safe driving.
Pros
Very affordable rates
New-vehicle discount
Above-average JD Power customer satisfaction rating in the Southeast region
Cons
Poor Trustpilot rating
Available only to the military community
Lower bundling discount than competitors
National General: Best for high-risk drivers
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
3.8
A solid option in AlabamaBased on 1,582 verified driver reviews and ratings
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
Based on analysis of verified reviews collected by Insurify
Best in Alabama for
Showing 3 reviews from Alabama drivers
Verified Review
Reviewed in Alabama on July 3, 2026
Too expensive for a senior citizen who drives very little.
Verified Purchase
Reviewed in Alabama on March 3, 2026
Always professional.
Verified Review
Reviewed in Alabama on January 5, 2026
They have the cheapest rates around, and believe me, I've checked a lot of others.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
602
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
In Alabama, 5% of drivers have a speeding ticket, 5% have an at-fault accident, and 0.5% have a driving under the influence (DUI) conviction, according to Insurify data. Whether it’s a DUI, speeding, distracted driving, or reckless driving, it can put others in danger and increase rates.
If you have a DUI conviction or other risky incidents on your driving record, National General may be a good choice. The company has very low rates, an emergency expense allowance, and lifetime repair guarantees.
Pros
Affordable rates for high-risk drivers
Plenty of agents across the state
A+ Better Business Bureau rating
Cons
Poor Trustpilot rating
Gap insurance not available
Rideshare coverage not available
How we chose the best car insurance companies in Alabama
Our editorial team analyzed regional and national auto insurance companies that sell policies in Alabama to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Average cost of car insurance in Alabama
The average cost of car insurance in Alabama is $104 per month, according to Insurify data. That’s lower than the national average of $143 per month. Rates in the Yellowhammer State may be lower, as 58 out of 67 counties in Alabama are rural, according to the Alabama Department of Public Health. These areas may have less traffic congestion.
But inflation, uninsured motorists, and serious motor vehicle crashes in Alabama can all hike up rates.[2] Projections from Insurify show that Alabama car insurance rates may see a modest increase of 0.6%, or $10, by the second half of 2026.
Find Cheap Car Insurance in Alabama
Liability quotes start at $40/mo.
Excellent
4.7 out of 5 based on 18,097 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Alabama
To get the best car insurance in Alabama, keep these tips in mind:
Carry at least the minimum coverage
Alabama requires drivers to carry a minimum amount of insurance with bodily injury limits of $25,000 per person and $50,000 per accident, plus $25,000 in property damage liability per accident.[3] Getting higher limits can provide more robust protection.
Consider full coverage
For more security, consider full coverage, which includes comprehensive coverage and collision coverage. Alabama is vulnerable to flooding, hurricanes, and tornadoes, and the state saw more than 140,000 crashes in 2024.[4]
Check Alabama auto insurance discounts
Many insurers provide discounts for bundling auto and homeowners insurance, keeping a clean record, or completing a defensive driving course. For example, Alabama-based car insurance company Alfa offers defensive driving discounts to drivers in the state who are 55 and older. The company also has a good student discount and gives young drivers in Alabama a discount for passing the youth defensive driver test.
Get online quotes
Compare various car insurance companies and get online quotes. Consider both national insurers, like GEICO and Progressive, and local insurers, like Alfa.
Best car insurance in Alabama FAQs
If you have more questions about finding the best car insurance in Alabama, check out the answers below.
What car insurance company is the best in Alabama?
The best auto insurance company for you depends on your coverage needs and driving history. But Progressive, National General, USAA, Allstate, and Auto-Owners top our list.
What auto insurer has the lowest auto insurance rates in Alabama?
The auto insurer with the lowest auto insurance rate in Alabama is National General. State-minimum coverage from the company averages $40 per month.
Why is Alabama car insurance so high?
On average, car insurance costs $104 per month in Alabama, according to Insurify data. But rates may increase due to the larger population of uninsured motorists, higher instances of motor vehicle crash fatalities, and a high number of crashes overall.
What car insurance is mandatory in Alabama?
In Alabama, drivers must carry minimum limits of liability insurance, according to the state’s department of insurance. This includes $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability coverage per accident.
Sources
- AL Military Stability Foundation. "Statewide Initiative in Alabama Provides Immediate Mental Health Support for Veterans."
- Iihs.org. "State by state."
- ALDOI. "Automobile Insurance FAQs."
- Alabama Department of Transportation. "2024 Crash Facts."
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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.
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Drivers in Alabama pay an average of $1,247 per year for car insurance.
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.
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.
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
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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.
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Cheap Car Insurance Quotes in Auburn, Alabama (November 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 (November 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 (November 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 (November 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 (November 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 (November 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.
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Cheap Car Insurance Quotes in Montgomery (November 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.
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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: Melanie LockertInsurance, Personal Finance Writer
Writer: Melanie LockertInsurance, Personal Finance Writer
Qualifications:
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.