Cheapest Auto Insurance in Alabama (2026)
The cheapest car insurance company in Alabama is National General, with monthly liability-rates averaging $45.
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Jacqueline DeMarcoFreelance Insurance Writer
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
- Cheapest car insurance companies in AL
- Calculate car insurance in AL
- Get affordable car insurance in AL
- Liability-only car insurance in AL
- Full-coverage car insurance in AL
- AL car insurance requirements
- Car insurance quotes by age
- Car insurance quotes by history
- How rates have changed in AL
- FAQs
Table of contents
Car insurance in Alabama is cheaper than the national average. Alabama’s comparatively low population density and its midsize population may contribute to the state’s lower car insurance costs.
On average, Alabama drivers pay $128 per month for full-coverage auto insurance and $68 per month for liability-only coverage.
Comparing quotes from several different companies is the best way to find a policy that meets your coverage needs and budget.
Quick Facts
National General, USAA, and Auto-Owners offer the cheapest car insurance coverage in Alabama.
A full-coverage car insurance policy costs Alabama drivers $1,541 per year, on average.
The minimum car insurance requirements in Alabama are $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
3 of the cheapest car insurance companies in Alabama
Which auto insurance company is right for you will depend on your individual situation and needs. But to help you jump-start your research, here are the top car insurance companies for Alabama drivers.
Direct Auto
| 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 |
|---|---|
| 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. | 8.3 /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. | $57/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. | $104/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (446)
Julicia
Verified Review
Direct Auto Review
Reviewed in Washington on February 9, 2026
The insurance price changed with no warning or explanation and went up by $50. The claim was handled too lightly, and they basically said my insurance doesn’t cover anything, so I have to pay for my car’s damages myself when someone rear-ended me.
Christopher
Verified Purchase
Very professional helpful customer service
Reviewed in North Carolina on February 9, 2026
Excellent
Adam
Verified Review
Switching
Reviewed in Kansas on February 7, 2026
Switching to Progressive, not happy with the rate. Adding a car and renters insurance makes it cheaper than one car with Direct.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
AWhy we picked this company
For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. The company also provides standard coverage policies. Today, Direct Auto sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans.
Direct Auto operates in just 16 states. The company has an A+ rating from AM Best for financial and credit strength but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.
Pros
Drivers 55 and older can qualify for a senior citizen discount by completing an accident-prevention course
Homeowner discounts, multi-policy discounts, and multi-car discounts available
Roadside assistance and emergency protection plans available
Cons
Not all products and discounts available in all states
Many negative customer reviews and complaints
May not be the best option for drivers with clean records
National General
| User Reviews | 3.7 |
|---|---|
| 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. | $45/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. | $98/mo |
3.7
A solid optionBased on 943 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (359)
Denise
Verified Purchase
Awesome
Reviewed in Michigan on February 11, 2026
My experience with National General has been awesome.
Timothy
Verified Review
Loving National General
Reviewed in Oregon on February 10, 2026
Amazing
Faith
Verified Review
Too expensive for a 67-year-old woman!
Reviewed in Pennsylvania on February 10, 2026
Still seeking other insurance companies because of high costs.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.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
National General is part of Allstate. The company offers personal and commercial car insurance, home insurance, renters coverage, and more through a nationwide network of independent agents. National General offers liability, collision, and comprehensive auto insurance.
The company has an excellent A- rating from AM Best for financial strength and long-term credit, meaning National General should be able to pay policyholder claims. But it has nearly six times the expected number of complaints in the NAIC Complaint Index.
Pros
Has 24-hour claims processing
Offers $500 emergency expense allowance
Low-mileage drivers could save with DynamicDrive program
Cons
Poor customer reviews with Better Business Bureau
Quotes may be higher than some competitors
Negative Trustpilot score of 1.6/5
USAA
| 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. | $51/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 choiceBased on 2,909 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,443)
David
Verified Review
No updates
Reviewed in Pennsylvania on February 10, 2026
I have had no claims, so there is no new information to share.
Ken
Verified Review
USAA rate increase without explanation
Reviewed in Georgia on February 10, 2026
With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!
Larry
Verified Review
Disappointed
Reviewed in Nebraska on February 10, 2026
USAA has good prices on policies. When filing a claim a few years back, the only thing that stood out to me after the process was what the claim representative said: "We don’t legally have to do any more than that." It was a grey area that they would not even discuss.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more.
Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the company ranked best in most regions in J.D. Power’s 2024 U.S. Auto Insurance Study.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with a discount of up to 30%
Cons
Available only to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
Direct Auto vs. National General and USAA
If you’re shopping for car insurance in Alabama, see how these three companies compare.
| | |
|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $81/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $72/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $72/mo* |
Overall rating 3.0 | Overall rating 3.7 | Overall rating 4.9 |
Value for money 3.1/5 | Value for money 3.0/5 | Value for money 4.9/5 |
Customer service 3.0/5 | Customer service 2.7/5 | Customer service 4.8/5 |
Claims handling 3.0/5 | Claims handling 3.2/5 | Claims handling 4.9/5 |
Special highlight High-risk driversAI-generated from 446 user reviews | Special highlight SR-22 insuranceAI-generated from 359 user reviews | Special highlight Members of the military communityAI-generated from 1443 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Alabama car insurance calculator
Car insurance premiums in Alabama depend on several factors, like your age, your credit history, and what type of vehicle you drive. Use the tool below to estimate how much you might pay for car insurance and see how your current rate compares to what similar drivers pay for coverage.
ESTIMATED RATE: $174 per month
40.3% of similar drivers pay less for coverage. Save up to $1272 per year by comparing quotes!
Quoted premiums and averages sourced from Insurify's database of more than 97 million car insurance quotes from 120+ partner providers. Actual rates may vary based on each policy buyer's unique driver profile.
How to get the cheapest car insurance in Alabama
Many factors influence how much you pay for car insurance coverage in Alabama. If you’re curious about how to snag affordable car insurance in Alabama, consider these tips:
Drive safely. A clean driving record is key — avoid accidents and traffic violations to show insurance companies you aren’t likely to file claims.
Raise your deductible. Assess whether higher collision and comprehensive deductibles suit your financial situation, as a higher deductible leads to lower premiums.
Bundle policies. Maximize savings by bundling multiple policies (like home or life insurance) with a single insurance company.
Look into discounts. Ask about discounts tied to safety features, like anti-theft devices or airbags.
Shop around. Compare quotes from different insurers to see which company can offer you the amount of coverage you need for the best price.
Find Car Insurance in Alabama
Rates start as low as $45 per month for liability coverage
Excellent
4.7 out of 5 based on 11,762 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance quotes in Alabama: National General
Liability-only coverage ensures protection against liability for injuries and damages you cause to others and excludes coverage for your vehicle and injuries.
This type of insurance typically includes bodily injury liability, covering medical expenses and legal fees resulting from injuries to others, and property damage liability, which handles repairs or replacement of damaged property.
Alabama drivers pay a monthly average of $68 for liability-only insurance.
If you’re interested in finding the insurance companies offering the cheapest average liability insurance policies in Alabama, here are the top companies in the state.
The below rates in Alabama are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $45 |
| USAA | $51 |
| Auto-Owners | $51 |
| State Farm | $52 |
| Progressive | $55 |
| Allstate | $56 |
| COUNTRY Financial | $57 |
| Direct Auto | $57 |
| Travelers | $70 |
| AssuranceAmerica | $71 |
| The General | $71 |
| Bristol West | $76 |
| GEICO | $76 |
| GAINSCO | $86 |
| Nationwide | $88 |
| Farmers | $95 |
| Safeco | $96 |
| Hugo | $97 |
| Root | $103 |
| Dairyland | $107 |
| Liberty Mutual | $162 |
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Alabama: USAA
Liability-only insurance covers damages and injuries you cause to others, while full-coverage insurance includes additional protection for your vehicle. Full-coverage insurance includes collision and comprehensive coverage, which covers repairs, theft, and non-collision incidents. Full-coverage car insurance is particularly beneficial for drivers with newer or higher-value vehicles.
Full-coverage policies cost $128 per month, on average, for Alabama drivers.
Here are the companies with the cheapest average full-coverage policies in Alabama.
The below rates in Alabama are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $93 |
| State Farm | $94 |
| Auto-Owners | $94 |
| National General | $98 |
| Allstate | $101 |
| COUNTRY Financial | $103 |
| Direct Auto | $104 |
| Progressive | $126 |
| The General | $127 |
| Travelers | $128 |
| GEICO | $139 |
| AssuranceAmerica | $146 |
| Root | $158 |
| Nationwide | $159 |
| Safeco | $166 |
| Farmers | $173 |
| Bristol West | $185 |
| GAINSCO | $211 |
| Liberty Mutual | $218 |
| Dairyland | $313 |
Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Alabama
In Alabama, drivers must meet 25/50/25 minimum-coverage requirements.[1] Here’s how that coverage breaks down:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
Here are some examples of optional coverages you can buy:[2]
Collision coverage
Collision insurance reimburses you for car damage from collisions when you’re at fault, excluding mechanical failure and wear and tear. This coverage includes collisions with other vehicles and with objects like trees, fences, and light poles. It also covers rollover accidents.
Comprehensive coverage
Comprehensive insurance protects against theft and non-collision incidents, like fire, flood, vandalism, hail, and falling objects.
Glass coverage
This includes no-deductible windshield coverage, plus side windows, rear windows, and glass sunroofs.
Average cost of car insurance by age
The average cost of car insurance changes as you age. Teen drivers generally pay higher costs due to their lack of driving experience and higher accident risk.[3]
Rates typically decline around age 25 as drivers gain more experience and become less prone to accidents. But around age 70, senior drivers may see an uptick in their rates because of age-related risk factors, such as decreased vision, reaction time, and overall physical capabilities.[4]
The table below shows how much Alabama drivers pay for car insurance by age group.
Age Group | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Teen drivers | $137 | $259 |
| Adult drivers | $70 | $132 |
| Senior drivers | $61 | $114 |
Disclaimer: Table data is based on real-time Alabama quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest car insurance in Alabama by driving record
Some driving infractions can increase your insurance premiums significantly due to the concern that you’re more likely to file an auto insurance claim. These incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI), and other moving violations. But some violations have a greater effect — if you’re convicted of a DUI, your company may not renew your policy.[5]
In Alabama, drivers with a clean record spend an average of $68 on a liability policy, while drivers with a DUI spend an average of $93 per month.
Cheapest car insurance rates in AL with a speeding ticket
A single speeding ticket can increase your car insurance rates. The quotes shown below are for Alabama drivers with a speeding ticket.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in AL with an at-fault accident
Insurance companies may raise your rates after an at-fault accident. The quotes shown below are for Alabama drivers with an at-fault accident.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in AL with a DUI
Insurers consider you a high-risk driver if you have a DUI on your record. The quotes shown below are for Alabama drivers with a DUI.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in AL with an SR-22
High-risk drivers may need an SR-22 certificate to prove they meet their state’s minimum insurance requirements. The quotes shown below are for Alabama drivers with an SR-22.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Alabama within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
Cheap SR-22 Insurance in Alabama From $53
How car insurance rates have changed in Alabama
Full-coverage car insurance in Alabama rose to an average of more than $1,700 per year in 2024 — a 10% increase from 2023, an Insurify report found. Despite this increase, Alabama’s car insurance rates remain lower than the nationwide average.
In the chart below, you can see how car insurance rates have changed in Alabama over the past two years.
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.
Many individual rating factors influence your car insurance premium, including your ZIP code. The table below shows how average car insurance rates compare in Alabama cities.
The below rates in Alabama are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageDecatur $60 $114 Enterprise $63 $130 Dothan $63 $113 Auburn $63 $121 Oxford $65 $134 Huntsville $70 $125 Daphne $72 $124 Madison $73 $119 Tuscaloosa $74 $141 Mobile $78 $145 Montgomery $79 $144 Birmingham $81 $153 Disclaimer: Table data sourced from real-time Alabama car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alabama may vary based on the policy buyer's unique driver profile.
Alabama car insurance FAQs
If you’re looking for affordable car insurance in Alabama, this additional information may help. You can also check out Insurify’s guides on how to lower your car insurance premiums for more information on finding the cheapest insurance.
Car insurance in Alabama costs an average of $128 per month for full-coverage insurance and $68 per month for liability-only insurance.
National General, USAA, and Auto-Owners have the cheapest average liability rates in Alabama, according to Insurify data. National General’s liability rates start as low as $45 per month, while USAA and Auto-Owners offer rates as low as $51 and $51, respectively.
Even though these are the cheapest car insurance companies in the state, you should still compare quotes from multiple companies to see which one offers the best price for the coverage you need.
USAA, State Farm, and Auto-Owners are Insurify’s picks for best car insurance companies in Alabama. These insurers have high IQ Scores, above-average J.D. Power ratings, and affordable average rates.
No. Alabama is an at-fault state. Drivers who cause accidents, or carry the majority of the fault for an accident, are responsible for compensating other parties for injuries and property damage.[6]
Alabama requires insurance companies to include uninsured/underinsured motorist coverage in every policy they sell in the state, although drivers can opt out by rejecting it in writing.
But it’s a good idea to have UM/UIM coverage, which can help pay for your damages and medical costs if someone driving without insurance or with too little insurance causes an accident. It can also pay for costs associated with a hit-and-run accident.
In Alabama, 14.2% of drivers are uninsured, according to data from a 2022 Insurance Information Institute report.[7]
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- Alabama Department of Insurande. "Automobile Insurance FAQs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Nolo. "Alabama Car Insurance Laws."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
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Jacqueline DeMarcoFreelance Insurance Writer
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect health, relationships and career, Jacqueline realized just how important financial education is.
Jacqueline has been a contributor for Insurify since October 2022. She’s worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.