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Cheap DUI Car Insurance in Alabama (With Quotes)
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For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.
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 a DUI in Alabama.
In Alabama, a DUI or DWI offense will on average have drivers paying $335 per month and $4,020 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 86% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
DUIs bring enough trouble in terms of fines, reinstatement fees, and charges for everything from court-ordered classes to ignition interlock devices. However, the impact of one lousy driving decision carries far beyond just the penalties handed down by the state. Car insurance pricing takes a critical hit, one you should consider before renewing your policy.
Once the insurance company discovers your DUI, rates increase by 86 percent (on average) in Alabama. You'll pay an average premium of $335—that's $155 more than you spent before your conviction. Remember, these are averages. The best way to find the most individualized rate is to shop around.
|No Violation - Avg. Monthly Rate||After DUI - Avg. Monthly Rate||Average Percent Increase After DUI|
Alabama ranks as the 34th most expensive state in which to buy auto insurance with a DUI. Premiums for drivers in this state average out to $335 a month. If that sounds high, that's because it is. Your new insurance cost is an 86 percent increase over what non-DUI drivers have to pay.
Residents in neighboring Georgia pay even more monthly for the same coverage. In this 11th most expensive state, motorists are looking at a rate that is hundreds of dollars more than Alabama drivers pay.
|Alabama After DUI Avg. Monthly Rate||Most Expensive State for DUI (1-50)|
Wondering how long that DUI will haunt you? Alabama motorists should know that the lookback period for a DUI in this state is 10 years. While DUI always remains on your record, the states only look back for that length of time when handing down penalties for future DUIs.
For example, if you get two DUIs within five years of each other, these are counted as your first and second offense. However, the same DUIs 10 years apart are not viewed in that manner. The state disregards the first DUI because it happened at least 10 years ago.
The state bases penalties for DUIs on prior convictions, blood alcohol content, and age (among other things). In general, DUI penalties include fines, imprisonment, license suspension, community service, having an ignition interlock device on your vehicle, and participation in a substance abuse program. The maximum penalties for a third DUI offense include fines of up to $10,000, a year in jail (including hard labor), and a three-year license suspension.
Alabama hands down double the minimum sentence in the following situations : having a blood alcohol content greater than .14 and having a child in your vehicle at the time of your arrest.
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. See All Auto Insurance Companies
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.
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.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.