Cheap Full-Coverage Car Insurance in Alabama From $91/mo.

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Updated September 28, 2026

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Quick Facts

Full-coverage car insurance in Alabama costs an average of $1,695 per year.
Full-coverage car insurance in Alabama is less than the national average of $2,241 per year.
The cheapest insurer for full-coverage car insurance in Alabama is National General. USAA and Auto-Owners also have low premiums.

Cheapest full-coverage car insurance in Alabama

Full-coverage car insurance in Alabama costs an average of $141 per month, according to Insurify data. The cheapest car company for full coverage is currently National General, with an average monthly premium of $91.

See the table below for a full list of the cheapest full-coverage car insurers in Alabama.

The below rates in Alabama are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.

Insurance Company	Average Monthly Quote: Full Coverage
National General	$91
USAA	$93
Auto-Owners	$94
State Farm	$94
Allstate	$99
Progressive	$102
Country Financial	$104
Direct Auto	$111
AssuranceAmerica	$124
Travelers	$128
GEICO	$140
The General	$144
Trexis	$158
Safeco	$164
Farmers	$173
Bristol West	$174
First Acceptance	$177
Root	$179
GAINSCO	$194
Liberty Mutual	$206
Dairyland	$219

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.

How much is full-coverage insurance in Alabama?

The average cost of full-coverage car insurance in Alabama is $141 per month. This is quite a bit more affordable than the national average, which sits at $187 per month, according to Insurify data.

Many factors affect the cost of full-coverage car insurance, including your car, driving record, location, and age and gender. For example, young drivers pay more for insurance than senior drivers.

Medical and legal costs can also factor in, which may be why Alabama’s average premiums fall under the national average. Alabama’s auto litigation costs are much lower than those of many other states, according to research by the U.S. Chamber of Commerce Institute for Legal Reform.

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Full-coverage policies average $141/mo.

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How to find cheap full-coverage car insurance in Alabama

Use these strategies to make sure you get the cheapest car insurance in Alabama possible:

Shop around for your insurer. Car insurance rates can vary by company, so it’s important to get quotes from several Alabama car insurance companies. Getting at least three can ensure you snag the best deal.
Bundle your policy. Many insurers offer a bundling or multi-policy discount, which gives you a reduced rate if you have more than one insurance policy with them. You can qualify for these by getting your car insurance from the same company you have your homeowners or renters insurance with.
Look for discounts. Insurance companies often offer discounts for qualifying policyholders. You may be able to get one by getting good grades, completing a defensive driving course, or insuring more than one car. You may also be eligible for an affiliation-based car insurance discount, such as a discount for being a University of Alabama alumnus or a member of the Auburn University Credit Union.
Improve your credit. Alabama insurance companies can use your credit-based insurance score when setting your insurance rates.^[1] Improving your credit may help you qualify for a lower premium, while bad credit can do the opposite.
Drive safely. High-risk drivers pay more for car insurance than drivers with a clean record. Keeping your driving record clean of at-fault accidents, driving under the influence (DUI) convictions, speeding tickets, and other incidents can help.

You could also choose to purchase just minimum liability coverage rather than a full-coverage policy, and skip extras like uninsured motorist coverage and roadside assistance. Choosing a higher deductible can help, too — as can opting for a pay-per-mile policy.

What full-coverage car insurance covers

“Full coverage” isn’t a specific type of car insurance coverage. It simply means that you’re insured with liability, comprehensive, and collision coverage on your vehicle.

Here’s what those three coverages entail:

Liability coverage
Liability insurance covers you for any injuries or property damage you cause in an accident.
Comprehensive coverage
Comprehensive insurance covers you if someone steals your car or vandalizes it, you hit an animal, or your car suffers damage due to fire, flooding, or other weather event or natural disaster. In 2024, 1,562 crashes in Alabama involved wildlife.^[2]Comprehensive insurance can help pay to repair your vehicle if you collide with a deer.
Collision coverage
Collision insurance covers damage to your vehicle if you’re in an accident.

Car insurance requirements in Alabama

Like many other states, Alabama requires drivers to carry a minimum amount of liability car insurance.

The current Alabama auto insurance minimums are:^[3]

Bodily injury liability: You’ll need at least $25,000 in bodily injury liability coverage per person and $50,000 per accident. This covers the costs associated with any injuries or deaths that you cause as a driver.
Property damage liability: You’ll also need at least $25,000 in property damage liability per accident. This covers damage you cause to other vehicles or property that’s not your own, such as a fence or utility pole.

You may see insurers and experts refer to these requirements as “25/50/25.” And while they’re the minimums set by the state, many insurance professionals recommend higher coverage limits, especially as medical, legal, and car repair costs rise.

Minimum vs. full-coverage car insurance in Alabama

Cost is only one part of the equation. While you’ll pay less for liability-only insurance in Alabama, full-coverage car insurance may be worth the extra cost in some scenarios. It depends on what sort of protection you’re looking for, your level of risk, and other factors.

Here’s what to keep in mind when deciding which policy type to choose for your vehicle.

Factor	Liability Only	Full Coverage
Average cost in Alabama	$66	$141
Covers damage to your own car?	No	Yes
Covers damage to other car?	Yes	Yes
Covers damage from natural disasters and weather, such as flooding?	No	Yes
Covers pothole damage and broken windshields?	No	Yes
Covers theft and vandalism?	No	Yes

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.

Is full-coverage car insurance worth it in Alabama?

Having full-coverage car insurance may be worth it in Alabama if you’re in an area particularly prone to natural disasters, harsh weather, or potholes. You may also want full coverage if there’s a likelihood that someone will steal or vandalize your vehicle based on your location or, potentially, its make and model.

In Alabama, the most stolen vehicles are the Hyundai Sonata, the Chevrolet Silverado 1500, the Ford F-150 Series, the Hyundai Elantra, and the Honda Accord, according to Insurify data.

You also may want full coverage if you want to make sure you’re not on the hook financially for repairing your car or paying for medical bills if you’re in an accident.

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Pros and cons of full-coverage car insurance in Alabama

Pros

Covers damage to your own vehicle
Protects against natural disasters and weather events
Covers windshield and pothole damage

Cons

Costs more
May not be necessary if you drive an older, paid-off vehicle
Isn’t all-inclusive (other add-on coverages go beyond it)

Full-coverage car insurance in Alabama FAQs

If you’re shopping for full-coverage car insurance in Alabama, the additional information below can help as you research your coverage options.

Which company offers the cheapest full coverage in Alabama?

The cheapest insurer for full-coverage car insurance in Alabama is National General, with policies averaging $91 monthly. USAA and Auto-Owners also offer low premiums, according to Insurify data.

What’s the difference between liability and full coverage?

Liability insurance covers damage you cause to other vehicles and the medical bills and legal costs of other drivers or passengers hurt in an accident. With full coverage, your insurance extends to your vehicle, drivers, and passengers.

What factors affect car insurance rates in Alabama?

A variety of factors influence car insurance rates, including the car you drive, your driving record, your age and gender, where you live, and more.

What happens if you get pulled over for driving without insurance in Alabama?

If you fail to comply with Alabama’s minimum car insurance laws, you could owe a fine of up to $1,000, and the state could suspend your driver’s license and vehicle registration.

Sources

Alabama Department of Insurance. "How Credit-Based Insurance Scores Impact Your Premium."
AL.com. "Watch out for deer on Alabama roads: Vehicle vs. wildlife crashes rise this time of year."
Alabama Department of Insurance. "Automobile Insurance FAQs."

Methodology

Insurify data scientists analyzed more than 250 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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to: