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Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Alabama insurance companies may consider drivers with one or more recent speeding tickets, at-fault accidents, or DUIs to be high-risk drivers. Insurers know these drivers are statistically more likely to file insurance claims, which is why high-risk drivers typically pay more for auto insurance.
On average, car insurance for high-risk drivers in Alabama costs $122 per month, and drivers with clean records pay a monthly average of only $97.
Even if insurance companies consider you a high-risk driver, you can still find affordable insurance. Here’s what you need to know about finding car insurance as a high-risk driver in Alabama.
On average, high-risk drivers with a past incident pay $82 per month for liability coverage and $163 for full-coverage insurance in Alabama.
Receiving 12 or more points on your Alabama driver’s license within 24 months will result in a license suspension.[1]
Two years after a traffic conviction, the points from your conviction no longer count toward a suspension, but the conviction remains on your record.
Who is a high-risk driver in Alabama?
Insurance companies may consider you a high-risk driver if you have a poor credit history or a driving record with past incidents, such as speeding tickets, at-fault accidents, and DUIs.
Alabama state law uses a system of demerit points for traffic violations. For example, the state assigns six points for reckless driving, but only two points for failing to use a turn signal.
Any Alabama driver who receives 12 or more points in a two-year period will have their license suspended for a minimum of 60 days and a maximum of one year. The length of suspension depends on the number of points received in the two-year period.
If you have points on your license, insurers may consider you a high-risk driver, even if your point total doesn’t meet the Alabama license suspension threshold.
Best Alabama auto insurance companies for high-risk drivers
How much you pay for high-risk Alabama auto insurance can vary depending on the traffic violations on your driving record, your coverage needs, the insurance company, and more.[2] The best way to find cheap car insurance for your specific situation is by comparing auto insurance quotes from multiple insurers.
Start your comparison shopping below with three of the best car insurance companies for high-risk drivers in Alabama: State Farm, USAA, and Auto-Owners.
State Farm: Best for affordable rates
User Reviews | 4.1 |
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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. | 9.3 /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. | $56/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 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
High-risk drivers in Alabama may find some of the lowest average rates with State Farm. Although you’ll pay more for your State Farm policy than a driver with a clean record would, the company’s average rate for high-risk drivers is among the lowest in the state. State Farm also offers a number of discounts that can help you afford your insurance premiums.
Above-average J.D. Power customer claims and satisfaction ratings
Multiple discounts available
Robust menu of coverage options
Not all drivers with incidents may qualify for insurance
No accident forgiveness coverage
Must get insurance through an agent
USAA: Best for military members
User Reviews | 4.9 |
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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 |