Car Insurance for High-Risk Drivers in Alabama (2025)
State Farm, USAA, and Auto-Owners are a few of the best car insurance companies for high-risk drivers in Alabama.
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Written byEmily Guy Birken
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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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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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Table of contents
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 $125 per month, and drivers with clean records pay a monthly average of only $100.
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.
Quick Facts
On average, high-risk drivers with a past incident pay $78 per month for liability coverage and $174 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 |
|---|---|
| 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. | $64/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. | $105/mo |
4.1
Best choiceBased on 11,215 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,026)
Jane
June 16, 2025
Verified Review
Looking for a Better Price
The cost is high and has increased by $80 since 2022.
Jeff
June 16, 2025
Verified Review
Good but at a cost.
They pay claims out without evaluating the evidence. While quick on the initial part of the claim, if it is more complex, it takes a bit longer (4 weeks to determine a totaled vehicle that was obvious to anyone who looked at it). Others are quick to assign blame without taking in evidence from you.
Vicki
June 16, 2025
Verified Review
Not happy with State Farm!
I have been with State Farm for many years. I am a senior with an excellent driving record, no tickets or accidents for over 20 years. Recently, their rates have skyrocketed, jumping by over $40 per month. I am actively shopping for another insurance company!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
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.
Pros
Above-average J.D. Power customer claims and satisfaction ratings
Multiple discounts available
Robust menu of coverage options
Cons
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 |
|---|---|
| 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. | $64/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 |
4.9
Best choiceBased on 2,094 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 (1,192)
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC 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
Alabama has a large military population, with nearly 40,000 active-duty and National Guard service members and more than 310,000 military veterans. USAA may be the best high-risk car insurance option for you if you’re one of these military members or a qualifying family member. USAA provides affordable insurance, including inexpensive coverage options for high-risk drivers who qualify for USAA’s products.
Pros
Excellent J.D. Power customer and claims satisfaction ratings
Access to banking and investment products, in addition to insurance
Savings of up to 30% with the SafePilot program
Cons
Gap insurance not available
Available only to military members, veterans, and qualifying family members
Low customer review rating on the Better Business Bureau (BBB) website
Auto-Owners: Best for customizable policies
| 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. | 8.2 /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. | $64/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 |
3.9
A solid optionBased on 199 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (119)
Roy
June 5, 2025
Verified Review
I don't have anything to add
Good company, but I didn't care for their premiums going up this year just for liability and roadside service.
Ann
June 1, 2025
Verified Review
Satisfaction
I like paying all at one time.
Jason
May 8, 2025
Verified Review
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
Regional insurance company Auto-Owners lets you customize your insurance with optional coverages like additional expense coverage, road-trouble service coverage, diminished value coverage, and loan or lease gap coverage. The company’s rates are among the lowest for Alabama high-risk drivers, and the company’s long list of potential discounts can help you save even more on your premiums.
Pros
Easily customizable with multiple optional coverages
Employs more than 48,000 licensed agents
Multiple discounts available
Cons
No online quotes available
Poor review score on the BBB website
Steep drop in J.D. Power claims satisfaction score from 2023 to 2024
When choosing the best car insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.
Cheapest car insurance in Alabama with an at-fault accident
If you have a recent at-fault accident on your record, Alabama insurers may consider you a high-risk driver and charge you higher rates. To find cheap car insurance rates after an at-fault accident, you should request quotes from several insurers.
Compare average quotes for liability and full-coverage insurance for Alabama drivers with a past at-fault accident in the table below.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| National General | $68 | $150 |
| Direct Auto | $76 | $176 |
| State Farm | $85 | $139 |
| Auto-Owners | $86 | $139 |
| USAA | $86 | $139 |
| Progressive | $92 | $155 |
| Allstate | $93 | $149 |
| COUNTRY Financial | $97 | $158 |
| Root | $103 | $180 |
| Bristol West | $106 | $275 |
| The General | $112 | $182 |
| AssuranceAmerica | $117 | $238 |
| Travelers | $118 | $191 |
| GAINSCO | $126 | $311 |
| Clearcover | $130 | $263 |
| Safeco | $141 | $249 |
| Nationwide | $148 | $238 |
| Dairyland | $151 | $430 |
| GEICO | $151 | $228 |
| Farmers | $159 | $257 |
| Liberty Mutual | $265 | $360 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Alabama
Liability rates start at $61 per month for drivers with an incident
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Cheapest car insurance in Alabama with a DUI
Under Alabama state law, you may have your driver’s license suspended for a first DUI offense and revoked after a second offense.[3] Insurers charge drivers with a recent DUI much higher premiums than drivers with clean records. A DUI is one of the most serious traffic violations a driver can receive a conviction for.
The companies below offer some of the cheapest rates to Alabama drivers with a DUI.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| National General | $69 | $153 |
| Direct Auto | $74 | $173 |
| State Farm | $87 | $142 |
| Auto-Owners | $87 | $141 |
| USAA | $87 | $141 |
| Progressive | $91 | $153 |
| Allstate | $95 | $151 |
| COUNTRY Financial | $96 | $156 |
| Root | $101 | $177 |
| Bristol West | $107 | $277 |
| The General | $110 | $177 |
| Clearcover | $118 | $238 |
| Travelers | $119 | $192 |
| AssuranceAmerica | $124 | $253 |
| GAINSCO | $131 | $323 |
| GEICO | $132 | $200 |
| Safeco | $141 | $250 |
| Nationwide | $149 | $239 |
| Dairyland | $153 | $436 |
| Farmers | $161 | $260 |
| Liberty Mutual | $264 | $358 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest auto insurance in Alabama with a speeding ticket
Alabama insurance companies charge drivers with speeding tickets more than drivers with clean records because speeding increases your chance of having an accident.[4] But you can find cheaper car insurance rates after a ticket by comparing quotes.
The companies in the table below offer some of the lowest average rates after a speeding ticket.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| National General | $66 | $145 |
| Direct Auto | $71 | $166 |
| State Farm | $82 | $134 |
| USAA | $82 | $134 |
| Auto-Owners | $83 | $135 |
| Progressive | $86 | $146 |
| Allstate | $90 | $144 |
| COUNTRY Financial | $92 | $150 |
| Bristol West | $103 | $267 |
| Root | $103 | $180 |
| The General | $110 | $177 |
| AssuranceAmerica | $114 | $233 |
| Travelers | $114 | $185 |
| Clearcover | $116 | $234 |
| GAINSCO | $119 | $294 |
| Safeco | $132 | $234 |
| Nationwide | $143 | $230 |
| GEICO | $145 | $220 |
| Dairyland | $146 | $415 |
| Farmers | $154 | $248 |
| Liberty Mutual | $258 | $350 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to find cheaper car insurance for high-risk drivers in Alabama
You can use the following strategies to lower your insurance rates as a high-risk driver:
Check for discounts. Many auto insurance companies offer discounts. Often, you can save by bundling your coverage, using auto pay, having certain vehicle safety features, and completing a defensive driving course. Check what discounts you qualify for as you request quotes.
Ask an insurance agent for expert advice. Independent insurance agents may help you identify cheap car insurance options if you feel like you don’t have a lot of companies to choose from.
Increase your deductible. Your deductible amount directly affects your monthly car insurance rate. If you can afford a higher out-of-pocket payment after a claim, consider increasing your deductible to help you save money on your premiums.
Shop around. Every insurance company uses a different calculation to determine your premiums, so comparing quotes from multiple insurance companies is one of the best strategies to help you find affordable coverage.
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How to improve your driving record in Alabama
Improving your driving record can help you earn lower car insurance rates. The following strategies can help you earn a clean record:
Stay safe behind the wheel
Convictions on your Alabama driving record stop counting toward a suspension after two years, but the points remain on your license. Driving safely not only protects you on the road but also helps you build a clean driving record, leading to lower insurance rates.
Hire a traffic attorney
If you need to contest your traffic violation or ticket, or you must appear in traffic court, a lawyer specializing in traffic law can help you navigate the situation.
Build your credit
Drivers with poor credit are statistically more likely to file insurance claims. Increasing your credit score can not only help you improve your finances in general but may also help you lower your car insurance premiums.
Alabama high-risk drivers insurance FAQs
If you’re looking for affordable high-risk car insurance in Alabama, the following information can help answer your remaining questions.
Which drivers are high-risk in Alabama?
If you have a recent speeding ticket, at-fault accident, DUI, or another traffic infraction that added points to your driving record, Alabama insurers may consider you a high-risk driver. If you receive more than 12 points on your driver’s license in a two-year period, you may face license suspension.
How do auto insurance companies calculate risk in Alabama?
Insurance companies in Alabama assess a driver’s risk level by looking at several factors, including driving record, driver’s license points, claims history, credit history, location, and age.
What is the cheapest insurance company for Alabama high-risk drivers?
The Alabama insurers with the lowest average costs for high-risk drivers are National General, Direct Auto, and State Farm. But the cheapest company for you may be different, since rates depend on your specific driving history, traffic violations, and other personal factors.
How much does high-risk auto insurance cost in Alabama?
Alabama drivers with an incident on their driving record pay an average of $78 per month for liability coverage and $174 for full-coverage insurance, Insurify data shows. Just remember that the cost of high-risk auto insurance in Alabama will vary from one driver to the next.
How long are you considered a high-risk driver for insurance in Alabama?
Points on your Alabama driving record stop counting toward a suspension after two years, although the conviction will remain on your record beyond then. Depending on the severity of the violation, insurers may consider you high-risk for longer than two years.
Methodology
Insurify data scientists analyzed more than 90 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 Law Enforcement Agency. "Driver License Point System."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Alabama Law Enforcement Agency. "Alabama Driver Manual."
- Insurance Institute for Highway Safety. "Speed."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ 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.
Featured in