Alabama Car Insurance for High Risk Drivers (With Quotes)

Cheapest Insurance Companies for High Risk Drivers in Alabama (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in Alabama.

What Makes a Driver High-Risk in Alabama?

Auto insurance providers in Alabama naturally assume some level of risk each time they take on a new customer. The amount of risk they accept with a driver is normally based on their driving record. A history full of violations can lead to a motorist being labeled as a high-risk driver and result in higher premium payments.

Violations and numerous insurance claims are two common ways that customers can be pegged as high-risk drivers in Alabama. Typically, violations such as reckless driving, speeding, DUI/DWI convictions, and multiple at-fault accidents are the most heavily looked at. With the increased rates that come with a high-risk driver tag, shopping around for quotes is a good way to get coverage at an affordable price.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Alabama?

Having a high-risk driving violation isn't something that anyone plans on, but things happen. Sometimes, we drive a little too fast or we change lanes without signaling. However, no matter the reason, high-risk driving can have a significant impact on the average monthly cost of auto insurance.

For instance, drivers in Alabama typically pay $183 per month for coverage, but with a high-risk violation, that price can increase as high as $261. At-fault accidents carry the largest penalty, with an increase of $78 a month for coverage. Shopping around for coverage can often help alleviate some of the additional costs that come with violations.

How Much Does a Speeding Ticket Impact Car Insurance Rates in Alabama?

Speeding tickets in Alabama can result in drivers paying on average $65 more a month for coverage. One reason for the significant increase in price is that speeding tickets are often seen as a prelude to other risky behaviors. Depending on the speed at the time of the violation, it can even be classified as reckless driving in some cases.

How Does an at-Fault Accident Impact Insurance Rates in Alabama?

Being involved in an at-fault accident can significantly impact your financial health through increased auto insurance monthly payments. On average, drivers with an at-fault accident pay $78 more for coverage than their fellow drivers who don't have an accident on their record. If you have one of these violations, shopping around for quotes could help trim some of the additional costs.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Alabama?

Failing to come to a complete stop for a red light or a stop sign can negatively impact your car insurance rates. Average monthly rates climb to $233 when you add in a failure-to-stop violation. That is an increase of $50 a month, or $600 over the course of the year.

Does Driving With a Suspended License Impact Car Insurance Rates in Alabama?

Auto insurance providers in Alabama naturally assume some level of risk each time they take on a new customer. The amount of risk they accept with a driver is normally based on their driving record. A history full of violations can lead to a motorist being labeled as a high-risk driver and result in higher premium payments.

Violations and numerous insurance claims are two common ways that customers can be pegged as high-risk drivers in Alabama. Typically, violations such as reckless driving, speeding, DUI/DWI convictions, and multiple at-fault accidents are the most heavily looked at. With the increased rates that come with a high-risk driver tag, shopping around for quotes is a good way to get coverage at an affordable price.

Compare Top Auto Insurance Companies

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