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Alabama Car Insurance for High Risk Drivers (With Quotes)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Doug Shaffer
Written by
Doug Shaffer
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Written by
Doug Shaffer
Insurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 7, 2022

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.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$146
SafeAuto$173
National General$175
GAINSCO$187
Direct Auto$188
Nationwide$219
Safeco Insurance$222
AssuranceAmerica$234
Bristol West$277
Midvale Home & Auto$286

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.

Alabama Car Insurance Rates for High-Risk Drivers

No Violation
$183
Failure to Stop
$233
Speeding Ticket
$248
Reckless Driving
$252
At-Fault Accident
$261

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.

Driving HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$183
Speeding Ticket$248
At-Fault Accident$261
Reckless Driving$252
Failure to Stop$233

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.

No Violation - Avg. Monthly Rate
$183
Speeding ticket - Avg. Monthly Rate
$248
$65 ▴
Avg. Monthly Rate Increase

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.

No Violation - Avg. Monthly Rate
$183
Speeding ticket - Avg. Monthly Rate
$261
$78 ▴
Avg. Monthly Rate Increase

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.

No Violation - Avg. Monthly Rate
$183
Speeding ticket - Avg. Monthly Rate
$233
$50 ▴
Avg. Monthly Rate Increase

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.

Tips for Researching High-Risk Alabama Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Alabama draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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FAQs - Alabama Car Insurance

  • 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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Doug Shaffer
Written by
Doug Shaffer

Insurance Writer

Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.