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How much does car insurance cost in Alabama?

Alabama cable car policy rates are calculated based on numerous factors in summation to location. Your long time, sex, marital condition, vehicle and driving history all affect your premium. other variables such as the number of miles compulsive and credit grade are besides used. Since all of these factors hold a different slant with each carrier, it is even more significant to compare multiple carriers to ensure you are getting the best pace for your fiscal site,

The average cost of insurance in the U.S. is $ 565 per year for minimum coverage and $ 1,674 for a wide coverage policy, which means Alabama ’ randomness modal rates align with the national modal .

Alabama car insurance rates by company

Comparing carriers gives you a snapshot of the best carriers in your area, specially if you need to find the cheaper insurance for your budget .

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Alfa $593 $2,138
Allstate $414 $1,313
American Independent $877 $3,110
Country Financial $408 $1,699
Donegal $798 $1,606
Farmers $406 $1,432
Geico $322 $1,423
MetLife $884 $2,441
Progressive $516 $1,573
Safeway $492 $1,825
State Farm $449 $1,470
Travelers $374 $1,071
USAA $361 $1,230

Alabama car insurance rates by city

not only does the state where you live influence the total you pay for premiums, but thus does the claim zip up code where you live and largely force. These rates greatly deviate even among the crown 20 cities by population in Alabama .

City Average annual premium for full coverage % increase in average annual premium
Birmingham $1,764 9%
Montgomery $1,642 1%
Mobile $1,750 8%
Huntsville $1,581 -3%
Tuscaloosa $1,636 1%
Dothan $1,527 -6%
Madison $1,542 -5%
Decatur $1,522 -6%
Hoover $1,646 1%
Auburn $1,543 -5%
Bessemer $1,730 7%
Florence $1,514 -7%
Phenix City $1,726 6%
Gadsden $1,586 -2%
Vestavia Hills $1,669 3%
Prattville $1,625 0%
Trussville $1,716 6%
Enterprise $1,519 -6%
Opelika $1,564 -4%
Northport $1,637 1%

Alabama car insurance rates by age

Age is a major factor when it comes to car policy premiums, and it ’ s the like in Alabama. typically, as you get older, your premiums can decrease, as you can see with these average full moon coverage premiums. *The premiums for a 16-year previous were calculated based on being added to the rear ’ south policy

Alabama car insurance rates by driving record

As you might expect, a moving vehicle violation, such as a speed slate or accident, leads to an increase in premiums in Alabama. A DUI conviction is likely to increase your agio importantly .

Driving incident Average annual full coverage premium in Alabama % increase in average annual premium
Speeding ticket $1,959 17%
Accident $2,393 32%
DUI $3,121 48%

How to save on car insurance in Alabama

There are respective ways to save on car insurance in Alabama, some of which require fiddling to no clock time or effort to access the savings .

  • Shop around: Comparison shopping is a fantastic way to save on your policy. Rates vary from one company to another, and some offer rates hundreds of dollars more or less than the next carrier. By shopping around, you can save money and get the exact coverage options you want for your policy.
  • Take advantage of discounts: Almost all carriers offer a wide range of discounts, which allows you to take advantage of more significant savings. These discounts come from simple tasks such as enrolling in paperless statements and setting up auto-pay. Or you can take a defensive driving class or install an app for monitoring your driving habits, all of which provide potential savings.
  • Bundle your policies: Often, one of the most significant discounts on a policy is to bundle it with the same carrier you use for your homeowners/renters/condo.
  • Raise your deductible: The higher your deductible, the lower your premiums will be. However, keep in mind that a higher deductible means you pay more money out of pocket should you need to file a claim.
  • Improve your credit score: While this may be a long-term approach, improving your credit score will usually positively impact your premiums. A higher score means you pay less for your premiums since you are considered less of a financial risk to the carrier.

Frequently asked questions

Is uninsured motorist coverage required in Alabama?

No, it is not a prerequisite to purchase uninsured or underinsured motorist coverage in Alabama. however, Alabama presently ranks 7th overall for the highest count of uninsured drivers, with over 19 % of the residents driving uninsured. Adding this optional coverage could provide extra payments for vehicle price or checkup payments if you are involved in an accident with person without indemnity .

How much will I pay for car insurance in Alabama?

In Alabama, car insurance rates depend on diverse personal factors, including your age, energy code, gender, fomite type, daily miles drive, and credit sexual conquest. Your rates are specific to you and can only be determined by receiving a quotation mark — preferably from multiple carriers — to find the best cost and coverage options.

Is Alabama a no-fault state?

No, Alabama is not a no-fault state and rather is considered an at-fault one. An at-fault state of matter means the policy company of the person ruled at blame for the accident has to pay for property price and/or medical payments for the other driver or drivers involved. This is yet another argue to make indisputable you have adequate policy coverage in font you are the responsible party .


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving commemorate, good credit rating and the surveil broad coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimum coverages that meet each express ’ s requirements. Our infrastructure profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually .

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