This content is powered by HomeInsurance.com, a accredited insurance manufacturer ( NPN : 8781838 ) and a corporate consort of Bankrate.com. HomeInsurance.com LLC services are lone available in states were it is licensed and indemnity coverage through HomeInsurance.com may not be available in all states. All indemnity products are governed by the terms in the applicable policy policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the exclusive province of the cover insurance company. The information on this web site does not modify any indemnity policy terms in any manner. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of patronize products and, services, or by you clicking on certain links posted on our web site. consequently, this compensation may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected credit score range can besides impact how and where products appear on this locate. While we strive to provide a wide roll offers, Bankrate does not include information about every fiscal or credit product or service. We ’ re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate follows a rigorous editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. The subject created by our editorial staff is objective, factual, and not influenced by our advertisers.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our goal is to give you the best advice to help you make ache personal finance decisions. We follow hard-and-fast guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. thus, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your entrust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in invest to ensure that happens. Our editors and reporters thoroughly fact-check column subject to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our column team. Our column team does not receive conduct recompense from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ ra putting your interests first base. Our award-winning editors and reporters create honest and accurate subject to help you make the right field fiscal decisions. All providers discussed on our locate are vetted based on the respect they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy inaugural. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer servicing, policy features and savings opportunities — therefore you can feel confident about which supplier is correct for you. Bankrate follows a nonindulgent column policy, so you can trust that we ’ ra putting your interests first. All of our content is authored by highly certified professionals and reviewed by subject topic experts, who ensure everything we publish is objective, accurate and desirable of your trust. Founded in 1976, Bankrate has a hanker cut record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. There are over four million licensed drivers in Alabama, according to the 2018 U.S. Department of Transportation Highway Statistics. Since drivers are legally required to carry indemnity, learning about cable car indemnity rates in Alabama could be a helpful budget cock for drivers in the Cotton State. The average monetary value of cable car policy in Alabama is $ 469 for minimum coverage on an annual basis and $ 1,623 for a full coverage policy, but what you pay will depend heavily on your driving habits and circumstances .

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 .

Methodology

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 .

Leave a Reply

Your email address will not be published. Required fields are marked *