The best car insurance in Alabama

The average cost of full coverage car insurance policy in Alabama is $1,726, but everything from your age and address to your credit score and past driving history will play a role in your car insurance rates.

The best way to make sure you’re finding affordable coverage is to shop around and compare quotes before you buy. Policygenius can show you options from top car insurance companies so you can be sure you’re making the right choice.

Cheapest car insurance companies in Alabama

Even though car insurance companies all use the same information, costs can vary from company to company, which is why it’s so important to shop around. Here are the best and cheapest car insurance companies in Alabama:

Cheapest car insurance companies by age in Alabama

Age is one of the most important factors when it comes to car insurance costs. The younger and more inexperienced you are as a driver, the more you’ll pay for car insurance. But rates typically fall as you age, and by 25, young drivers age-out of the highest-risk age group.

Age	Cheapest company	Average cost
16	COUNTRY Financial	$2,558
18	GEICO	$2,077
21	GEICO	$1,439
25	GEICO	$1,115
30	GEICO	$972
35	GEICO	$956
45	USAA	$933
55	USAA	$894
60	USAA	$902
65	GEICO	$926
70	GEICO	$992

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Choosing the right car insurance company in Alabama

Shopping for the right car insurance policy can seem overwhelming, but it doesn't have to be. It all comes down to figuring out the most important factors and seeing how your options stack up.

• Cost: Different companies charge different rates for similar coverage, that's why it's important to compare quotes from multiple car insurance companies to find the best rate

• Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be 

• Customer service: Do a little research on the insurance company itself. Read customer reviews and check claims satisfaction ratings to see how the companies stack up

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies so you can choose the option that’s right for you.

Car insurance rates for drivers with driving violations in Alabama

Companies typically consider the past three to five years of your driving history when calculating rates. Any recent driving violations can have a negative impact on your car insurance rates, but driving violations that involve alcohol typically have the biggest impact.

Violation	GEICO	USAA	COUNTRY Financial	Nationwide	Cincinnati Insurance
At-fault accident	$1,640	$1,546	$1,588	$2,300	$2,342
DUI	$2,061	$2,251	$1,979	$2,900	$3,177
Suspended license	$2,061	$2,132	$1,979	$2,900	$3,177
Open container	$2,061	$1,625	$1,570	$2,900	$2,611
Expired registration	$1,171	$1,244	$1,570	$1,723	$1,650
Driving without lights	$1,171	$1,244	$1,570	$1,723	$1,650
Not showing documents	$1,127	$1,244	$1,570	$1,723	$1,650
Running a red light	$1,171	$1,244	$1,570	$1,723	$1,650
Failure to yield	$1,171	$1,244	$1,570	$1,723	$1,650
Following too closely	$1,171	$1,244	$1,570	$1,723	$1,650
Hit and run	$1,920	$2,371	$1,979	$2,684	$3,177
Illegal turn	$1,171	$1,244	$1,570	$1,723	$1,650
Improper passing	$1,171	$1,244	$1,570	$1,723	$1,650
Not-at-fault accident	$963	$1,081	$1,278	$1,353	$1,528
Passing a school bus	$1,171	$1,625	$1,570	$1,723	$1,650
Racing	$2,061	$2,251	$1,979	$2,900	$3,177
Reckless driving	$2,061	$1,625	$1,979	$2,900	$2,611
Speeding	$2,061	$1,244	$1,979	$1,723	$1,650

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Cheapest car insurance for drivers with bad credit in Alabama

Credit score can also be a determining factor when looking for car insurance. Drivers who have lower credit scores should expect to see higher insurance rates, so if you know you have poor credit, it’s all the more important to shop around for coverage before you buy.

Car insurance costs in Alabama cities

Where you live within Alabama will also have a big impact on what you’ll pay for car insurance coverage. Cities with more cars on the road or higher rates of car theft and vandalism will typically have higher average rates. Here's how the ten biggest cities in Alabama stack up:

• Birmingham: $1,971

• Montgomery: $1,741

• Mobile: $1,854

• Huntsville: $1,708

• Tuscaloosa: $1,743

• Hoover: $1,833

• Dothan: $1,544

• Decatur: $1,627

• Auburn: $1,590

• Madison: $1,637

Buying car insurance in Alabama

It's important to know and understand Alabama’s state minimum requirements for car insurance. Every driver in Alabama must have at least the following amount of car insurance coverage:

• Bodily injury liability coverage per person: $25,000

• Bodily injury liability coverage per accident: $50,000

• Property damage liability coverage: $25,000

Alabama is an at-fault state, which means the car insurance company of the driver responsible for causing the accident will pay for the repair costs and medical bills of the other party (that’s what liability coverage is for). If you don’t set high enough liability limits, you could be left footing the bill yourself after an expensive accident.

How to get cheap car insurance in Alabama

If your car insurance seems too expensive, then consider some of these tried-and-true tips for making sure you’re getting the most affordable coverage possible:

• Ask about discounts, like savings for safe drivers or certain professions

• Bundle your auto and home or renters policies with the same company

• Reduce coverage on older cars

• Drive safely and avoid moving violations

• Reshop your car insurance every year to make sure you’re still getting the best rates

Find car insurance in your city:

• Best car insurance in Birmingham

• Best car insurance in Dothan

• Best car insurance in Huntsville

• Best car insurance in Montgomery

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.