The average cost of full coverage car insurance policy in Alabama is $1,726, but costs will vary from driver to driver. 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
Every company looks at factors like age, driving history, credit score, and ZIP code when calculating your rates. But 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.
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.
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.
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:
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.
