Cheap Auto Insurance Quotes in Alabama

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Alabama Car Insurance Averages for Annual Premiums

$435
Minimum Coverage Average
$1513
Full Coverage Average
$1015
All Coverage Types Average

Cheapest Car Insurance in Alabama

Getting cheap car insurance in Alabama doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Alabama affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Alabama

The Insureist™ Data Science team ranks the best insurance companies in Alabama using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Alabama are determined based on these results.

Car Insurance in Alabama

Alabama Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Alabama to give you an idea of the average insurance premium in each city.  AL insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Alabama Car Insurance Quotes

The cheapest insurance companies in Alabama will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Alabama. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Alabama.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for AL car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for AL auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some AL insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Alabama SR‌-22 Insurance

You will need to get SR‌-22 insurance in AL if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in AL files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Alabama Car Insurance & Driving Facts

Which car insurance is best in Alabama?

The best car insurance company in Alabama will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple AL insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Alabama?

The minimum auto insurance liability coverage required in the state of Alabama is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in Alabama, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional AL auto insurance coverage depending on your financial situation.

How much does car insurance cost in Alabama?

The average annual cost of an auto insurance policy in Alabama is $1015. The average minimum coverage annual cost in Alabama is $435. The average full coverage annual cost in Alabama is $1513.

How does car insurance work in Alabama?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Alabama?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Alabama Map

Alabama

Vehicle Insurance

Cities

Alabama () is a state in the Southeastern region of the United States, bordered by Tennessee to the north; Georgia to the east; Florida and the Gulf of Mexico to the south; and Mississippi to the west. Alabama is the 30th largest by area and the 24th-most populous of the U.S. states. With a total of 1,500 miles (2,400 km) of inland waterways, Alabama has among the most of any state.

Alabama is nicknamed the Yellowhammer State, after the state bird. Alabama is also known as the "Heart of Dixie" and the "Cotton State". The state tree is the longleaf pine, and the state flower is the camellia. Alabama's capital is Montgomery. The largest city by population is Birmingham, which has long been the most industrialized city; the largest city by land area is Huntsville. The oldest city is Mobile, founded by French colonists in 1702 as the capital of French Louisiana.Greater Birmingham is Alabama's largest urban economy, its most populous urban area, and its economic center.

The state's geography is diverse, with the north dominated by the mountainous Tennessee Valley and the south by Mobile Bay, a historically significant port. Politically, as part of the Deep South, Alabama is now a predominantly conservative state, and it is known for its Southern culture. Today, American football, particularly at the college level at schools like the University of Alabama, is a major part of the state's culture.

Originally home to many native tribes, present-day Alabama was a Spanish territory beginning in the sixteenth century until the French acquired it in the early eighteenth century. After the American Revolution, Spain retained possession of Mobile as part of Spanish West Florida until 1819. During the antebellum period, Alabama was a major cotton producer and widely used African-American slaves on its plantations. In 1861, the state seceded from the United States to become part of the Confederate States of America, with Montgomery acting as its first capital, and rejoined the Union in 1868.

From the American Civil War until World War II, Alabama, like many states in the southern U.S., suffered economic hardship, in part because of its continued dependence on agriculture. Similar to other former slave states, Alabamian legislators employed Jim Crow laws to disenfranchise and otherwise discriminate against African Americans from the end of the Reconstruction Era up until at least the 1970s. Despite the growth of major industries and urban centers, white rural interests dominated the state legislature from 1901 to the 1960s. During this time, urban interests and African Americans were markedly under-represented. Highly-profile events such as the Selma to Montgomery march made the state a major focal point of the civil rights movement in the 1950s and 1960s. Following World War II, Alabama grew as the state's economy changed from one primarily based on agriculture to one with diversified interests. The state's economy in the 21st century is based on management, automotive, finance, manufacturing, aerospace, mineral extraction, healthcare, education, retail, and technology.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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