Cheapest Auto Insurance in Alabama (2024)
The cheapest car insurance company in Alabama is USAA, with monthly liability-rates averaging $37.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 30, 2024
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Table of contents
Car insurance in Alabama is significantly cheaper than national averages. Full-coverage auto insurance costs $156 per month, while liability averages $60 per month. By comparison, the national averages for full and liability-only coverage are $211 and $104 per month, according to Insurify data.
Alabama’s comparatively low population density of less than 100 people per square mile, and its mid-sized population, may contribute to the state’s lower car insurance costs. The number of older vehicles on the road in Alabama may also be a factor, as older cars typically cost less to insure.
Comparing rates from several different insurers is the best way to find a policy that meets your coverage needs and budget.
Quick Facts
USAA, State Farm, and Auto-Owners offer the cheapest car insurance coverage in Alabama.
A full-coverage car insurance policy costs Alabama drivers $1,869 per year, on average.
The minimum car insurance requirements in Alabama are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.
Cheapest car insurance companies in Alabama
Which auto insurance company is right for you will entirely depend on your own individual situation and needs. But to help you jumpstart your research, here are the top car insurance companies for Alabama drivers.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Direct Auto | 7.3 | $139 | $55 | Seniors |
| National General | 6.8 | $122 | $53 | Teens |
| USAA | 9.4 | $71 | $37 | Military families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Find Car Insurance in Alabama
Rates start as low as $37 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest insurance for seniors: Direct Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (269)
Charles
October 29, 2024
Verified Review
Desire for Better Discounts for Good Drivers
If you reside in the State of Michigan or any no-fault state, be prepared to pay a significant amount for insurance.
Marjorie
October 29, 2024
Verified Review
Used to be great, but now not so good.
They keep messing up our premiums. They went from $187 to $525. We called four days in a row trying to find out why, and someone was supposed to call us back but never did. We still don't have an explanation.
Janell
October 29, 2024
Verified Review
Insurance Rates
They are too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. The company also provides standard coverage policies. Today, Direct Auto sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct Auto operates in just 16 states. The company has an A+ rating from AM Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.
Pros
Drivers 55 and older can qualify for a senior citizen discount by completing an accident-prevention course
Homeowner discounts, multi-policy discounts, and multi-car discounts available
Roadside assistance and emergency protection plans available
Cons
Not all products and discounts available in all states
Many negative customer reviews and complaints
May not be the best option for drivers with clean records
Cheapest insurance for teens: National General
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
3.3
A solid optionBased on 376 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (197)
Hungwah
October 29, 2024
Verified Review
Try a few other companies, but the prices quoted were not competitive
If I can find a cheaper rate, I will switch.
Tasha
October 28, 2024
Verified Review
Review of Current Insurance
They are not a good company to get insurance with. I've never heard of a company not including towing in their insurance and still charging a lot for liability insurance.
Jean
October 28, 2024
Verified Review
Information Provided Upon Disaster
There is no transparency. NG is layered in different companies that do not provide answers, but point to each other. It is a shell game. Very disappointed.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Non-standard policies for high-risk drivers
Multiple add-on choices
Cons
Numerous online complaints
Quotes may be higher than some competitors
Cheapest for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $71/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.
Pros
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
How to get the cheapest car insurance in Alabama
Many factors influence how much you pay for car insurance coverage in Alabama. Curious about how to snag affordable car insurance rates in Alabama? Consider these insights:
A clean driving record is key — avoid accidents and traffic violations to show insurance companies you aren’t likely to file claims.
Assess whether higher collision and comprehensive deductibles suit your financial situation, as a higher deductible leads to lower premiums.
Maximize savings by bundling multiple policies (like home or life insurance) with a single insurer.
Inquire about discounts tied to safety features, like anti-theft devices or airbags.
Shop around and compare quotes from different insurers to see which company can offer you the amount of coverage you need for the best price.
Cheapest liability-only car insurance in Alabama: USAA
In car insurance, liability-only coverage ensures protection against liability for injuries and damages you cause to others and excludes coverage for your own vehicle and injuries.
This type of insurance typically includes bodily injury liability, covering medical expenses and legal fees resulting from injuries to others, and property damage liability, which handles repairs or replacement of damaged property.
The cheapest liability-only car insurance company in Alabama is USAA, with an average monthly cost of $37.
If you’re interested in finding the insurance companies offering the cheapest average liability insurance policies in Alabama, here are top insurers in the state.
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Alabama: USAA
Liability-only insurance covers damages and injuries caused to others, whereas full-coverage insurance includes additional protection for your vehicle. Full-coverage insurance includes collision and comprehensive coverage, which covers repairs, theft, and non-collision incidents. Full-coverage car insurance is particularly beneficial for drivers with newer or higher-value vehicles.
USAA offers the cheapest full-coverage insurance in Alabama, with rates averaging $71 per month.
Here are the companies with the cheapest average full-coverage policies in Alabama.
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Alabama
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $70/mo for full coverage in Alabama.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Alabama
In Alabama, drivers must meet 25/50/25 minimum-coverage requirements.[1] Here’s how that coverage breaks down:
Bodily injury liability per person
$25,000
Bodily injury liability per accident
$50,000
Property damage liability per accident
$25,000
Examples of optional coverage you can buy generally include:[2]
Collision coverage: This reimburses you for car damage from collisions when you’re at fault, excluding mechanical failure and wear and tear. This coverage includes collisions with other vehicles, or with objects like trees, fences, and light poles. It also covers rollover accidents.
Comprehensive coverage: This protects against theft and non-collision incidents like fire, flood, vandalism, hail, and falling objects.
Glass coverage: This includes no-deductible windshield coverage, plus side windows, rear windows, and glass sunroofs.
Find Car Insurance in Alabama
Unlock savings and discounts when you compare rates with Insurify
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with an incident
Some driving infractions can increase your insurance premiums due to causing concern that you’re more likely to file an auto insurance claim. These incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]
For example, drivers in Alabama with Safeco insurance spend an average of $94 per month on their policy if they have a clean record, but they spend $187 if they experience a DUI.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets can cause a significant rise in car insurance costs. Insurance companies consider drivers with speeding violations as higher-risk and more likely to be involved in accidents. As a result, insurance premiums tend to increase for drivers with a speeding ticket on their record.[3]
A speeding ticket in Alabama can raise liability rates, on average, from $60 per month to $95. The table below shows the monthly liability rates of the cheapest insurance companies in Alabama for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| USAA | $37 | $51 |
| State Farm | $37 | $51 |
| Auto-Owners | $37 | $51 |
| Allstate | $40 | $55 |
| COUNTRY Financial | $41 | $58 |
| Travelers | $51 | $71 |
| National General | $53 | $73 |
| GEICO | $55 | $76 |
| Direct Auto | $55 | $76 |
| Nationwide | $63 | $88 |
| Root | $63 | $93 |
| Progressive | $67 | $92 |
| Farmers | $68 | $93 |
| Clearcover | $77 | $108 |
| AssuranceAmerica | $80 | $112 |
| Safeco | $81 | $113 |
| Dairyland | $83 | $115 |
| Foremost | $87 | $129 |
| Hugo | $94 | $129 |
| GAINSCO | $105 | $156 |
| Bristol West | $111 | $153 |
| Liberty Mutual | $145 | $215 |
| The General | $241 | $336 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Having at-fault accidents on your record can significantly affect your premiums. Insurance companies view these accidents as a potential risk for future claims, which leads to increased rates.[3] If you have an at-fault accident on your driving record, it’s crucial to carefully consider your insurance options. Some companies offer accident forgiveness coverage, which can keep your premiums stable after your first at-fault accident.
Drivers with at-fault accidents in Alabama face average full-coverage rates of $255 and $98 for liability coverage. The cheapest insurance company in Alabama for drivers with an accident is State Farm, with monthly liability-rates averaging $53.
The following table outlines the cheapest liability auto insurance companies for drivers with at-fault accidents on their driving record in Alabama.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $37 | $54 |
| State Farm | $37 | $53 |
| Auto-Owners | $37 | $54 |
| Allstate | $40 | $58 |
| COUNTRY Financial | $41 | $61 |
| Travelers | $51 | $74 |
| National General | $53 | $77 |
| GEICO | $55 | $80 |
| Direct Auto | $55 | $81 |
| Nationwide | $63 | $92 |
| Root | $63 | $97 |
| Progressive | $67 | $98 |
| Farmers | $68 | $98 |
| Clearcover | $77 | $119 |
| AssuranceAmerica | $80 | $115 |
| Safeco | $81 | $115 |
| Dairyland | $83 | $119 |
| Foremost | $87 | $134 |
| Hugo | $94 | $145 |
| GAINSCO | $105 | $146 |
| Bristol West | $111 | $159 |
| Liberty Mutual | $145 | $224 |
| The General | $241 | $354 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
DUIs can significantly affect your car insurance expenses due to the increased risk they represent to insurance companies. If you have a DUI on your record, anticipate a substantial rise in your insurance premiums or even for your company to not renew your policy.[4]
Alabama drivers with a DUI on their motor vehicle records pay an overall average of $198 per month for car insurance. The cheapest insurer for drivers with a DUI in Alabama is State Farm, with liability-only rates averaging $64 per month.
To find the most affordable insurance companies for drivers with a DUI in Alabama, take advantage of the table below, which outlines the average cheapest options for liability coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $37 | $64 |
| State Farm | $37 | $64 |
| Auto-Owners | $37 | $64 |
| Allstate | $40 | $70 |
| COUNTRY Financial | $41 | $71 |
| Travelers | $51 | $89 |
| National General | $53 | $92 |
| GEICO | $55 | $96 |
| Direct Auto | $55 | $96 |
| Nationwide | $63 | $110 |
| Root | $63 | $110 |
| Progressive | $67 | $117 |
| Farmers | $68 | $118 |
| Clearcover | $77 | $134 |
| AssuranceAmerica | $80 | $139 |
| Safeco | $81 | $141 |
| Dairyland | $83 | $145 |
| Foremost | $87 | $152 |
| Hugo | $94 | $164 |
| GAINSCO | $105 | $183 |
| Bristol West | $111 | $193 |
| Liberty Mutual | $145 | $253 |
| The General | $241 | $420 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates typically decline around age 25 as drivers gain more experience and become less prone to accidents. However, insurance premiums may start to increase around age 70 due to factors that can lead to a higher risk of accidents, such as decreased vision, reaction time, and overall physical capabilities.[5]
On average, car insurance for seniors costs $117 per month for full coverage and $45 for a liability-only policy. If you’re a senior driver in Alabama looking for the cheapest car insurance companies, check out the following table showing average monthly rates from top insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $53 | $27 |
| Auto-Owners | $53 | $28 |
| USAA | $54 | $28 |
| Allstate | $59 | $31 |
| COUNTRY Financial | $60 | $31 |
| Travelers | $72 | $38 |
| GEICO | $81 | $42 |
| Nationwide | $86 | $45 |
| Progressive | $88 | $46 |
| Root | $89 | $50 |
| National General | $89 | $39 |
| Farmers | $97 | $51 |
| Direct Auto | $103 | $41 |
| Clearcover | $105 | $61 |
| AssuranceAmerica | $106 | $58 |
| Safeco | $108 | $65 |
| Foremost | $169 | $66 |
| Liberty Mutual | $185 | $115 |
| GAINSCO | $197 | $84 |
| Bristol West | $217 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Car insurance rates for young drivers are generally higher compared to adults due to their lack of driving experience and higher accident risk.[3] As a teen, you can still find ways to get cheaper car insurance.
Remaining on your parents’ insurance policy can often result in more affordable rates. And if you’re a minor, you won’t be able to buy your own policy without written consent from a parent or guardian. Choosing a safe car with highly rated safety features can also help lower insurance costs. Additionally, maintaining good academic performance may make you eligible for a good student discount. If you attend college a certain distance away from home, you may also qualify for a student-away-at-school discount.
The overall monthly average cost of car insurance for teens in Alabama is $222. And the cheapest insurer for teen drivers in Alabama is COUNTRY Financial, with monthly rates averaging $62 for liability-only coverage.
To find the cheapest insurance companies for teen drivers in Alabama, refer to the table below, which highlights the average monthly rates of the cheapest options.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| COUNTRY Financial | $119 | $62 |
| USAA | $123 | $64 |
| State Farm | $125 | $65 |
| Auto-Owners | $125 | $65 |
| Allstate | $141 | $73 |
| GEICO | $174 | $90 |
| Root | $177 | $99 |
| Travelers | $181 | $95 |
| Nationwide | $216 | $113 |
| Progressive | $237 | $123 |
| Farmers | $237 | $123 |
| National General | $248 | $108 |
| Direct Auto | $261 | $103 |
| Clearcover | $263 | $152 |
| Safeco | $276 | $167 |
| AssuranceAmerica | $280 | $152 |
| Foremost | $412 | $160 |
| Liberty Mutual | $427 | $265 |
| GAINSCO | $444 | $190 |
| Bristol West | $497 | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Alabama car insurance quotes by credit tier
In Alabama, car insurance companies can factor in credit history when determining premiums. Excellent or good credit scores typically lead to lower rates, whereas poor credit scores may result in higher insurance costs. Why do Alabama insurance companies take credit history into account?
“Each insurer creates its own proprietary credit-based insurance score which incorporates elements of a consumer’s credit history. Actuarial studies show that how a person manages their financial affairs is a good predictor of insurance claims,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Statistically, people with a low insurance score are more likely to file a claim.”
The chart below shows how credit scores influence average monthly insurance quotes in Alabama.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Alabama car insurance FAQs
If you’re looking for affordable car insurance in Alabama, this additional information may help. You can also check out Insurify’s guides on how to lower your car insurance premiums for more information on finding the cheapest insurance.
How much is car insurance in Alabama?
Car insurance in Alabama costs an average of $156 a month for full-coverage insurance and $60 a month for liability-only insurance.
Who has the cheapest car insurance in Alabama?
USAA, State Farm, and Auto-Owners have the cheapest average liability rates in Alabama, according to Insurify data. USAA's liability rates start as low as $37 per month, while State Farm and Auto-Owners offer rates as low as $37 and $37, respectively.
Even though these are the cheapest car insurance companies in the state, you should still compare quotes from multiple companies to see which one offers the best price for the coverage you need.
What are the best car insurance companies in Alabama?
USAA, State Farm, and Auto-Owners are Insurify’s picks for best car insurance companies in Alabama. These insurers have high IQ Scores, above-average J.D. Power ratings, and affordable average rates.
Is Alabama a no-fault state?
No. Alabama is an at-fault state. Drivers who cause accidents, or carry the majority of the fault for an accident, are responsible for compensating other parties for injuries and property damage.[6]
Does Alabama require uninsured/underinsured motorist coverage?
Alabama requires insurance companies to include uninsured/underinsured motorist coverage in every policy they sell in the state. But drivers can opt out of it by rejecting it in writing.
However, it's a good idea to have UI/UIM coverage, which can help pay for your damages and medical costs if someone driving without insurance, or too little insurance, causes an accident. It can also pay for costs associated with a hit-and-run accident.
How many Alabama drivers are uninsured?
In Alabama, 19.5% of drivers are uninsured, according to the most recent data in a 2021 Insurance Research Council report.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Alabama
Sources
- Alabama Department of Insurance. "Automobile Insurance FAQs."
- III. "Auto insurance basics—understanding your coverage."
- III. "What determines the price of an auto insurance policy?."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- Nolo. "Alabama Car Insurance Laws."
- Insurance Research Council. "One in Eight Drivers Uninsured."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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