Alabama Car Insurance for High Risk Drivers (With Quotes)
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Written byDoug Shaffer
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Doug ShafferInsurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
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Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewed byAmber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated November 21, 2024
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Table of contents
Cheapest Insurance Companies for High Risk Drivers in Alabama (2022)
For drivers that are high-risk in Alabama, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Alabama. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Alabama.
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Travelers | $146 |
| SafeAuto | $173 |
| National General | $175 |
| GAINSCO | $187 |
| Direct Auto | $188 |
| Nationwide | $219 |
| Safeco Insurance | $222 |
| AssuranceAmerica | $234 |
| Bristol West | $277 |
| Midvale Home & Auto | $286 |
What Makes a Driver High-Risk in Alabama?
Auto insurance providers in Alabama naturally assume some level of risk each time they take on a new customer. The amount of risk they accept with a driver is normally based on their driving record. A history full of violations can lead to a motorist being labeled as a high-risk driver and result in higher premium payments.
Violations and numerous insurance claims are two common ways that customers can be pegged as high-risk drivers in Alabama. Typically, violations such as reckless driving, speeding, DUI/DWI convictions, and multiple at-fault accidents are the most heavily looked at. With the increased rates that come with a high-risk driver tag, shopping around for quotes is a good way to get coverage at an affordable price.
Alabama Car Insurance Rates for High-Risk Drivers
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.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Alabama?
Having a high-risk driving violation isn't something that anyone plans on, but things happen. Sometimes, we drive a little too fast or we change lanes without signaling. However, no matter the reason, high-risk driving can have a significant impact on the average monthly cost of auto insurance.
For instance, drivers in Alabama typically pay $183 per month for coverage, but with a high-risk violation, that price can increase as high as $261. At-fault accidents carry the largest penalty, with an increase of $78 a month for coverage. Shopping around for coverage can often help alleviate some of the additional costs that come with violations.
Driving History ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| No Violation | $183 |
| Speeding Ticket | $248 |
| At-Fault Accident | $261 |
| Reckless Driving | $252 |
| Failure to Stop | $233 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Alabama?
Speeding tickets in Alabama can result in drivers paying on average $65 more a month for coverage. One reason for the significant increase in price is that speeding tickets are often seen as a prelude to other risky behaviors. Depending on the speed at the time of the violation, it can even be classified as reckless driving in some cases.
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.
How Does an at-Fault Accident Impact Insurance Rates in Alabama?
Being involved in an at-fault accident can significantly impact your financial health through increased auto insurance monthly payments. On average, drivers with an at-fault accident pay $78 more for coverage than their fellow drivers who don't have an accident on their record. If you have one of these violations, shopping around for quotes could help trim some of the additional costs.
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.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Alabama?
Failing to come to a complete stop for a red light or a stop sign can negatively impact your car insurance rates. Average monthly rates climb to $233 when you add in a failure-to-stop violation. That is an increase of $50 a month, or $600 over the course of the year.
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.
Does Driving With a Suspended License Impact Car Insurance Rates in Alabama?
Auto insurance providers in Alabama naturally assume some level of risk each time they take on a new customer. The amount of risk they accept with a driver is normally based on their driving record. A history full of violations can lead to a motorist being labeled as a high-risk driver and result in higher premium payments.
Violations and numerous insurance claims are two common ways that customers can be pegged as high-risk drivers in Alabama. Typically, violations such as reckless driving, speeding, DUI/DWI convictions, and multiple at-fault accidents are the most heavily looked at. With the increased rates that come with a high-risk driver tag, shopping around for quotes is a good way to get coverage at an affordable price.
Tips for Researching High-Risk Alabama Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Alabama draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
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FAQs - Alabama Car Insurance
Why is car insurance so expensive in Alabama?
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Do car insurance rates vary by county in Alabama?
Auto insurance costs will vary between locations and insurance carriers, depending on the county Alabama. Insurify analyzed the latest data for the five most populous cities in Alabama to find you the cheapest quotes in each of these metropolitan areas.
Which providers have the best auto insurance ratings in Alabama?
The way to find the carrier with the best auto insurance ratings in Alabama and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How much do annual auto insurance rates increase in Alabama?
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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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.
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Doug ShafferInsurance Writer
Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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