Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Alabama
We monitor insurance prices, helping the average driver in Alabama save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Alabama
The chart below shows the cheapest car insurance company in Alabama for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Alabama Insurer | Monthly Cost |
|---|---|
| Travelers | $76 |
| Gainsco | $80 |
| State Farm | $83 |
| Safe Auto | $84 |
Savings for Every Kind of Alabama Driver
Based on our extensive insurance data, we know the average Alabama driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $425 per year by choosing the right vehicle insurance company. Some Alabama residents are paying out over $1,715 extra every year for auto insurance in Alabama. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Alabama Savings / Yr. |
|---|---|
$425 |
|
$578 |
|
$541 |
|
$614 |
|
$1,333 |
|
$74 |
|
$363 |
Alabama Car Insurance vs. the United States
People living in Alabama pay an average of 6.98% more than the typical driver in the nation. The average driver in Alabama can expect to pay about $1,132 per year, or $1,715 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Alabama for most people.
Car Insurance Prices by Alabama Neighborhood
Insurance Prices
Where is insurance cheapest within Alabama?
The map shows insurance prices in and around Alabama, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $796 per year within the state boundaries, with insurance premiums ranging from a high of $2,123 to a low of $1,327. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Alabama.Pick the Best Car Insurance Company for You in Alabama
The best car insurance provider for most drivers in Alabama
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $425 over the average Alabama car insurance company.
The best car insurance provider for Alabama drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $578 over the competition.
The best car insurance company for Alabama drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $541 better than other car insurance companies.
The best auto insurance for Alabama drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $614 less each year.
The least expensive car insurance company for new and young drivers in Alabama
In Alabama, Travelers costs young drivers $1,333 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Alabama
State Farm gave the largest car insurance discounts to married couples, averaging $74 saved each year compared to an average Alabama couple's premiums.
The cheapest car insurance in Alabama for drivers with bad credit
The best Alabama car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Alabama, which was better than other insurers.
The cheapest large national provider in Alabama
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Alabama driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Alabama, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Alabama
What Influences the Cost of Car Insurance in Alabama?
On average, car insurance in Alabama is actually less expensive than the rest of the nation. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Alabama is 32 minutes, which is about the national average for a driver in the nation.
- Alabama state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Alabama are about average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Alabama is a fairly densely populated area in the nation. The state’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Alabama is $94 per month for minimum coverage and $143 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Mississippi: Insurance costs 13.53% more
- Georgia: Insurance costs 22.04% more
- Tennessee: Insurance costs 26.01% less
- Louisiana: Insurance costs 253.24% more
- Kentucky: Insurance costs 77.20% more
- South Carolina: Insurance costs 3.27% more
- Arkansas: Insurance costs 10.20% more
- Florida: Insurance costs 171.60% more
- North Carolina: Insurance costs 39.18% less
- Missouri: Insurance costs 26.24% more
States with Similar Populations
- Hawaii: Insurance costs 27.81% less
- Alaska: Insurance costs 26.41% less
- Florida: Insurance costs 171.60% more
- Maine: Insurance costs 65.19% less
- Michigan: Insurance costs 227.06% more
- Texas: Insurance costs 48.57% more
- Washington: Insurance costs 23.27% less
- Arizona: Insurance costs 28.05% more
- Louisiana: Insurance costs 253.24% more
- New Hampshire: Insurance costs 43.15% less