Cheap Car Insurance in Alabama

Cheap Car Insurance in Alabama

It is mandatory to get car insurance in Alabama for drivers to drive legally in the state. Different companies in Alabama provide car insurance at different rates. The average annual car insurance cost in Alabama may be around $1363. Travelers is the most affordable car insurance company in Alabama which offers car insurance policies at affordable rates. 

Car insurance companies in Alabama charge higher car insurance premiums from those drivers who in or near the most populated cities in Alabama. Following are the most expensive cars to insure in Alabama:

  1. Mercedes-Benz S-Class
  2. Mercedes-Benz E-Class CLS-Class
  3. Mercedes-Benz GLE-Class M-Class
  4. Nissan Titan
  5. Toyota Sienna

According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Alabama:

Name of the Company Average annual car insurance premiums
Travelers $782
Auto-Owners $1199
USAA $1206
MetLife $1358
Cal Casualty $1486
GEICO $1509
Allstate $1515
Progressive $1565
Country $1618
Nationwide $1662
State Farm $1728
Dairyland $1818
State Auto $1848
ALFA $1885
Metropolitan $2410
Safeco $2638
Liberty Mutual $2669
Farmers $3230
Cincinnati Insurance $4487

Cheap car insurance in Alabama for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Alabama with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Alabama provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Alabama by maintaining a good driving record. Most auto insurance companies in Alabama provide 5-10% good driver discount to those having good driving history without violations.

  • Drivers with no traffic ticket may save $279 on car insurance premiums in Alabama.
  •  Drivers may save $617 on car insurance premiums if they have an accident-free record in Alabama.
  •  By maintaining good credit history you may save $1596 on car insurance premiums in Alabama. 

Cheap car insurance for inexperienced drivers in Alabama

Most auto insurance providers may charge high auto insurance premiums in Alabama from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Alabama vary according to the age of the drivers. Some companies charge high auto insurance cost from young drivers in Alabama. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5715 $7773
17 $5468 $6544
18 $5232 $5588
19 $4758 $3546

Affordable auto insurance in Alabama for high-risk drivers

Car insurance companies in Alabama charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Alabama can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with good driving history in Alabama may get discounts on car insurance policies.

Rating factor

Average annual car insurance premium

At-Fault Accident $1952
DUI $2235
Speeding Violation $1626
Bad Credit $2944

Best car insurance companies in Alabama

Car insurance prices in Alabama may vary from company to company. Some companies in Alabama charge low car insurance premiums than others. To get best auto insurance policy in Alabama you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find best auto insurance company in Alabama by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Alabama:

  1. Allstate
  2. Cal Casualty
  3. Cincinnati Insurance
  4. Country
  5. Farmers
  6. GEICO
  7. Liberty Mutual
  8. MetLife
  9. Nationwide
  10. Progressive
  11. Safeco
  12. State Farm
  13. Travelers
  14. USAA

What auto insurance coverage is mandatory to purchase for drivers in Alabama?

The average annual cost to get the minimum required coverage in Alabama may around $616.  The minimum required coverage for drivers in Alabama to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

 The state minimum auto insurance requirements in Alabama

The state minimum auto insurance coverage requirement in Alabama is liability coverage.

  1. $25000 bodily injury coverage per person is required in Alabama.
  2. $50000 bodily injury coverage per accident is required in Alabama.
  3. $25000 property damage coverage per accident is required in Alabama.

Other types of optional coverages in Alabama are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Uninsured Motorist Bodily Injury

Fine for driving without car insurance in Alabama

If anyone caught driving without a car insurance policy in Alabama then police may charge a fine.

Car insurance prices by cities in Alabama

Car insurance premiums in Alabama may vary from city to city. In some cities of Alabama, car insurance prices are high are compared to others. Fairfield is the most expensive city in the Alabama to get car insurance for vehicles.

City Average annual insurance premiums
Birmingham $1654
Bessemer $1622
Hoover $1600
Mobile $1597
Homewood $1552
Phenix City $1536
Prichard $1532
Northport $1505
Montgomery $1493
Tuscaloosa $1485
Prattville $1468
Gadsden $1460
Alabaster $1448
Huntsville $1436
Daphne $1400
Anniston $1396
Madison $1390
Opelika $1389
Athens $1365
Auburn $1359
Decatur $1353
Dothan $1350
Florence $1330
Enterprise $1297

If you are looking for a car insurance deal in Alabama, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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