Cheapest Car Insurance Quotes in Alabama (2024)
State Farm has the best cheap car insurance in Alabama, at $85 per month for full coverage.
Find Cheap Auto Insurance Quotes in Alabama
Best cheap car insurance companies in Alabama
To help Alabama drivers find the best cheap auto insurance, our editorial team collected quotes from top auto insurance companies across every ZIP code in the state. Quotes for minimum coverage meet Alabama's state minimum requirements of $25,000 per person and $50,000 per accident bodily injury liability, and $25,000 per accident of property damage liability coverage.
Full coverage quotes include comprehensive and collision protection, in addition to higher liability limits than state minimums.
Our experts also ranked the best Alabama car insurance companies based on the cost of insurance for different drivers, customer service reviews, convenience and coverage availability.
Cheapest car insurance in Alabama: State Farm
State Farm is Alabama's cheapest auto insurance company for most people, with average full coverage quotes of $165 per month, which is 48% cheaper than the state average.
Find Cheap Auto Insurance Quotes in Alabama
Company | Monthly rate | |
|---|---|---|
| State Farm | $85 |
| Travelers | $144 |
| Progressive | $152 |
| Allstate | $169 |
| Farmers | $239 |
*USAA is only available to current and former military members and their families.
Only Nationwide, State Farm and Allstate have rates below the statewide average, but the most affordable option is USAA, at $105 per month on average. However, USAA policies are only available to current or former military members and their families.
Cheapest liability car insurance quotes in Alabama: State Farm
State Farm is the cheapest insurance company in Alabama for minimum car insurance, at only $26 per month. But while buying less coverage means you'll pay less per month, it also means you'll have less protection in an accident.
The average cost of car insurance in Alabama is $60 per month, or $717 per year, for minimum liability.
Cheapest Alabama car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $26 |
| Progressive | $43 |
| Travelers | $53 |
| Allstate | $79 |
| Farmers | $91 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers in Alabama: State Farm
State Farm has the cheapest rates, on average, for teen drivers, who pay around $90 per month for minimum coverage, or $249 per month for full coverage.
The average cost of cheap car insurance for young drivers in Alabama is $193 per month, for minimum liability coverage — which is more than three times as expensive than it is for older drivers.
Cheapest Alabama car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $90 | $249 |
| Travelers | $152 | $373 |
| Progressive | $203 | $729 |
| GEICO | $233 | $556 |
| Allstate | $245 | $543 |
18-year-old drivers statistically get into more accidents than 30-year-old drivers, and insurance companies consider them riskier and more expensive to insure. The good news is that with a clean driving record, your insurance will get cheaper over time.
Cheapest car insurance after a speeding ticket: State Farm
State Farm offers the cheapest quotes for drivers in Alabama who have been caught speeding, at rates of around $92 per month. Compared to the average cost for people with a speeding ticket, State Farm's rates are $106 cheaper per month.
Company | Monthly rate |
|---|---|
| State Farm | $92 |
| Travelers | $182 |
| Progressive | $185 |
| Allstate | $186 |
| Farmers | $305 |
Getting a speeding ticket can raise your rates by nearly as much as being in an accident, typically around 20% in Alabama.
Cheapest car insurance quotes after an accident: State Farm
State Farm has the cheapest rates on average after an at-fault accident, at an average of $103 per month. Its rates are 57% cheaper than average, and nearly half the price as the next-lowest option, Travelers.
Company | Monthly rate |
|---|---|
| State Farm | $103 |
| Travelers | $200 |
| Progressive | $228 |
| Allstate | $260 |
| Farmers | $332 |
Overall, Alabama's top insurers raised drivers' rates by an average of 45% each month after one accident where the driver was at fault.
Cheapest car insurance for young drivers after a ticket or accident: State Farm
State Farm has the best prices for teen drivers after a speeding ticket or at-fault crash. It charges an 18-year-old just $100 per month after a speeding ticket, and $115 per month after an at-fault crash.
Company | Ticket | Accident |
|---|---|---|
| State Farm | $100 | $115 |
| Travelers | $190 | $217 |
| Progressive | $210 | $227 |
| Geico | $277 | $345 |
| Allstate | $280 | $351 |
USAA offers even better quotes for teen car insurance after a crash or ticket. However, you'll only qualify if you or a family member have served in the U.S. military.
Cheapest car insurance after a DUI: Progressive
Progressive gives drivers the cheapest rates with a DUI on their record at $184 per month. Progressive's rates are 29% less than the state average rate of $261.
Getting a DUI can make your rates 58% more expensive in Alabama. Being caught driving under the influence is one of the strongest indicators of risky driving habits, so it's one of the biggest things that can increase your cost of insurance.
Company | Monthly rate |
|---|---|
| Progressive | $184 |
| Travelers | $210 |
| State Farm | $219 |
| Allstate | $220 |
| Farmers | $319 |
Cheapest car insurance for drivers with poor credit: Progressive
Progressive offers the best rates for drivers with poor credit, at $239 per month for full coverage. That's roughly $52 less per month than other companies on average.
Company | Monthly rate |
|---|---|
| Progressive | $239 |
| Travelers | $248 |
| Allstate | $282 |
| State Farm | $325 |
| Farmers | $370 |
Drivers with poor credit in Alabama have an average rate of $291 per month, 76% more expensive than for drivers with good credit.
Best car insurance companies in Alabama
USAA is the best overall car insurance company in Alabama.
USAA has high customer satisfaction scores according to J.D. Power and NAIC. The company also has a great balance of good coverage, cheap quotes and reliable customer support.
However, it's only available to drivers who are affiliated with the U.S. military.
State Farm scored nearly as well in ValuePenguin's customer service review, and is available to all drivers in Alabama.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| GEICO | 835 | A++ | |
| Travelers | 829 | A++ | |
| Farmers | 815 | A |
Average car insurance cost in Alabama by city
Ozark is the cheapest city in Alabama for car insurance, with an average quote of $145 per month. Fort Rucker also has a $145 per month average quote, though its annual quote is higher than Ozark’s ($1,743 versus $1,741).
Tarrant is the most expensive, at $160 per month for a full coverage policy — that's 15% higher than the state average. (St. Elmo’s average quote is also $190, but it has an annual quote of $2,275, lower than Tarrant’s $2,285.)
The average cost of full coverage car insurance in Alabama is $165 per month, but where you live in the state can impact the price you pay. Areas with narrow streets, poorly maintained roads or higher crime rates tend to have higher prices for car insurance.
Abbeville | $150 | -9% |
|---|---|---|
| Abernant | $173 | 5% |
| Adamsville | $184 | 12% |
| Adger | $178 | 8% |
| Akron | $167 | 1% |
| Alabaster | $165 | 0% |
Minimum auto insurance requirements in Alabama
Drivers must have a certain amount of liability car insurance in Alabama by law. That includes $25,000 in bodily liability coverage per person and $50,000 per accident, plus $25,000 in property damage liability coverage per accident.
Coverage | Limit |
|---|---|
| Bodily injury liability (BI) | $25,000 per person/$50,000 per accident |
| Property damage liability (PD) | $25,000 per accident |
It's worth it to get more coverage than is required by state law if you can afford it, but you should balance the increased protection against the cost of paying for more coverage. Consider getting more coverage if you have a valuable car or drive a lot, especially at night or for long road trips.
Frequently asked questions
What is the cheapest car insurance company in Alabama?
State Farm has the most affordable minimum-coverage quotes in Alabama at only $26 per month, and the cheapest rates for full coverage, at $85 per month.
What does car insurance cost in Alabama?
The average price for a minimum coverage car insurance policy in Alabama is $60 per month, or $717 per year. Full coverage car insurance in Alabama is $165 per month on average ($1,979 per year).
How much car insurance is required in Alabama?
To drive in Alabama, you need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.
Methodology
We collected thousands of rates from ZIP codes across Alabama for some of the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Minimum coverage policies have only the minimum required limits in Alabama. Full coverage policies include higher liability limits plus collision and comprehensive coverage.
- $50k of bodily injury liability coverage per person, and $100k per accident
- $25k of property damage liability
- $50k of bodily injury uninsured motorist coverage per person, and $100k per accident
- $25k of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.