Cheapest Car Insurance Quotes in Alabama (2025)
State Farm has the best cheap car insurance in Alabama, at $103 per month for full coverage.
Find Cheap Auto Insurance Quotes in Alabama
Best cheap auto insurance in Alabama
How we chose the top companies
Best and cheapest car insurance in Alabama
- Cheapest full coverage: State Farm, $103/mo
- Cheapest minimum liability: State Farm, $36/mo
- Cheapest for young drivers: State Farm, $124/mo
- Cheapest after a ticket: State Farm, $111/mo
- Cheapest after an accident: State Farm, $123/mo
- Cheapest for teens after a ticket: State Farm, $64/mo State Farm, $138/mo
- Cheapest after a DUI: Travelers, $209/mo
- Cheapest for poor credit: Travelers, $248/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has good customer support, along with the lowest rates in Alabama. Auto-Owners also has affordable rates and great service. But it doesn't offer online quotes, so you'll need to contact an agent to compare prices.
Cheapest Alabama auto insurance: State Farm
State Farm has the cheapest full coverage car insurance in Alabama.
Full coverage from State Farm costs around $103 per month, which is $91 per month less than the state average.
Find Cheap Auto Insurance Quotes in Alabama
The average cost of car insurance in Alabama is $194 per month for a full coverage policy.
That's $19 per month more expensive than the national average. This could be partially because Alabama has higher auto theft rates than the U.S. average.
Best cheap full coverage car insurance in Alabama
Company | Monthly rate | |
|---|---|---|
| State Farm | $103 |
| Travelers | $144 |
| Auto-Owners | $147 |
| Allstate | $207 |
| Progressive | $234 |
*USAA is only available to current and former military members and their families.
Alabama drivers with military ties can get even cheaper rates from USAA. A full coverage policy from USAA costs just $105 per month. However, USAA is only available to current or former military members and their families.
Cheapest liability car insurance in Alabama: State Farm
State Farm has the best cheap liability insurance in Alabama, at only $36 per month.
That's less than half the Alabama average, which is $76 per month.
Best liability-only car insurance quotes in Alabama
Company | Monthly rate |
|---|---|
| State Farm | $36 |
| Auto-Owners | $52 |
| Travelers | $53 |
| Progressive | $98 |
| Geico | $99 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in AL for young drivers: State Farm
State Farm has the cheapest liability-only rates for teen drivers, at around $124 per month. That's nearly half the state average.
It also has the most affordable full coverage quotes at $297 per month for an 18-year-old driver. That's $238 half the average cost.
Low-cost auto insurance in Alabama for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $124 | $297 |
| Travelers | $152 | $373 |
| Auto-Owners | $196 | $453 |
| Geico | $246 | $583 |
| Allstate | $302 | $562 |
*USAA is only available to current and former military members and their families.
The average cost of liability-only insurance for young drivers in Alabama is $243 per month. That's $167 more expensive per month than coverage for an older driver.
The best way for teen drivers in Alabama to lower their insurance costs is by sharing a policy with their parents or an older relative.
Teen drivers typically get into more accidents than older drivers, so insurance companies consider them riskier to protect. The good news is that with a clean driving record, your insurance will get cheaper over time.
Cheapest AL auto insurance after a speeding ticket: State Farm
State Farm offers the cheapest quotes for drivers in Alabama with a recent speeding ticket. A full coverage policy from State Farm costs around $111 per month after one speeding ticket. That's less than half the Alabama average.
Cheap Alabama car insurance after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $111 |
| Auto-Owners | $147 |
| Travelers | $182 |
| Allstate | $221 |
| Progressive | $306 |
*USAA is only available to current and former military members and their families.
A speeding ticket can raise your rates by around 19% in Alabama. That's an increase of $37 per month for a full coverage policy, on average.
Cheap insurance in Alabama after an accident: State Farm
State Farm has the cheapest rates in Alabama after an at-fault accident, with an average of $123 per month for full coverage. That's less than half the average, and $67 per month less than the next-cheapest option, Auto-Owners.
Best Alabama insurance after a crash
Company | Monthly rate |
|---|---|
| State Farm | $123 |
| Auto-Owners | $190 |
| Travelers | $200 |
| Allstate | $317 |
| Progressive | $335 |
*USAA is only available to current and former military members and their families.
Overall, insurance companies in Alabama raise rates by 42% after one accident.
You don't need to worry about switching car insurance companies right after an accident. Your rates won't go up until your policy renews.
Instead, wait until you get your renewal offer with your new rates in the mail or via email. Then, you should compare quotes from multiple companies to find the cheapest postaccident rates.
Cheap AL car insurance for teens with a ticket or accident: State Farm
State Farm has the best prices for teen drivers after a speeding ticket or at-fault crash.
A liability-only policy from State Farm costs just $138 per month after a speeding ticket, which is half the average cost in Alabama.
Minimum coverage from State Farm costs $158 per month for an 18-year-old with an accident on their record.
Affordable Alabama car insurance for young drivers after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| State Farm | $138 | $158 |
| Travelers | $190 | $217 |
| Auto-Owners | $196 | $270 |
| Geico | $292 | $365 |
| Allstate | $329 | $390 |
*USAA is only available to current and former military members and their families.
USAA offers even better quotes for teen car insurance after a crash or ticket. However, USAA is only available for military members, veterans and some of their family members.
Affordable car insurance in Alabama after a DUI: Travelers
Travelers has the cheapest rates for Alabama drivers with a DUI on their record. At $209 per month for full coverage, Travelers costs $102 per month less than the state average.
Best car insurance quotes in Alabama after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $209 |
| State Farm | $254 |
| Allstate | $281 |
| Auto-Owners | $288 |
| Progressive | $312 |
*USAA is only available to current and former military members and their families.
A DUI will raise your rates by 60% in Alabama, on average. Driving under the influence is a sign to insurance companies that you're a high-risk driver. That's why it typically results in a big increase in your insurance costs.
Cheapest AL car insurance for drivers with poor credit: Travelers
Travelers offers the best rates for drivers with poor credit, at $248 per month for full coverage. That's $117 less per month than the average.
Low-cost car insurance in Alabama for drivers with bad credit
Company | Monthly rate |
|---|---|
| Travelers | $248 |
| Allstate | $342 |
| Progressive | $367 |
| State Farm | $393 |
| Geico | $411 |
*USAA is only available to current and former military members and their families.
Drivers with poor credit in Alabama pay an average of $365 per month for full coverage insurance. That's $172 per month more than drivers with good credit pay for the same coverage.
Insurance companies believe people with bad credit are more likely to make a claim in the future. That makes these drivers more expensive to insure.
Best car insurance in Alabama
USAA has the best auto insurance in Alabama because it offers a great balance of cheap quotes and reliable customer support.
USAA has high customer satisfaction scores according to J.D. Power and the National Association of Insurance Commissioners (NAIC). However, it's only available to drivers affiliated with the U.S. military.
State Farm is the best choice for people who don't qualify for USAA. It also has great customer service and affordable rates, and it's available to all drivers in Alabama.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ | |
| Travelers | 616 | A++ |
Average car insurance cost in Alabama by city
Hartford, a small city in southeastern Alabama, has the cheapest car insurance in the state.
The average cost of full coverage insurance in Hartford is $165 per month.
Tarrant, a northern suburb of Birmingham, has the most expensive rates. At $218 per month, for a full coverage policy, Tarrant drivers pay $22 per month more than the state average. This could be because of the higher-than-average vehicle theft rates in Tarrant.
Alabama car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $172 | -8% |
| Abernant | $195 | 4% |
| Adamsville | $208 | 11% |
| Adger | $201 | 8% |
| Akron | $193 | 3% |
The average cost of full coverage car insurance in Alabama is $196 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.
What is the mandatory liability insurance in Alabama?
Drivers must have a certain amount of liability car insurance in Alabama to drive legally. The requirement is sometimes written as 25/50/25.
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $25,000 per accident
Most people should get more coverage than the minimum requirement if they can afford it.
That's because the liability limits required in Alabama may not be high enough to cover the cost of a serious accident. For example, if you hit an expensive car, it's unlikely that $25,000 of property damage liability will be enough to buy the other driver a new vehicle.
In addition, liability-only insurance doesn't include collision and comprehensive coverage. These coverages pay for most types of damage to your car, regardless of whose fault it is.
If you have a car loan or lease, your lender probably requires you to have collision and comprehensive coverage. You should also consider these coverages if your car is less than 8 years old or worth more than $5,000.
Frequently asked questions
What is the cheapest car insurance in Alabama?
State Farm has the most affordable minimum liability quotes in Alabama, at only $36 per month. State Farm also has the cheapest rates for full coverage, at $103 per month.
How much is car insurance in Alabama per month?
The average price for a minimum liability car insurance policy in Alabama is $76 per month. Full coverage car insurance in Alabama is $194 per month on average.
How much is car insurance in Mobile, AL?
Full coverage auto insurance in Mobile, AL, costs an average of $205 per month. That's $11 per month higher than the state average. In comparison, car insurance in Birmingham costs around $211 per month, while drivers in Montgomery pay $195 per month.
Methodology
To find the best cheap automobile insurance in Alabama, ValuePenguin collected thousands of rates from ZIP codes across AL for some of the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full coverage policies include higher liability limits than the state requirement plus collision and comprehensive coverage.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $25,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $25,000 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 insurance company 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.