Who Has the Cheapest Car Insurance Quotes in Alabama?
Who Has the Cheapest Car Insurance Quotes in Alabama?
State Farm has the best and cheapest car insurance in Alabama at $450 per year, or $37 per month for minimum liability coverage.
Best cheap car insurance 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.
We 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 quotes in Alabama: State Farm
State Farm is the cheapest insurance company in Alabama for bare-minimum car insurance at only $37 per month. While buying less coverage means you'll pay less in monthly premiums, it also means you'll have less protection in an accident.
The average cost of car insurance in Alabama is $600 per year, or $50 per month, for minimum liability.
Find Cheap Auto Insurance Quotes in Alabama
Cheapest Alabama car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $37 |
| Progressive | $45 |
| Nationwide | $47 |
| Travelers | $50 |
| Allstate | $62 |
*USAA is only available to current and former military members and their families.
Cheapest full-coverage car insurance in Alabama: State Farm
State Farm is Alabama's cheapest auto insurance company for most people, with average full coverage quotes of $1,185 per year, 29% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $99 |
| Allstate | $136 |
| Nationwide | $137 |
| Travelers | $141 |
| Progressive | $160 |
*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 $1,029 per year on average, USAA policies are only available to current or former military members and their families.
Cheapest car insurance for drivers with prior incidents
Allstate offers the best rates in Alabama for drivers with a DUI on their record. Although it's not the cheapest option for drivers with a speeding ticket or accident, Allstate's rates are consistently affordable. In addition, its accident forgiveness program can help you avoid a rate hike if you're able to take advantage of it before you're involved in an accident.
The average cost of car insurance in Alabama, and every other state, is higher for drivers who have a citation for a traffic violation, a DUI (driving under the influence) or an at-fault accident on their driving record.
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 $107 per month. Compared to the average cost for people with a speeding ticket, State Farm's rates are $710 cheaper per year.
Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Allstate | $150 |
| Nationwide | $166 |
| Travelers | $179 |
| Progressive | $205 |
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, which averages around $120 per month. With rates 43% cheaper than average, State Farm is an insurer you may consider if you have a history of accidents or traffic violations.
The rest of Alabama's top insurers raised rates by an average of 51% per year after an accident. Progressive penalized their drivers the most, increasing rates by 65%.
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Travelers | $197 |
| Allstate | $211 |
| Nationwide | $224 |
| Progressive | $264 |
Cheapest car insurance after a DUI: Allstate
Allstate gives their drivers the cheapest rates with a DUI on their record at $179 per month, which costs 23% cheaper than drivers with a DUI, whose monthly rates are $232 per month on average. Getting a DUI can make your rates 67% more expensive in Alabama.
Company | Monthly rate |
|---|---|
| Allstate | $179 |
| Progressive | $197 |
| State Farm | $200 |
| Travelers | $206 |
| Nationwide | $290 |
Cheapest car insurance for drivers with poor credit: Nationwide
Nationwide offers the best rates for drivers with poor credit, roughly $74 less than other companies on average. Drivers with poor credit in Alabama have rates more than 63% more expensive than drivers with good credit.
Company | Monthly rate |
|---|---|
| Nationwide | $192 |
| Allstate | $225 |
| Travelers | $244 |
| Progressive | $274 |
| Geico | $324 |
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 $129 per month for minimum coverage, and full coverage auto insurance is about 10% cheaper than average.
The average cost of cheap car insurance for young drivers in Alabama is $162 per month — which is about $112 more expensive monthly than it is for older drivers.
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 Alabama car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $129 | $297 |
| Travelers | $148 | $369 |
| Nationwide | $174 | $424 |
| Allstate | $185 | $443 |
| Geico | $188 | $452 |
Cheapest car insurance for young drivers after a ticket: State Farm
Young drivers who get caught driving too fast can find the best car insurance from State Farm, for an average rate of $1,720 per year. Those rates won't go up as much as drivers who have gotten into an accident.
Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Travelers | $187 |
| Nationwide | $192 |
| Allstate | $211 |
| Geico | $222 |
Cheapest car insurance for young drivers after an accident: State Farm
State Farm has the best minimum coverage prices for young drivers who were at fault in an accident, with an average of $165 per month. This is around 20% cheaper than the average statewide rates of $162 per month.
Company | Monthly rate |
|---|---|
| State Farm | $165 |
| Nationwide | $197 |
| Travelers | $214 |
| Allstate | $265 |
| Geico | $275 |
Cheapest car insurance for married drivers: State Farm
If you're a married driver in Alabama, State Farm has the lowest rates on average, followed by Progressive and Allstate. Married drivers can get a small discount on their car insurance premiums, saving an average of $137 per year when compared to single drivers.
Company | Monthly rate per car |
|---|---|
| State Farm | $99 |
| Progressive | $118 |
| Allstate | $129 |
| Nationwide | $134 |
| Travelers | $141 |
Best car insurance companies in Alabama
State Farm is the best overall car insurance company in Alabama.
State Farm has high customer satisfaction scores according to J.D. Power and NAIC. The company has a great balance of good coverage, cheap quotes and reliable customer support.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ | |
| Travelers | 829 | A++ | |
| Allstate | 824 | A+ |
Average car insurance cost in Alabama by city
Ozark is the cheapest city in Alabama for car insurance, with an average quote of $123 per month. Lipscomb is the most expensive, at $160 per month for a full coverage policy.
The average cost of full coverage car insurance in Alabama is $139 per month, but where you live in the state can greatly change the price you pay. The range between the cheapest city in Alabama and the most expensive city is $37 per month, on average.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abbeville | $127 | -9% |
| Abernant | $148 | 6% |
| Adamsville | $155 | 11% |
| Adger | $149 | 7% |
| Akron | $142 | 2% |
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 a good idea to get more coverage than is required by state law if you can afford it, but you should balance the increased protection against the increased premiums 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.
Recap of the cheapest auto insurance quotes in Alabama
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Allstate
- Poor credit: Nationwide
- Young drivers: State Farm
- Young drivers after a ticket: State Farm
- Young drivers after an accident: State Farm
- Married drivers: State Farm
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 $37 per month, and the cheapest rates for full coverage, at less than $100 monthly.
What does car insurance cost in Alabama?
The average price for a minimum coverage car insurance policy in Alabama is $600 per year, or $50 per month. Full coverage car insurance in Alabama is $1,669 per year on average.
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.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $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.