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How Cities in Alabama Ranked Based on Car Insurance Costs

Like all other states, Alabama has its own price for car insurance. Whether its on its gulf shores, in bustling Birmingham, or in its northern counties, expensive and not so expensive auto insurance can be found almost everywhere. We calculated the state average for our sample driver to be $1,279 a year, while the most expensive yearly premium was $1,403 and the lowest $1,171. 

Table of Contents 

Least Expensive Cities 

What is interesting about Alabama, compared to other states, is that its least expensive cities are not located in one general area. They extend from the Tennessee border all the way down to the Gulf Coast. The price range of the five least expensive was between $1,171 and $1,218.

Graph showing how the top five least expensive cities in Alabama for auto insurance stack up


The cultural and economic hub of northwestern Alabama, Florence is the least expensive city on our list for car insurance. The seat of Lauderdale County, it is home to about 10,000 residents. Our sample driver was quoted a yearly premium of $1,171, about 8% less expensive than the state average. 


Ozark, home to about 15,000 residents, is the seat of Dale County. Despite being 260 miles in the opposite direction of Florence, Ozark is the second least expensive city in our Alabama analysis. Our driver was quoted $1,194 per year, 7% less than the state average. 


Another representative of northern Alabama, Huntsville is one of Alabama's largest cities with over 200,000 residents. It's also the third least expensive city in our study, where our sample driver was quoted a yearly premium of $1,198. 


The fourth least expensive city is all the way back down south in Dothan. The seat of Houston county, it is another fairly large city with about 67,000 residents. Our sample driver living here was quoted $1,212 a year. 


Foley is one of Alabama's most southern cities, sitting directly on its Gulf Coast. Despite a constant barrage of hurricanes and tropical storms, Foley is actually the fifth least expensive place based on our data. Our driver was quoted a yearly premium of $1,218, 5% cheaper than the state average and 3% more expensive than Florence. 

Most Expensive Cities 

Like the least expensive cities, Alabama's most expensive cities are also geographically diverse. Some come from the storm-ravaged Gulf Coast while others are from more inland areas. Perhaps the most surprising thing however was the absence of Birmingham, Alabama's largest city. The price range of the five most expensive was relatively small, between $1,403 and $1,358. 

Graph showing how the top five most expensive cities in Alabama for auto insurance stack up


A large metropolitan area located in one of the most active hurricane centers in the world, it should not be surprising that Mobile is the most expensive city in our Alabama analysis. The old French settlement is one of the Gulf Coast’s cultural centers, boasting several art museums and concert halls. Our profiled driver was quoted a yearly premium of $1,403, about 10% more expensive than the state average and 20% more expensive than Florence. 

Grove Hill

Grove Hill of Clarke County is located away from the coast and near the heart of Alabama. The small town of 1,500 is the second most expensive place for our driver, who saw quotes of of $1,401 per year. 


A member of Mobile county, and located in between Mobile and Grove Hill, Citronelle is the third most expensive place on our list. Our sample driver from the small town named after the Citronella plant received a yearly quote of $1,394, 9% more expensive than the state average. 


Eufaula is a small city located on the Walter F. George Reservoir and about 1 mile from Georgia. It takes the fourth most expensive place in our study. Our driver here was quoted $1,390 per year.


Of all the cities and towns in the most expensive and least expensive lists, Jasper is the closest to Birmingham. The county seat of Walker County was once ranked as the world’s leading producer of coal. Our driver from the town was given a yearly premium of $1,358.

How Cost Differs By Place In Alabama

In this study we analyzed 27 cities and towns across Alabama and found a statewide auto insurance average of $1,279 per year--based on our profile driver. Whether a city was large or small had no influence on whether the city found itself on the inexpensive or expensive side of the list. 

RankCity Average Yearly Premium Percent Difference From Average 
1 Florence $1,171 -8%
2 Ozark $1,194 -7%
3 Huntsville $1,198 -6%
4 Dothan $1,212 -5%
5 Foley $1,218 -5%
6 Decatur $1,236 -3%
7 Birmingham $1,243 -3%
8 Auburn $1,243 -3%
9 Gulf Shores $1,248 -2%
10 Tuscaloosa $1,251 -2%
11 Andalusia $1,257 -2%
12 Alexander City $1,263 -1%
13 Anniston $1,271 -1%
14 Boaz $1,272 -1%
15 Daphne $1,277 0%
16 Russellville $1,277 0%
Average  $1,279 0%
17 Bay Minette $1,281 0%
18 Ft Payne $1,282 0%
19 Cullman $1,289 1%
20 Montgomery $1,296 1%
21 Clanton $1,299 2%
22 Troy $1,316 3%
23 Jasper $1,358 6%
24 Eufaula $1,390 9%
25 Citronelle $1,394 9%
26 Grove Hill $1,401 10%
27 Mobile $1,403 10%

How We Conducted This Study

We collected quotes from a variety of insurance companies across 27 towns and cities in Alabama. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeAlabama MinimumStudy Limits 
Bodily Liability  $25,000 per person / $50,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $25,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI None $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
Personal Injury Protection (PIP) None None
Comprehensive & Collision None  $500 Deductible 

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