Cheapest Car Insurance Quotes in Alabama (2026)
Travelers has the cheapest car insurance in Alabama, at $134 per month for full coverage. That's $47 per month less than the state average.
Find Cheap Auto Insurance Quotes in Alabama
Best cheap auto insurance in Alabama
Best and cheapest car insurance in Alabama
- Cheapest full coverage: Travelers, $134/mo
- Cheapest minimum liability: Travelers, $43/mo
- Cheapest for young drivers: Country Financial, $120/mo
- Cheapest after a speeding ticket: Auto-Owners, $144/mo
- Cheapest after an accident: State Farm, $188/mo
- Cheapest for teens after a ticket: Country Financial, $156/mo
- Cheapest after a DUI: Travelers, $194/mo
- Cheapest for poor credit: Country Financial, $196/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Country Financial, Auto-Owners and State Farm all offer a good mix of reliable customer support and cheap rates in Alabama.
Travelers may have cheaper rates for many people; however, it tends to have poor customer service reviews. If you want a relatively smooth claims process should you get into a crash, it may be worth it to spend a little extra money on a policy from Country Financial, Auto-Owners or State Farm, all of which have better customer reviews.
Cheapest Alabama auto insurance: Travelers
Travelers, Country Financial and USAA have the cheapest full coverage car insurance in Alabama.
Find Cheap Auto Insurance Quotes in Alabama
- Travelers has the cheapest quotes for most people in Alabama, at $134 per month. That's $47 per month less than the state average.
- Country Financial is the best choice for most people in Alabama. At $138 per month, it only costs a few more dollars per month than Travelers. But it has much better customer service, which can be helpful if you're ever in an accident.
- USAA has the overall cheapest full coverage rates, at $119 per month. However, USAA is available only to current or former military members and their families.
Best cheap full coverage car insurance in Alabama
Company | Monthly rate | |
|---|---|---|
| Travelers | $134 |
| Country Financial | $138 |
| Auto-Owners | $144 |
| State Farm | $156 |
| Allstate | $174 |
*USAA is only available to current and former military members and their families.
Data-powered research on Alabama car insurance
| Data-powered research on AL car insurance |
|---|
Cheapest liability insurance in Alabama: Travelers
Travelers has the best cheap liability-only insurance in Alabama, at only $43 per month.
That's $23 per month cheaper than the state average.
Best liability-only car insurance quotes in Alabama
Company | Monthly rate |
|---|---|
| Travelers | $43 |
| Auto-Owners | $48 |
| State Farm | $53 |
| Country Financial | $58 |
| Progressive | $80 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Alabama
Best car insurance rates in Alabama for teens: Country Financial
Country Financial has the cheapest rates for teen drivers in Alabama.
At around $120 per month, liability-only coverage for an 18-year-old is $83 per month cheaper than the state average.
Country Financial also has the most affordable full coverage quotes for young drivers, at $281 per month. That's $248 per month less than what it costs on average in Alabama.
Low-cost auto insurance in Alabama for teens
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $120 | $281 |
| Travelers | $129 | $376 |
| Auto-Owners | $165 | $404 |
| State Farm | $183 | $459 |
| Allstate | $213 | $444 |
*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 $203 per month. That's $137 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: Auto-Owners
Auto-Owners offers the cheapest quotes for drivers in Alabama with a recent speeding ticket. A full coverage policy from Auto-Owners costs an average of $144 per month after one speeding ticket. That's about one-third what it costs on average in Alabama after a ticket.
Cheap Alabama car insurance rates after a ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $144 |
| State Farm | $169 |
| Travelers | $171 |
| Country Financial | $174 |
| Allstate | $185 |
*USAA is only available to current and former military members and their families.
A speeding ticket will raise your rates by around 26% in Alabama. That's an increase of $46 per month for a full coverage policy, on average.
Cheap insurance in Alabama after an accident: State Farm and Travelers
State Farm and Travelers have the cheapest rates in Alabama after an accident. Both companies charge around $188 per month for full coverage after your first at-fault accident. That's one-third less than the $277 per month it typically costs in Alabama.
State Farm has much better customer service reviews than Travelers. So it's a better choice for most people.
Best Alabama insurance after a crash
Company | Monthly rate |
|---|---|
| State Farm | $188 |
| Travelers | $188 |
| Country Financial | $190 |
| Auto-Owners | $218 |
| Allstate | $259 |
*USAA is only available to current and former military members and their families.
Overall, insurance companies in Alabama raise rates by 53% 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. Then, compare quotes from multiple companies to find the cheapest postaccident rates.
Cheap AL car insurance for teens with a ticket or accident: Country Financial
Country Financial has the best prices for teen drivers after a speeding ticket or crash.
A liability-only policy from Country Financial costs just $156 per month for an 18-year-old with one speeding ticket. That's one-third cheaper than the Alabama average of $234 per month.
Country Financial also has the cheapest liability-only coverage after an at-fault accident, at an average of $180 per month. That’s a savings of $86 per month compared to the state average.
Affordable Alabama car insurance for young drivers after a ticket or crash
Company | Ticket | Accident |
|---|---|---|
| Country Financial | $156 | $180 |
| Travelers | $162 | $191 |
| Auto-Owners | $165 | $228 |
| State Farm | $203 | $234 |
| Allstate | $231 | $272 |
*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 after a DUI. At $194 per month for full coverage, Travelers costs $151 per month less than the state average.
Best car insurance quotes in Alabama after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $194 |
| Allstate | $231 |
| Progressive | $264 |
| Country Financial | $282 |
| Auto-Owners | $334 |
*USAA is only available to current and former military members and their families.
A DUI will nearly double your car insurance rates in Alabama. 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: Country Financial
Country Financial offers the best rates for drivers with poor credit, at $196 per month for full coverage. That's $149 less per month than the Alabama average.
Low-cost car insurance in Alabama for drivers with bad credit
Company | Monthly rate |
|---|---|
| Country Financial | $196 |
| Travelers | $231 |
| Allstate | $291 |
| Progressive | $323 |
| Geico | $388 |
*USAA is only available to current and former military members and their families.
Drivers with poor credit in Alabama pay an average of $344 per month for full coverage insurance. That's $163 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
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Nationwide | 645 | A | |
| Auto-Owners | 638 | A+ | |
| Travelers | 613 | A++ |
Average car insurance rates in Alabama by city
Lexington, a small town near the Alabama-Tennessee border, has the cheapest car insurance in the state.
The average cost of full coverage insurance in Lexington is $165 per month.
Fairfield, a suburb of Birmingham, has the most expensive rates. At $213 per month, for a full coverage policy, Fairfield drivers pay $32 per month more than the state average. This could be because of the higher-than-average property crime rates in Fairfield.
Alabama car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abbeville | $176 | -3% |
| Abernant | $190 | 5% |
| Adamsville | $202 | 12% |
| Adger | $190 | 5% |
| Akron | $190 | 5% |
The average cost of full coverage car insurance in Alabama is $181 per month, but the city you live in impacts the price you pay. Areas with narrow streets, poorly maintained roads or higher crime rates tend to have more expensive car insurance rates.
What is the minimum liability limit in Alabama?
You must have at least 25/50/25 of liability insurance in Alabama to drive legally.
- 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 a Tesla, $25,000 of property damage liability won't 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 who is at fault.
Comprehensive coverage is the only way to protect your car against damage from natural disasters. This includes tornado and hail damage, as well as flooding from hurricanes and other storms, all of which are common in Alabama.
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?
Travelers has the most affordable car insurance quotes in Alabama for 2026. Liability-only coverage from Travelers costs only $43 per month, which is $23 per month less than the state average. Travelers also has the cheapest rates for full coverage, at $134 per month.
How much is car insurance in Alabama per month?
The average price for a minimum liability car insurance policy in Alabama is $66 per month. Full coverage car insurance in Alabama is $181 per month, on average.
How much is car insurance in Huntsville, AL?
Full coverage auto insurance in Huntsville, AL, costs an average of $175 per month. That's $6 per month less than the state average. In comparison, car insurance in Birmingham, AL costs around $206 per month, while drivers in Montgomery pay $196 per month.
Why is car insurance so expensive in Alabama?
Alabama car insurance may seem expensive, but it's actually cheaper than average. Full coverage car insurance in Alabama costs $27 per month less than the national average, while minimum coverage is $10 per month cheaper than average. This is partially because
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 2018 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
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- 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.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
