Key Takeaways
- Assurance America, Bluefire and National General offer some of the cheapest car insurance in Alabama.
- The average cost of minimum coverage in Alabama is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Alabama.
If you need cheap car insurance in Alabama, consider getting a policy from insurers like Assurance America, Bluefire or National General. These companies are among the most affordable, according to real quotes for Jerry customers in Alabama.
Here are the cheapest auto insurance quotes in Alabama for minimum and full coverage, plus a preview of how those rates vary by age, driving history and credit score.
Cheap liability car insurance in Alabama
Liability-only insurance is the cheapest car insurance policy, but pays only for injuries or property damage you cause.
Here are the most affordable insurers in Alabama for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $71 | $850 |
| National General | $85 | $1,023 |
| Assurance America | $87 | $1,044 |
| Trexis | $90 | $1,076 |
| Safeco | $90 | $1,086 |
| First Acceptance | $99 | $1,186 |
| Progressive | $99 | $1,191 |
| The General | $109 | $1,313 |
| Embark General | $112 | $1,344 |
| Bristol West | $115 | $1,385 |
Minimum liability car insurance requirements in Alabama
Alabama’s minimum liability requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
Cheap full coverage car insurance in Alabama
Below are the cheapest auto insurers in Alabama for full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $165 | $1,975 |
| Assurance America | $177 | $2,130 |
| Progressive | $190 | $2,283 |
| Safeco | $218 | $2,620 |
| National General | $220 | $2,634 |
| The General | $242 | $2,904 |
| Electric | $249 | $2,988 |
| Trexis | $251 | $3,009 |
| Bristol West | $276 | $3,309 |
| First Acceptance | $287 | $3,439 |
Minimum liability vs. full coverage in Alabama
A minimum liability policy costs less than full coverage, but Alabama’s mandated insurance requirements may not cover all injury and property damage costs if you cause a serious crash.
Full coverage includes Alabama’s minimum requirements, plus coverage for your own vehicle. Here’s what it typically includes:
- Liability insurance: Pays for injuries or property damage you cause to someone else in an accident, up to your policy limits.
- Collision coverage: Pays for damage to your vehicle from an accident regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Pays for vehicle damage caused by a non-collision event like weather and theft. This coverage typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Alabama
Younger drivers in Alabama will likely pay more for car insurance than older drivers. That’s because younger drivers have less experience on the road and providers view them as riskier to insure.
Below are the average costs of car insurance in Alabama for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $283 | $3,399 |
| 21-24 | $239 | $2,867 |
Cheap liability car insurance in Alabama for a 20-year-old
Below are the cheapest auto insurers in Alabama for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $142 | $1,705 |
| National General | $144 | $1,722 |
| Progressive | $159 | $1,904 |
| Trexis | $161 | $1,930 |
| Dairyland | $165 | $1,981 |
Cheap full coverage in Alabama for a 20-year-old
Here are the most affordable insurers in Alabama for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $198 | $2,377 |
| Progressive | $286 | $3,429 |
| Bluefire | $314 | $3,766 |
| Trexis | $321 | $3,856 |
| First Acceptance | $357 | $4,285 |
Average auto insurance costs for mature drivers in Alabama (25-54)
As drivers get more experience on the road, the price of car insurance usually starts to decrease.
Below are the average costs of car insurance for drivers in Alabama between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $186 | $2,236 |
| 35-44 | $153 | $1,838 |
| 45-54 | $149 | $1,783 |
Cheapest liability car insurance in Alabama for a 35-year-old
Here are the most affordable insurers in Alabama for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $57 | $680 |
| Trexis | $70 | $841 |
| Bristol West | $71 | $855 |
| National General | $71 | $858 |
| Clearcover | $73 | $875 |
Cheapest full coverage in Alabama for a 35-year-old
Here are the most affordable insurers in Alabama for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $161 | $1,929 |
| Assurance America | $182 | $2,181 |
| Progressive | $202 | $2,423 |
| The General | $228 | $2,736 |
| Safeco | $228 | $2,738 |
Average car insurance costs for older drivers in Alabama (55+)
The cost of car insurance typically starts to increase again once a driver hits 65. Below are the average costs of car insurance for drivers in Alabama 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $130 | $1,565 |
| 65+ | $150 | $1,798 |
Cheapest liability car insurance in Alabama for a 65-year-old
Here are the most affordable insurers in Alabama for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $57 | $683 |
| Assurance America | $60 | $720 |
| First Acceptance | $62 | $742 |
| Bluefire | $72 | $866 |
| Trexis | $85 | $1,014 |
Cheapest full coverage in Alabama for a 65-year-old
Below are the cheapest auto insurers in Alabama for 65-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $131 | $1,568 |
| Bluefire | $139 | $1,666 |
| Progressive | $150 | $1,801 |
| National General | $182 | $2,184 |
| The General | $213 | $2,559 |
Cheapest car insurance in Alabama by driving history
Your driving history is a big factor in your auto insurance costs in Alabama. If you have a clean driving record, you’ll probably pay less for coverage than someone with a speeding ticket, at-fault accident or DUI.
Cheap car insurance for drivers with clean records in Alabama
Below are the cheapest auto insurers in Alabama for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $65 | $779 |
| Anchor General | $91 | $1,092 |
| Bluefire | $119 | $1,423 |
| Progressive | $137 | $1,640 |
| Assurance America | $138 | $1,657 |
Cheapest car insurance with a speeding ticket in Alabama
Here are the most affordable insurers in Alabama for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $134 | $1,603 |
| Progressive | $169 | $2,032 |
| Assurance America | $175 | $2,096 |
| National General | $183 | $2,198 |
| Safeco | $184 | $2,205 |
Cheapest car insurance after an at-fault accident with no injury in Alabama
Below are the cheapest auto insurers in Alabama for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $138 | $1,659 |
| Assurance America | $167 | $2,000 |
| The General | $184 | $2,207 |
| Progressive | $185 | $2,220 |
| National General | $187 | $2,244 |
Cheapest auto insurance after an at-fault accident with injury in Alabama
Here are the most affordable insurers in Alabama for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $110 | $1,319 |
| National General | $139 | $1,665 |
| Bluefire | $139 | $1,672 |
| First Acceptance | $145 | $1,739 |
| Bristol West | $150 | $1,799 |
Cheapest car insurance with a DUI in Alabama
Here are the most affordable insurers in Alabama for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $80 | $965 |
| National General | $96 | $1,147 |
| Gainsco | $102 | $1,220 |
| Assurance America | $104 | $1,248 |
| Trexis | $130 | $1,555 |
Average auto insurance costs for Alabama drivers with other violations
Below are average car insurance costs in Alabama for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $360 | $4,317 |
| Defective Equipment | $250 | $3,002 |
| Driving on Sus. License | $175 | $2,099 |
| Eluding Police | $105 | $1,265 |
| Failure to Obey Traffic Sign | $152 | $1,829 |
Cheapest auto insurance for low credit scores in Alabama
Alabama drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in Alabama for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $65 | $779 |
| Anchor General | $91 | $1,092 |
| Bluefire | $115 | $1,384 |
| Assurance America | $146 | $1,749 |
| Progressive | $156 | $1,868 |
More: How credit-based insurance scores work
How to find cheap car insurance in Alabama
You can get the cheapest car insurance by comparing quotes from multiple insurers. Rates can vary widely by insurance company, so your current insurer may not offer you the best rate available.
Here are some steps you can take to find cheap auto insurance in Alabama:
- Ask about discounts you qualify for.
- Install a telematic device on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
You can keep your car insurance costs down by practicing safe driving habits so you don’t get into an accident or get a ticket. For example, a citation for running a red light in Alabama might increase your insurance costs.
Be sure to also avoid speeding, tailgating and distracted driving — like texting while driving — and fumbling with the radio.
More: Best car insurance companies
Factors that affect car insurance costs in Alabama
Alabama insurers price auto insurance rates using various factors, including:
- ZIP code.
- Driving record.
- The type of vehicle you drive.
- Credit score.
- Claims history.
- Age.
- Deductible amount.
- Marital status.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
