How to find the cheapest car insurance quotes in Alabama
There’s no “one-size-fits-all” when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.
For years, the Jerry Insurance Agency has helped thousands of drivers to find plans and prices that fit them like a glove. Compare some of the recent quotes Jerry found for drivers in Alabama:
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Bluefire | $61 | Jimmy, 47, Birmingham, AL | Toyota Camry Le | State Minimum | No |
| Progressive | $70 | Rena, 41, Brent, AL | Dodge Durango Slt | State Minimum | No |
| Progressive | $58 | Chris, 24, Birmingham, AL | Nissan Altima 2.5 | State Minimum | No |
| Embark General | $293 | Jane, 27, Pinson, AL | Volkswagen Passat S | State Minimum | Yes |
| First Acceptance | $162 | Tommy, 28, Muscle Shoals, AL | Nissan Maxima S | State Minimum | Yes |
Cheapest car insurance companies in Alabama
Jerry knows where to find the best car insurance rates for every driver in Alabama. How? You told us!
According to our survey, the secret to a great policy is finding the auto insurance company that suits you best. The five largest auto insurance companies in Alabama are State Farm, Alfa Insurance, Allstate, Progressive, and GEICO. But not every driver will find the best rate with the biggest company.
For example, if you have a bad driving record, you should probably check out Progressive; but if you have a military record, you can’t do much better than USAA. And if you’re on the road more often than not, AAA’s nationwide discount program is invaluable!
Here’s what the survey respondents had to say about the best car insurance companies in Alabama:
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Esurance | October 30, 2024 | 5 | “I absolutely love this. Company, they have been very easy to deal with.” -Isaiah |
| Assurance America | October 24, 2024 | 5 | “It’s the best insurance I’ve ever had “ -Bertie |
| Amica | October 24, 2024 | 4 | “So far it’s been pretty good I was able to get a lower rate wit the same deductible and my previous insurance company…(read more)“ -Dollie |
| Main Street America | October 24, 2024 | 3 | “My rate were good in the beginning. But it seems like every time I renew my 6 month policy. It goes up. Significantly…(read more)“ -Linnie |
| State Farm | October 21, 2024 | 4 | “I have been with Alfa a year and a half. They are a good company my price is just a little high! “ -Minnie |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
So, how do you find the company that can offer you the smartest plan and the best rates? How do you choose among Farmers, AARP, and hundreds of other companies with thousands of products?
Just reach into your pocket and pull out your personal licensed insurance agent, Jerry! Our free app shows you the cheapest car insurance companies based on your policy needs. Trust our team of 100+ licensed insurance agents and customer service experts to give you the best shopping experience you’ve ever had.
Minimum car insurance requirements for liability and full coverage in Alabama
Alabama’s car insurance laws require every driver in the state to carry liability car insurance. If you cause harm to somebody else or their property while driving, liability insurance will pay for the cost of treatment, repairs, and replacements.
Cheapest minimum liability coverage in Alabama
In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.
Your insurance provider must insure you for at least $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability coverage per accident. No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.
If you’re sticking with the absolute minimum car insurance requirements, here’s a sample of the best quotes you can get:
Do you need more than the minimum liability insurance coverage in Alabama?
Just because you can get away with the minimum liability insurance coverage doesn’t mean you should—in fact, many Alabama drivers don’t!
If you cause an accident that exceeds your policy’s bodily injury liability and property damage liability coverage limits, the injured party could sue you. Compared to the cost of paying someone else’s medical expenses and repair bills out of pocket, annual premiums aren’t so bad.
That said, to make sure you’re always covered, we recommend you opt for full-coverage insurance.
Cheapest full coverage Alabama auto insurance quotes
Liability insurance coverage benefits other people, but full-coverage car insurance has your back no matter what. It pays for repairs and replacements to your motor vehicle even if you’re at fault.
A full-coverage insurance policy usually contains liability coverage, collision coverage, and comprehensive coverage. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault. Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!
Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance. And while full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates for complete peace of mind:
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Embark General | $293 | Jane, 27, Pinson, AL | Volkswagen Passat S |
| State Minimum | Yes | First Acceptance | $162 | Tommy, 28, Muscle Shoals, AL | Nissan Maxima S |
| State Minimum | Yes | Embark General | $370 | Ralph, 62, Muscle Shoals, AL | Nissan Rogue Sport S |
| State Minimum | Yes | National General | $241 | Mattie, 48, Homewood, AL | Bmw 535 I |
| State Minimum | Yes | Progressive | $114 | Derek, 31, Foley, AL | Toyota Camry Le |
Average rates for minimum liability coverage and full coverage car insurance in Alabama
In May 2023, the average cost of a full coverage car insurance policy in Alabama was $2,086 per year. If you stuck with the minimum requirements for liability car insurance in Alabama, you’d pay about $1,273 per year or about $106 per month.
That’s assuming you don’t ask Jerry to find cheap car insurance quotes for you, of course.
However, keep in mind that the average car insurance quote can only tell you so much. Auto insurance companies look closely at your driving history, age, and other factors to calculate your premiums. If you’re a new driver with a bad driving record and with one of the most expensive cars to insure, you’ll need to add several hundred dollars to these estimates.
Other types of Alabama auto insurance
The state minimum requirements for car insurance prove your financial responsibility to others on the road, but they leave you with a lot to worry about. Perhaps you want to safeguard your motor vehicle against more dangers than bad weather and thieves. If you have dependents, you might be concerned about far more than car repair bills.
For a variety of situations, there are many additional coverage options like:
- Gap insurance, which pays for the remainder of your debt if the post-wreck insurance payout doesn’t cover it.
- MedPay, which provides long-term medical treatment for you and your passengers.
- Non-owner car insurance, which provides you with liability insurance coverage while you’re driving cars you don’t own.
- Personal injury protection (PIP), which covers you and your passengers’ injuries, even if you’re at fault.
- Rental reimbursement coverage, which offsets the cost of a rental car if your primary vehicle ends up in the garage following a covered claim.
- Towing and labor coverage, which pays for services like gas delivery, battery boosts, and towing.
Learn more: Types of insurance
Finding low car insurance premiums for every kind of driver
Remember when we talked about how different factors affect your car insurance premiums? Here’s a fuller picture of what things auto insurance companies take into consideration:
- Your age and demographics: Are you a new driver? A senior? A student? A veteran? You could be subject to high rates or insurance discounts depending on the insurance provider.
- Your credit score: You guessed it: credit scores affect car insurance. With a good credit score, you’ll have access to the best rates.
- Your driving record and claims history: If you’ve gotten a ticket, the penalties don’t stop with a fine. Your car insurance premiums will be higher than those of a “good driver” for a while.
- Your driving habits: Commuters risk getting into an accident twice per day, five days per week, thanks to rush hour. You’ll enjoy lower rates if you stay or work at home.
- Your location: Cities are busier, louder, and more hazardous to cars than a quiet country driveway in the middle of nowhere. You’ll pay higher rates if you live in the former.
How to find cheap Alabama car insurance if you’re a high-risk driver
Driver violation points significantly affect your insurance rates. They also affect which auto insurance company is right for you. Some car insurance providers are willing to work with a customer with a high-risk driver profile, and others aren’t–especially if you have serious violations like reckless driving or DUI. Here’s how to find the right fit for your situation:
How to find cheap car insurance in Alabama after a speeding ticket
The Alabama Law Enforcement Agency distinguishes between two kinds of speeding violations: 1-25 mph over the speed limit and 26 or more mph over the speed limit. You’ll receive two demerit points if you commit the former, and five if you commit the latter.
An Alabama speeding ticket also comes with a $150-$300 fine. Commercial drivers can even lose their licenses completely.
Regardless of the offense, these Alabama drivers had luck finding insurance at the following companies with Jerry:
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Major | Embark General | $293 | Jane, 27, Pinson, AL | Volkswagen Passat S | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $48 | Daisy, 57, Wetumpka, AL | Chevrolet Colorado Lt | State Minimum | No |
| Speeding Violation-Minor | Bluefire | $40 | Essie, 46, Foley, AL | Lincoln Mark Lt | State Minimum | No |
| Speeding Violation-Major | Assurance America | $154 | Leon, 20, Phenix City, AL | Chevrolet Silverado C1500 | State Minimum | No |
| Speeding Violation-Minor | National General | $57 | Inez, 34, Huntsville, AL | Honda Civic Lx-S | State Minimum | No |
How to find cheap Alabama auto insurance after a DUI
Alabama’s DUI laws have serious consequences for those who drive impaired. Drivers face a $600-$2,100 fine, a license suspension of 90 days, and a jail term of up to one year. Not to mention the impact an OWI, DWI, and DUI can have on your car insurance premiums!
It’s tough, but it’s not the end of the world. Jerry has helped many high-risk Alabama drivers cope with the rising cost of car insurance after a DUI conviction:
The cheapest Alabama car insurance companies for SR-22 insurance
Multiple traffic tickets, convictions, or accidents lead to an SR-22 in Alabama. An SR-22 is a filing requirement designed to make it near-impossible for high-risk drivers to hit the road without liability coverage. It must be filed by an auto insurance company and renewed yearly; allowing it to lapse (by missing a payment, for example) could cost you your license.
More than anything, an SR-22 requirement severely restricts your choice of insurance provider. You’ll need to compare a lot of quotes before you can find the cheapest car insurance company.
How to find cheap car insurance in Alabama after an at-fault accident
Sure, everyone knows that a clean driving record comes with lower insurance premiums, but it’s easier said than done. Even good drivers have bad days and make mistakes. So, while you’re working to get rid of the accidents on your Alabama driving record, put some of that effort into finding a car insurance company that won’t hold the past against you—and brush up on Alabama’s car accident laws!
With Jerry’s help, high-risk drivers found savings with these companies after their at-fault accident:
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $70 | Rena, 41, Brent, AL | Dodge Durango Slt | State Minimum | No |
| Not At Fault | Embark General | $293 | Jane, 27, Pinson, AL | Volkswagen Passat S | State Minimum | Yes |
| At Fault With No Injury | Embark General | $370 | Ralph, 62, Muscle Shoals, AL | Nissan Rogue Sport S | State Minimum | Yes |
| Not At Fault | National General | $99 | Trevor, 29, Birmingham, AL | Toyota Prius | State Minimum | No |
| At Fault With No Injury | Progressive | $114 | Derek, 31, Foley, AL | Toyota Camry Le | State Minimum | Yes |
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Is Alabama a no-fault state?
The best Alabama auto insurance for other high-risk drivers
Of course, there are other ways to get in trouble on the road besides a DUI conviction or speeding ticket. Depending on the severity of the violation, the impact on your insurance premiums can range from minor to major. Why not take a look around for a better rate in the meantime?
These Alabama drivers located a cheaper car insurance policy through Jerry after their traffic violations:
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Failure to Yield | Bluefire | $79 | Johnny, 48, Birmingham, AL | Honda Accord Exl | State Minimum | No |
| Improper Passing | Progressive | $390 | Martin, 22, Birmingham, AL | Infiniti Q50 Base | State Minimum | Yes |
| Unsafe Operation of a Motor Vehicle | Progressive | $88 | Grace, 44, Huntsville, AL | Kia Sportage Ex | State Minimum | No |
| Reckless Driving | The General | $203 | Christina, 23, Huntsville, AL | Hyundai Genesis 3.8L | State Minimum | Yes |
| Driving on Sus. License | Progressive | $60 | Cameron, 23, Brewton, AL | Dodge Avenger Se | State Minimum | No |
How to find cheap Alabama car insurance after a car insurance lapse
Like a safe driving streak, an unbroken car insurance history can net you cheaper rates. Unfortunately, even if you have a good reason, any car insurance lapse will change your rates for the worse.
Not only does Jerry provide payment reminders, but it can also send you renewal reminders (and an up-to-date cost comparison) ahead of your auto insurance policy’s expiration date.
How to find cheap Alabama car insurance with a low credit score
A high credit score tells car insurance companies you have a history of paying your bills. And because insurance providers are allergic to risk, they’re usually happy to throw lower rates your way.
However, you’re not out of luck with a low credit score. To help you deal with the higher rates that drivers with poor credit typically find, Jerry partners with companies who work with Alabama drivers with a credit score of 550 or less:
|
Credit Score
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Bluefire | $61 | Jimmy, 47, Birmingham, AL | Toyota Camry Le | State Minimum | No |
| 550-659 | Progressive | $70 | Rena, 41, Brent, AL | Dodge Durango Slt | State Minimum | No |
| 660-750 | Progressive | $58 | Chris, 24, Birmingham, AL | Nissan Altima 2.5 | State Minimum | No |
| 550-659 | Embark General | $293 | Jane, 27, Pinson, AL | Volkswagen Passat S | State Minimum | Yes |
| <550 | First Acceptance | $162 | Tommy, 28, Muscle Shoals, AL | Nissan Maxima S | State Minimum | Yes |
How to find cheap auto insurance in Alabama for your age
Car insurance rates follow an inverse bell curve—they start high when you’re a new teen driver, drop in the middle, and rise again as you age. So, if you’re in the sweet spot between 25 and 75 years old, enjoy the savings! If not, read on.
The best car insurance companies in Alabama for young drivers
New drivers have empty, unproven driver profiles. And because teen drivers between the ages of 16-19 are the most likely to be involved in a car accident, they pay the highest rates of any age group.
The best car insurance companies for senior drivers in Alabama
While older drivers have experience on their side, they’re also prone to vision and hearing losses as they age. Add this to the fact that they’re more likely to suffer severe injuries in a car accident, and you have a formula for higher premiums.
How to find car insurance discounts in Alabama for your motor vehicle
It should come as no surprise that sports cars, luxury SUVs, and other high-end motor vehicles are more expensive to insure. Just check out the difference between the insurance costs of a Honda Civic LX and a Civic Sport Touring! It’s all in the materials—Alcantara upholstery and zebrawood inlay might look nice, but they’re pricey to repair.
To save, find a ride with cheap repair costs, a good security system, and excellent safety ratings. You may also earn an insurance discount by installing a vehicle anti-theft device!
The roads in the state of Alabama are dominated by five models:
- Chevrolet Silverado
- Ford F-150
- Toyota Camry
- Toyota RAV 4
- GMC Sierra
Popular and dependable, you can be sure that parts for these cars will almost always be available. Pair them with a car insurance policy from Jerry and you’ve got a ride that won’t break the bank.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Toyota Camry Le | Bluefire | $61 | Jimmy, 47, Birmingham, AL | State Minimum | No |
| Toyota Camry Le | Progressive | $114 | Derek, 31, Foley, AL | State Minimum | Yes |
| Toyota Camry Le | The General | $121 | Jeffery, 24, Huntsville, AL | State Minimum | No |
| Ford F-150 | Progressive | $293 | Cameron, 39, Morris, AL | State Minimum | Yes |
| Toyota Camry Le | The General | $208 | Micheal, 50, Birmingham, AL | State Minimum | Yes |
Learn more: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
Generally, new cars cost more to insure than old cars. Modern vehicles feature sophisticated technology that creates a huge difference between the insurance costs of a 2023 Ford F-250 and a model from ten years ago. The rising cost of materials and supply chain issues have only made repairs more expensive.
On the plus side, we can now use technology to find and compare car insurance quotes without much effort.
How to find cheap car insurance in Alabama in your city
Chances are you’ve heard that the insurance rates in Huntsville, Birmingham, and Montgomery are abysmal. But we’ll bet you haven’t heard a peep from the folks in Cusseta—did you even know there was a Cusseta, AL? That’s because sedate country towns have lower accident rates, lower crime rates, and lower car insurance rates.
Take a look at the table below to see what you could be saving across the state of Alabama:
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Birmingham | Jimmy | Bluefire | $61 | Toyota Camry Le | State Minimum | No |
| Brent | Rena | Progressive | $70 | Dodge Durango Slt | State Minimum | No |
| Birmingham | Chris | Progressive | $58 | Nissan Altima 2.5 | State Minimum | No |
| Pinson | Jane | Embark General | $293 | Volkswagen Passat S | State Minimum | Yes |
| Muscle Shoals | Tommy | First Acceptance | $162 | Nissan Maxima S | State Minimum | Yes |
How to lower the cost of car insurance in Alabama
Now that we’ve examined why your insurance premiums are high, it’s time to explore what you can do about it. To cut your bills month after month, Jerry’s insurance agents recommend:
- Comparison shopping: As we’ve said, there’s an ideal auto insurance company for every driver. You won’t know if you’ve got the right one until you shop around and take a look.
- Bundling insurance products: What do you get when you bundle your car and home insurance together? If they’re from the same company, you get an insurance discount!
- Looking for car insurance discounts: Speaking of discounts, there are plenty to find. See whether your insurance provider has a program for students, veterans, or military members by giving them a call.
- Increasing your deductible: The more you agree to pay upfront after an accident, the less you’ll have to pay month-to-month.
- Changing your payment methods: Pay your bills in one to four lump sums and you’ll cut the cost of your annual premiums.
- Taking a defensive driving course: Not only can a state-approved defensive driver course remove demerit points from your record, but it can also lower your monthly premiums.
- Buying a used car: Pick a dependable classic with cheap repairs and low insurance costs, and you’ll enjoy many years of savings.
Why is car insurance so expensive in Alabama?
It’s not your imagination: auto insurance rates are going up. Here are a few reasons why Alabama drivers are feeling squeezed for cash:
- Higher premiums nationwide: Auto insurance is the fastest-growing motor vehicle-related expense. Between 2012 and 2022, the national average auto insurance rate rose by 52%.
- Higher motor vehicle fatality rates: In 2021, the US Department of Transportation reported 19.5 deaths per 100,000 residents in Alabama. Fatalities cause millions of dollars in damages to both human lives and property.
- More drivers per capita: Alabama has the third-highest number of licensed drivers per driving age population, which leads to more congestion.
More expensive medical care: The cost of medical care is rising and taking car insurance premiums with it. Not only that, but the severity of crash injuries has also increased, as more drivers fall prey to road rage and distraction.
Learn more: 11 Ways to lower car insurance
FAQ
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How much is car insurance in Alabama per month?
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How much does car insurance cost in Alabama?
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Does Alabama require car insurance?
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What increases car insurance rates in Alabama?
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Does insurance follow the car or the driver in Alabama?
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What is full-coverage car insurance in Alabama?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
