Best Car Insurance Companies in Alabama
We’re ranking Assurance America as the overall best car insurance provider in Alabama, but Clearcover, Gainsco, and Progressive also offer great service.
Written by Andrea Barrett
Edited by Jessica Barrett
While there are plenty of big insurance companies in Alabama, some of the best ones for
Alabama car insurance
are smaller companies like Assurance America, Gainsco, and Clearcover—but other larger companies like National General and Progressive still may offer the best rates for you.- Smaller insurance companies like Assurance America, Clearcover, and Gainsco outperform larger companies in policy cost and customer service
- Assurance America, Gainsco, and National General offer some of the cheapest rates for high-risk drivers
- To find the lowest rates on Alabama car insurance, ask about discounts, bundle policies, and shop around
- Smaller insurance companies like Assurance America, Clearcover, and Gainsco outperform larger companies in policy cost and customer service
- Assurance America, Gainsco, and National General offer some of the cheapest rates for high-risk drivers
- To find the lowest rates on Alabama car insurance, ask about discounts, bundle policies, and shop around
Assurance America: For high-risk drivers
Assurance America: For high-risk drivers
Real 5-star customer review:
"I’ve shaved off at least $50 a month using
Jerry
. For now, I chose only to pay for Alabama state minimums, but I am confident that with Jerry, I can upgrade or change my coverage at any time. The AI-integrated process is really intuitive, too!” —Fred D.Overall Jerry rating in Alabama: 4.6
JD Power customer satisfaction: Not rated for Alabama market
AM Best financial strength: N/A
NAIC complaint index (June 2023): More than expected
If you’ve been convicted of a DUI, speeding tickets,
reckless driving
, or even driving without insurance
and can’t find affordable insurance, Assurance America has your back. As a small insurance company operating in only 10 states, Assurance America specializes in offering nonstandard auto insurance for high-risk drivers who may not be able to find affordable insurance otherwise. Our Alabama customers ranked Assurance America highly for policy cost and customer service, but they lack a wide selection of coverage options like larger auto insurance companies.
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Clearcover: Best for digital auto insurance experience
Clearcover: Best for digital auto insurance experience
Real 5-star customer review:
"Thanks to
Jerry
, I went from paying $360 to $232 on my full coverage insurance. By switching to Clearcover I save $128 every month. What more could you ask for?” —Carl N.Overall Jerry rating in Alabama: 5.0
JD Power customer satisfaction: Not rated for Alabama market
AM Best financial strength: A-
NAIC complaint index (June 2023): More than expected
For Alabama drivers looking to keep their insurance experience online, Clearcover offers a highly-rated app and seamless website experience to manage your insurance policy. It also has an excellent claims process that allows you to submit and track your auto insurance claims through its app. Most drivers find their claims are settled in about a week.
While our Alabama customers rank Clearcover highly for cheap insurance policies and customer service, product offerings are limited to auto insurance only—so drivers looking to bundle insurance products may want to consider other providers.
Gainsco: Good for high-risk drivers
Gainsco: Good for high-risk drivers
Real 5-star customer review:
"They handled everything! All I had to do was review and sign my documents. My agent explained everything and was clear on everything. I felt very comfortable buying." —Janean
Overall Jerry rating in Alabama: 4.7
JD Power customer satisfaction: Not rated for Alabama market
AM Best financial strength: A-
NAIC complaint index (June 2023): N/A
Gainsco is another insurance provider specializing in nonstandard car insurance for drivers who may struggle to find coverage with other insurers. If you’re a high-risk driver, a young driver, or have poor credit, Gainsco can help you find an affordable policy. They also specialize in
SR-22 certification
and non-owner car insurance. While our Alabama customers give Gainsco a high overall rating, especially for policy cost, their claim processing didn’t rank well. That said, they were recently acquired by State Farm, so things may improve.
Progressive: Best for discount options
Progressive: Best for discount options
Real 5-star customer review:
"Due to my driving record, finding coverage was really expensive. Progressive gave me coverage at an affordable rate." —Sabrina
Overall Jerry rating in Alabama: 4.4
JD Power customer satisfaction: 816
AM Best financial strength: A+
NAIC complaint index (June 2023): Slightly more than expected
Progressive is the second-largest auto insurance provider in the country and offers insurance for almost everything with a motor. They offer 24/7/365 customer support online and over the phone and are one of the
best car insurance companies
with a lengthy list of competitive auto insurance discounts. Regardless of price, there are plenty of opportunities to save.Alabama drivers rated Progressive 4.4 overall and earned 4.3 for claims processing and 4.1 for customer service, but some customers complain about lengthy wait times to speak to a Progressive customer service representative.
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National General: Best for drivers with a DUI
National General: Best for drivers with a DUI
Real 5-star customer review:
"
Jerry
reduced my bill from $240/month to $176/month for National General. I was able to keep the same coverage!” —Erin H.Overall Jerry rating in Alabama: 4.4
JD Power customer satisfaction: Not rated for Alabama market
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
While National General offers auto insurance policies for all drivers, they’re one of the best companies for offering policies to first-time
DUI
offenders who have completed safe driving and substance abuse therapy programs and drivers who need an SR-22. While previously a small company, National General was acquired by Allstate in 2021 and has seen its rankings increase.But while the company may offer a wide selection of auto products and discounts, it has a higher-than-expected number of auto insurance complaints for its size and can improve claims satisfaction and digital shopping experience.
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Cutting corners on your Alabama car insurance can leave you vulnerable
Sticking to the minimum limits outlined in
Alabama’s car insurance laws
can help to keep your car insurance rates low, it leaves you financially vulnerable if you’re involved in an at-fault car accident. Increasing your bodily injury liability and property damage liability limits is recommended beyond the state-mandated minimum requirements—especially for teen drivers or those with a new car. Adding
collision
and comprehensive
coverage to your policy doesn’t cost a lot but can further increase your level of protection.How to save on your Alabama auto insurance
Although it would be simple, no single car insurance company will offer the cheapest auto insurance rates to every Alabama driver. Insurers use several factors to
calculate car insurance rates
, such as your age, your vehicle make and model, whether you have a clean driving record
, your location, and the coverage limits you choose.- Ask aboutcar insurance discounts: Discounts are one of the easiest ways to save on your insurance rates. From being asafe drivertodriver training discounts, most Alabama insurers offer a selection of discounts you may be eligible for.
- Bundle your policies: If you need another type of insurance (homeowners, RV,renters insurance, etc.), bundling it with your car insurance policy will help you save money on both insurance premiums.
- Shop around and compare: Don’t pick the first quote you get. Request freecar insurance quotesfrom at least three different providers before committing to save money—andJerry, the AllCar™ app, can help you do it in minutes!
Methodology:
Jerry’s content editors analyzed 23 of the top insurers in Alabama and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s nationwide carrier survey.
FAQs
What are the cheapest car insurance companies in Alabama?
There’s no single car insurance company that will offer cheap car insurance rates for every Alabama driver. Rates are determined by looking at your entire driver profile, including your age, location, vehicle type, coverage needs, driving history, credit score, and more. As such, rates will vary between drivers and insurance carriers.
How much is car insurance in Alabama?
The average rate of minimum liability coverage is $1,340, while the average cost for a full coverage policy in Alabama is $2,092.
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