Cheapest Insurance in Alabama 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Cheap insurance in Alabama can be hard to come by. The state has high vehicle-related fatality rates—more than twice the national average—and insurers pass this risk onto policyholders.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Alabama. And if you want to learn more about car insurance rates in Alabama, keep reading.
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Here’s how much real Jerry customers saved in Alabama when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
May 28, 2021Jeep Renegade LatitudeBirmingham40ProgressiveCustom$229/mo.$71/mo.
April 9, 2021Honda Civic Del Sol SBirmingham22SafecoCustom$140/mo.$91/mo.
July 27, 2021Kia Forte GT LineBirmingham26National GeneralStandard$165/mo.$125/mo.
July 10, 2021Ford Focus SEHuntsville22Assurance AmericaCustom$191/mo.$132/mo.
April 8, 2021Nissan Altima SEBirmingham22GainscoCurrent$176/mo.$142/mo.
Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Alabama.

Cheapest minimum coverage car insurance in Alabama

The minimum required insurance coverage varies depending on your state laws. In Alabama, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Alabama:
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Additional coverages you might want to consider when shopping for car insurance in Alabama

Risk factorCoverage to consider
Severe weatherAlabama is prone to severe flooding and tornadoes. Comprehensive coverage protects your vehicle if it sustains damage from such a weather event.
Uninsured driversAlabama has a high percentage of uninsured drivers. Uninsured motorist protection will cover damages if you get into an accident with someone who isn’t insured.
High collision riskIf you get into an accident with another vehicle, collision insurance will cover repair costs for your car.
Even though you only require minimum liability insurance to drive legally in Alabama, purchasing additional coverage to protect you against state-specific risks is always a good idea.

Best carriers for minimum coverage car insurance in Alabama

Driving without the minimum required insurance is a misdemeanor in Alabama. If you’re caught, you could be subject to a fine of $500–$1,000, a 6-month suspension of your license and registration, and even 3–6 months imprisonment.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Alabama:
Insurance Company
Before Jerry
After Jerry
National General$2,003$998

Cheapest full coverage car insurance in Alabama

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
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Best carriers for full coverage car insurance in Alabama

Getting quotes from various insurance companies will help you ensure you have the most affordable rate for the coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Alabama:
Insurance Company
Before Jerry
After Jerry
National General$5,627$1,828
Full coverage insurance may cost more up front, but it offers greater financial protection and can save you a lot in the long run.

Cost to insure your car in Alabama by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Fatal car accidents account for almost half of preventable deaths among Alabama residents under the age of 18.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
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After Jerry
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Cost of insurance for drivers in Alabama with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
The points from these violations remain active for two years, though they stay on your record indefinitely. Insurance companies will see you as a high-risk driver and the convictions can affect your premiums for years.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,489$1,676
Speeding over 15$2,385$1,557
Failure to Obey Traffic Sign$3,000$1,909
Speeding under 15$2,912$1,911
Improper Passing$2,196$2,040
Driving on Sus. License$2,723$2,222

Best carriers for drivers with infractions in Alabama

Insurance Company
Before Jerry
After Jerry
State Auto$2,400$1,176
National General$2,672$1,756

Cost of insurance for young drivers in Alabama with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,024$2,110
Speeding over 15$3,299$2,023
Improper Passing$2,196$2,040
Speeding under 15$3,328$2,072
Failure to Obey Traffic Sign$3,991$3,298
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Alabama, check out these top carriers.

Best carriers for young drivers with infractions in Alabama

Insurance Company
Before Jerry
After Jerry
National General$3,790$2,602
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Alabama

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Alabama.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Multi-policy discountIf you insure multiple products with the same company, you’re often eligible for a discount on each policy.
Usage-based discountAgreeing to share your driving habits with your insurance company can come with a significant discount. You’ll typically get 5% off for signing up and then the better you drive, the more you save.
Prepayment discountMany insurers offer an incentive for paying your premium in full at the beginning of the term rather than monthly.
Good student discountIf you’re a full-time student between the ages of 16 and 24, you may be eligible for a discount in exchange for maintaining an average of at least a B.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.
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How much does it cost to insure my car make in Alabama?

The Nissan Altima is one of the most popular cars in Alabama. It also falls into the category of the cheapest cars to insure: standard cars (sorry sports car fans!) that are reasonably priced and have good safety records.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
GMC Terrain SLT$2,208$1,472

Cheapest car insurance in Alabama by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Though Alabama is largely rural, rates are high because of two main factors: uninsured motorists and accident rates.
Alabama ranks as one of the highest states in the country for uninsured drivers. An estimated 19.5% of drivers have no insurance at all, while 8.5% more are considered underinsured. The state also has incredibly high vehicle fatality rates—almost double the national average.
Insurance companies must take these serious risks into consideration when setting their rates. That said, premiums vary within Alabama depending on a number of local factors.
Here are the top 10 cheapest cities for car insurance in Alabama:
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After Jerry
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Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.


Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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