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.
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:
Additional coverages you might want to consider when shopping for car insurance in Alabama
Coverage to consider
Alabama is prone to severe flooding and tornadoes. Comprehensive coverage protects your vehicle if it sustains damage from such a weather event.
Alabama 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 risk
If 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:
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:
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.
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:
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:
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.