Cheapest Insurance in Alabama 2021

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  • Find cheapest car insurance Alabama
  • Best insurance companies
  • 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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Find the cheapest car insurance in Alabama with Jerry

To find the most affordable insurance premiums in Alabama, your best bet is to use Jerry to get quotes from different companies.
Here’s how much Jerry customers were paying for car insurance in Alabama before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Alabama with Jerry

Insurance Company
Before Jerry
After Jerry
Assurance America
$1,936$954
Mercury
$2,267$1,142
Gainsco
$2,419$1,449
State Auto
$2,149$1,483
Allstate$1,936$1,532
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:
Before Jerry
After Jerry
$2,213$1,212
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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
Nationwide$1,080$762
National General
$2,003$1,083
Progressive$2,122$1,218

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:
Before Jerry
After Jerry
$3,789$1,902
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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
Safeco$5,850$1,761
National General
$4,315$1,766
Allstate$2,160$1,797
Travelers$2,069$1,883
Progressive$3,048$2,597
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
Before Jerry
After Jerry
18-20$2,628$1,620
21-24$2,580$1,731
25-34$2,236$1,463
35-44$2,467$1,645
45-54$2,245$1,424
55-64$2,192$1,397
65+$1,825$1,210
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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$2,493$1,663
Speeding over 15$2,677$1,846
Failure to Obey Traffic Sign$3,000$1,909
Speeding under 15$2,847$1,916
Improper Passing$2,196$2,040
Wrong Way/Wrong Lane$4,596$2,154
Driving on Sus. License$2,723$2,222
Other$2,620$1,457

Best carriers for drivers with infractions in Alabama

Insurance Company
Before Jerry
After Jerry
State Auto
$2,691$1,598
Allstate$2,030$1,638
Progressive$2,605$1,772
National General
$2,561$1,822
Travelers$2,979$1,952
Nationwide$3,018$2,153
Safeco$3,484$2,776

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$2,961$2,066
Speeding over 15$3,299$2,023
Speeding under 15$3,308$2,025
Improper Passing$2,196$2,040
Failure to Obey Traffic Sign$3,991$3,298
Other$3,228$2,073
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
Allstate$2,478$1,863
Progressive$2,888$1,929
National General
$3,211$2,179
Travelers$3,840$2,437
Safeco$4,123$3,463
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
Kia Optima LX$2,659$1,618

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:
City
Before Jerry
After Jerry
Birmingham$2,583$1,884
Huntsville$3,228$1,798
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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.

Methodology

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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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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