The best and cheapest car insurance companies in Alabama for 2022
United Svcs Automobile offers the cheapest auto insurance rates in Alabama at about $852 a year or $71 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.
How Much Does Car Insurance Cost in Alabama?
The average annual rate for an auto insurance policy in Alabama is $1,424. The figures we gathered from our Best Car Insurance Companies of 2022 survey show how rates can fluctuate greatly depending on the company and your circumstances.
These rates are based on statistics collected during our research and may not reflect your overall rates. Factors that can influence your car insurance rate include your age, marital status, education, driving record, and the age and model of the car you want to insure.
Is car insurance required in Alabama?
Yes, it is illegal to drive a motor vehicle without car insurance in Alabama. The state has a variety of insurance coverages including liability, bodily injury, comprehensive and collision, personal injury protection (PIP), and uninsured motorist coverage. Driving without insurance is a misdemeanor in Alabama, and if you’re caught, you could face fines, lose your license and vehicle, and jail time.
What car insurance is required in Alabama?
In Alabama, any vehicle designed for use on a public road or highway must carry the legally required amount of liability insurance.
When should I get car insurance in Alabama?
Check car insurance requirements to make sure you comply with local laws and protect your investment when moving or buying a new car.
How much car insurance do I need in Alabama?
According to the Alabama Department of Insurance, the amount of insurance must include:
- $25,000 bodily injury liability coverage, with a limit of $50,000 for any one occurrence for bodily injury
- $25,000 for property damage coverage
An uninsured motorist policy is not required but can protect you if you are in a collision with someone who does not have insurance and they are found to be at fault.
How much is car insurance in my city in Alabama?
Insurance rates vary greatly across cities, with the lowest rates found in Dothan, Madison, Decatur and Huntsville, averaging $1,350 and under per year. Among the most expensive cities is Birmingham, which averages more than $1,570 per year, slightly higher than the state average of $1,424 per year.
The cost of car insurance depends on many factors and can vary from person to person. The best way to find out how much you will pay for auto insurance is to get a quote online or speak with an agent or insurance company representative.
Best auto insurance companies in Alabama
Based on Insurance.com’s rate analysis, Progressive is our top pick for the best auto insurance company in Alabama. It has earned 4.8 auto star rating, highest among the carriers surveyed. Apart from Progressive, Geico, Auto Club of Southern California (Auto Club Enterprise Insurance Group), USAA and Liberty Mutual are the other top performers on the list of best car insurance companies.
Compare insurance providers based on their auto star ratings and decide which one is the right option for you.
Cheapest car insurance companies in Alabama
Don’t just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Alabama and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, United Svcs Automobile is the cheapest auto insurance company in Alabama that offers insurance policies at $852 annually or $71 a month, on average.
- CompanyAverage annual premiumAverage monthly premiumUnited Svcs Automobile Assn $852 $71
- Nationwide P&C $956 $80
- GEICO Casualty Co $1,076 $90
- Standard Fire $1,166 $97
- Allstate P&C $1,423 $119
- Auto-Owners $1,594 $133
- State Farm Mutl Automobile Ins $1,631 $136
- Progressive Specialty $1,640 $137
- Metropolitan P&C $2,102 $175
- Mid-Century $2,407 $201
Cheapest car insurance prices in Alabama
Geco is the cheapest car insurance company for teen drivers in Alabama. Its average annual premium for teenagers is $3,271, or $273 a month.
The difference in spending between the adolescent and adult groups is significant. Drivers in the youngest age group pay more than drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and make claims on their insurance policies. They are also more likely to drive illegally without insurance. All of these reasons lead to higher insurance rates for teenage drivers.
- The company’s average annual premium is $3,271
- State Farm Mutt Auto $4,690
- Nationwide Mutt Fire $4,996
- Allstate Prop & Case $6,020
- Progressive specialty $8,100
- Mid Century $9,776
Cheapest car insurance prices in Alabama for young people
Based on Insurance.com’s rate analysis, Geico is the cheapest car insurance company in Alabama for young adults. Its average annual premium is $1,572, or $131 a month.
Insurance rates for young drivers are more expensive than adult drivers because they have a shorter history of safe driving and lack of experience on the road.
If you’re a young driver still learning and looking for ways to save on your car insurance, make sure you take advantage of the discounts you’re eligible for. And those who are no longer students, can take advantage of other discounts offered by insurance companies to save on their insurance premiums.
- The company’s average annual premium is $1,572
- Allstate Prop & Case $2,411
- Progressive Specialty $2,468
- Nationwide Mutt Fire $2,675
- State Farm Mutt Auto $2,847
- Mid Century $3,252
Cheapest car insurance prices in Alabama
Geico is the cheapest car insurance company in Alabama for adults. Its average annual premium is $1,209, or $101 a month.
When most drivers reach their mid-20s, they enjoy cheaper car insurance rates than they did in their teens and early 20s. However, the cost of car insurance varies depending on a person’s driving record and the make or model they drive.
Mature drivers can lower the cost of auto insurance by shopping around and taking advantage of any discounts available. Another way to save on your premiums is to insure more than one vehicle with the same company or by bundling your home and auto insurance policies.
- The company’s average annual premium is $1,209
- Progressive Specialty $1,483
- Nationwide Mutt Fire $1,497
- Allstate Prop & Case $1,733
- State Farm Mutt Auto $1,756
- Mid Century $2,265
How we created this Alabama car insurance review
To obtain comparable insurance rates for this study, the U.S. The News worked with Quadrant Information Services to analyze insurance rate reports from most of the largest national car insurance companies in all 50 states, though not every company operates in every state. Quadrant obtains publicly available rate data that car insurance companies file with state regulators.
Our study rates are based on profiles of both male and female drivers aged 17, 25, 35 and 60 years. Vehicles used include the 2017 and 2021 Honda Civic, 2017 and 2021 Toyota RAV4, and 2017 and 2021 Ford, along with the annual F-150. Mileage between 6,000 and 12,000. Three car insurance coverage levels were used, such as credit levels of good, fair, and poor. Clean driving records, as well as records with one accident, one speeding violation, or one DUI were also used to calculate specific driver archetypes.
To get the study rates shown here, we calculated average rates for male and female drivers ages 17, 25, 35, and 60 who drive 12,000 miles per year, have moderate coverage, good credit, and a clean driving record. The rates shown here are for comparison purposes only and should not be considered “average” rates available through individual insurance companies. Because car insurance rates depend on individual factors, your car insurance rates will differ from the rates shown here.
Please note that the information provided on this website is for general information purposes only and does not constitute, and is not intended to constitute, legal advice.