Find Cheaper Alabama Car Insurance Rates in 2024
Enter your Alabama zip code below to view companies that have cheap auto insurance rates.
Estimated auto insurance rates in Alabama for 2024 are $1,270 annually with full coverage. Comprehensive insurance, collision insurance, and liability cost around $282, $516, and $328, respectively. Birmingham, Mobile, and Bessemer have the most expensive car insurance rates, and the three companies who insure the most vehicles in Alabama are State Farm, Alfa Insurance, and Allstate.
Average rate for full coverage: $1,270
Price estimates for type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range of Car Insurance in Alabama
For the average 40-year-old driver, insurance rates range from as cheap as $390 for the bare minimum liability coverage to a much higher rate of $2,746 for coverage for higher-risk drivers.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of depending on rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
Enter your Alabama zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap Alabama Insurance
The chart above shows Alabama car insurance prices for various situations. The cheapest discount price is $729. Drivers choosing higher $1,000 deductibles will pay about $1,088. The average price for a driver age 40 with no violations using $500 deductibles is $1,270. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,624. If you have multiple accidents and violations you could be charged up to $2,746. The price for full coverage for a 16-year-old driver can be as high as $4,674.
Insurance prices in Alabama also have a wide range based on your vehicle choice, your driving record, and deductibles and policy limits.
Your choice of vehicle has a significant impact on how much you will pay for insurance in Alabama. Buying a cheaper and safer vehicle will save money on insurance thanks to cheaper repair costs and lower severity of accident injuries. The next table shows car insurance premium estimates for the most popular vehicles insured in Alabama.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $1,340 | 5.2% |
| Dodge Ram | $1,378 | 7.8% |
| Ford Escape | $1,058 | -20% |
| Ford Focus | $1,230 | -3.3% |
| Ford Fusion | $1,346 | 5.6% |
| Ford F-150 | $1,194 | -6.4% |
| GMC Acadia | $1,170 | -8.5% |
| GMC Sierra | $1,318 | 3.6% |
| Honda Accord | $1,186 | -7.1% |
| Honda Civic | $1,390 | 8.6% |
| Honda CR-V | $1,030 | -23.3% |
| Honda Pilot | $1,206 | -5.3% |
| Hyundai Sonata | $1,288 | 1.4% |
| Kia Optima | $1,312 | 3.2% |
| Nissan Altima | $1,306 | 2.8% |
| Nissan Rogue | $1,276 | 0.5% |
| Toyota Camry | $1,294 | 1.9% |
| Toyota Corolla | $1,266 | -0.3% |
| Toyota Prius | $1,178 | -7.8% |
| Toyota RAV4 | $1,198 | -6% |
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Where you choose to live in Alabama has a huge impact on auto insurance prices. Less congested rural areas could have rates as low as $1,000 a year, while Birmingham and Mobile may have prices as high as $1,600. Even different neighborhoods within a few miles of each other in the same city can have a wide range of rates.
These rate differences emphasize the significance of getting rates for your specific Alabama zip code.
If you have a few violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can be from 45% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
Your auto insurance company definitely affects your policy price. Each company has a different rate structure, and prices can be substantially lower or higher based on indivdual risk characteristics.
In Alabama, auto insurance prices range from $799 with Travelers to as high as $2,664 with Liberty Mutual. Other companies like Cincinnati Insurance, USAA, and GEICO fall somewhere in between. These are probably not the exact rates you would pay, as the vehicle type, any driving violations, and your location in Alabama all influence the price.
| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | State Farm | 25.37% | $1,548 |
| 2 | Alfa Insurance | 14.47% | $1,709 |
| 3 | Allstate | 11.10% | $1,892 |
| 4 | Geico | 9.47% | $1,040 |
| 5 | Progressive | 6.72% | $1,261 |
| 6 | USAA | 6.42% | $913 |
| 7 | Nationwide | 3.45% | $1,626 |
| 8 | Liberty Mutual | 2.64% | $2,664 |
| 9 | Farmers Insurance | 2.63% | $1,893 |
| 10 | Travelers | 2.26% | $799 |
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Opting for high physical damage deductibles could cut prices by as much as $540 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $295 more each year. View Rates by Deductible or Liability Limit
With so much difference in prices, the best way to find out your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, and rates will be substantially different between companies.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,674 |
| 20 | $2,932 |
| 30 | $1,330 |
| 40 | $1,270 |
| 50 | $1,158 |
| 60 | $1,138 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,624 |
| $250 | $1,460 |
| $500 | $1,270 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,270 |
| 50/100 | $1,336 |
| 100/300 | $1,418 |
| 250/500 | $1,631 |
| 100 CSL | $1,368 |
| 300 CSL | $1,549 |
| 500 CSL | $1,680 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,678 |
| 20 | $4,658 |
| 30 | $2,810 |
| 40 | $2,746 |
| 50 | $2,618 |
| 60 | $2,592 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $65 |
| Homeowner | $18 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $60 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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