Cheapest Car Insurance In Alabama For 2024
Cincinnati is recognized for its reliable and affordably priced basic car insurance in Alabama, costing $26 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
It may seem tough to find affordable car insurance in Alabama, but it doesn’t have to be difficult. Cincinnati, a well-known insurer, offers competitive rates and dependable coverage options, from minimal to full coverage.
With living costs on the rise, it’s essential to find the right insurance at the best price. Whether you’re a new driver, a daily commuter, or a family aiming to cut costs, understanding the factors that influence rates and knowing where to look for the best deals can be a game changer.
After over a decade of research, I’ve created this guide to simplify the process and help you make informed choices in the Alabama insurance market.
Cheapest Car Insurance Companies In Alabama, 2024
Our Methodology
In my research, I employed a methodical strategy to collect and review information on various auto insurance companies and their policies. First, I pinpointed key factors for evaluation, including coverage choices, costs, customer approval, and financial reliability. Then, I gathered data from dependable sources like insurer websites, consumer reviews, and industry analyses. With all the information compiled, I categorized it and assessed each company against set standards. This process involved comparing coverage options, premiums, discounts, and customer opinions to identify each provider's pros and cons.
Quotes Assessed
Research Hours
Years Of Industry Experience
Brands Reviewed
Cheapest Car Insurance In Alabama For Minimum Coverage
Cincinnati offers the lowest rates for basic car insurance in Alabama, typically around $26 monthly.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati | $26 | $318 |
| State Farm | $28 | $340 |
| Travelers | $29 | $346 |
| Auto-Owners | $34 | $407 |
| GEICO | $36 | $435 |
In Alabama, drivers must have basic car insurance to legally drive, typically including liability coverage for bodily injury and property damage. Bodily injury liability covers medical expenses and legal costs if you cause an accident that harms others, while property damage liability pays for repairs to others’ property or vehicles that you damage. State laws set minimum coverage levels, which can vary depending on your driving record and vehicle type. It’s crucial to know these requirements to ensure you have adequate financial protection.
Cheapest Car Insurance In Alabama For Full Coverage
Travelers offers the cheapest full coverage car insurance in Alabama, with monthly premiums starting at just $109 on average.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $153 | $1,839 |
| Geico | $127 | $1,523 |
| Allstate | $147 | $1,758 |
| Travelers | $109 | $1,312 |
| Progressive | $157 | $1,889 |
In Alabama, drivers have the choice to select full coverage car insurance, which goes beyond the basic liability insurance required by the state. This comprehensive option includes collision coverage for accident-related repairs and comprehensive coverage for incidents like theft or fire. Opting for full coverage ensures financial protection and peace of mind, allowing drivers to face various risks confidently. It’s essential to thoroughly review your policy terms, including coverage limits and deductibles, to ensure it aligns with your specific needs.
Cheapest Car Insurance In Alabama For Drivers With Poor Credit
In Alabama, Country Financial is known for providing the most affordable insurance premiums to drivers with low credit scores typically around $100 each month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati | $113 | $1,361 |
| Geico | $126 | $1,514 |
| Nationwide | $135 | $1,619 |
| Farmers | $186 | $2,230 |
| Country Financial | $100 | $1,198 |
Your credit score significantly influences how much you pay for car insurance in Alabama. Lower scores usually mean higher premiums because insurers use credit history to assess risk. Drivers with poor credit are seen as higher risks for claims. Despite this, they can compare quotes and seek discounts to reduce insurance expenses.
Cheapest Car Insurance In Alabama For Seniors
Country Financial offers Alabama seniors a budget-friendly choice, typically costing around $50 each month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $66 | $796 |
| Travelers | $68 | $815 |
| Country Financial | $50 | $598 |
| GEICO | $84 | $1,010 |
| Auto-Owners | $86 | $1,032 |
Older drivers may enjoy reduced car insurance premiums, as they’re often seen as seasoned and careful on the road. Many seniors drive less, which lowers their risk of accidents. Insurers sometimes offer senior discounts based on age and driving habits, with extra savings for those who complete a defensive driving course, which aims to enhance road safety and can bring additional discounts.
Cheapest Car Insurance In Alabama For Young Drivers
Young adult drivers in Alabama typically enjoy more affordable car insurance rates than teenagers. This is because they generally develop safer driving habits over time, resulting in fewer accidents and claims. Insurance companies recognize these patterns and offer lower premiums to young adults with stronger safety records.
Cheapest Alabama Car Insurance For 16-Year-Olds
Country Financial provides the most competitive prices for sixteen-year-olds, with an average monthly cost of $320.
| Provider | Average Annual Cost | Average Monthly Cost |
| Country Financial | $3,835 | $320 |
| USAA | $5,398 | $450 |
| Auto-Owners | $5,254 | $438 |
| Travelers | $4,450 | $371 |
| GEICO | $4,798 | $400 |
Cheapest Alabama Car Insurance For 17-Year-Olds
Country Financial offers the lowest insurance rates for seventeen-year-olds, typically costing around $302 per year.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $438 | $5,254 |
| Country Financial | $302 | $3,618 |
| Travelers | $319 | $3,831 |
| GEICO | $334 | $4,007 |
| USAA | $380 | $4,558 |
Cheapest Alabama Car Insurance For 18-Year-Olds
Country Financial has the most affordable insurance rates for 18-year-olds, costing around $270 per month on average.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $270 | $3,238 |
| Geico | $290 | $3,478 |
| Travelers | $272 | $3,262 |
| Auto-Owners | $412 | $4,942 |
| USAA | $313 | $3,759 |
Cheapest Alabama Car Insurance For 21-Year-Olds
Travelers offers the best rates for 21-year-olds, averaging $172 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $290 | $3,478 |
| Geico | $200 | $2,398 |
| Country Financial | $215 | $2,578 |
| Travelers | $172 | $2,064 |
| USAA | $195 | $2,337 |
Cheapest Car Insurance In Alabama For Good Drivers
Travelers provides the lowest prices for safe drivers in Alabama, averaging $109 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $153 | $1,839 |
| Geico | $127 | $1,523 |
| Allstate | $147 | $1,758 |
| Travelers | $109 | $1,312 |
| Progressive | $157 | $1,889 |
In Alabama, the price of car insurance for safe drivers can fluctuate based on their driving history, age, and preferred coverage. Typically, those with spotless driving records may receive lower premiums because insurers see them as less risky. They might also qualify for discounts for consistently maintaining a good driving history. Safe drivers are advised to shop around and compare quotes from several insurers to discover the best rates and coverage options that suit their requirements.
Cheapest Car Insurance In Alabama For Drivers With Prior Incidents
In Alabama, people who have been in accidents, received speeding tickets, or been convicted of DUIs often find it difficult to get cheap car insurance. These events label them as high-risk customers to insurance companies, leading to higher premiums to cover the expected rise in claims. This problem is especially noticeable in Alabama because of its high rate of traffic accidents. Insurers set their prices by studying statistics that show a link between past driving incidents and a greater chance of future claims.
Cheapest Car Insurance In Alabama For Drivers With A Speeding Ticket
Geico offers the best rates for drivers with speeding tickets, with average premiums as low as $428.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
|
Safeway
|
$482
|
$2,217
|
|
USAA
|
$518
|
$2,114
|
|
Progressive
|
$574
|
$2,514
|
|
Geico
|
$428
|
$2,034
|
|
Travelers
|
$442
|
$1,757
|
Cheapest Car Insurance In Alabama For Drivers With An At-Fault Accident
Travelers offers affordable rates for drivers who have speeding tickets, with typical premiums averaging only $475.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
|
Safeway
|
$625 | $2,662 |
| USAA | $691 | $2,686 |
| State Farm | $705 | $2,777 |
|
Travelers
|
$475
|
$1,834
|
|
Geico
|
$584
|
$2,659
|
Cheapest Car Insurance In Pennsylvania For Drivers After A DUI
With an average premium of $508, Travelers stands out as the most budget-friendly option for drivers with DUI histories
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
|
Safeway
|
$696
|
$2,838
|
|
Allstate
|
$872
|
$2,248
|
|
Geico
|
$888
|
$3,750
|
|
Travelers
|
$508
|
$1,962
|
|
Progressive
|
$602
|
$2,339
|
Average Cost Of Car Insurance In Alabama
Average Cost In Alabama – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $456 | $5,469 |
| 17 | $406 | $4,860 |
| 18 | $390 | $4,669 |
| 19 | $385 | $4,619 |
| 21 | $274 | $3,278 |
| 25 | $203 | $2,429 |
| 35 | $173 | $2,066 |
| 45 | $164 | $1,962 |
| 55 | $151 | $1,802 |
| 65 | $157 | $1,882 |
| 75 | $188 | $2,255 |
Average Cost In Alabama – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,760 |
| Male | Single | $1,764 |
| Female | Married | $1,698 |
| Male | Married | $1,700 |
Average Cost In Alabama – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $130 | $1,558 |
| Good | $147 | $1,762 |
| Poor | $180 | $2,158 |
Cheapest Car Insurance In Alabama By City:
| City | Average Monthly Cost | Average Annual Cost |
| Birmingham | $190 | $2,279 |
| Center Point | $196 | $2,348 |
| Daphne | $161 | $1,925 |
| Alabaster | $168 | $2,016 |
| Athens | $159 | $1,901 |
Minimum Car Insurance Requirement In Alabama
In Alabama, drivers must carry at least the state-mandated minimum car insurance, which includes liability coverage for bodily injury and property damage. This is typically represented as 25/50/25: $25,000 for each injured person, $50,000 per accident, and $25,000 for property damage. Additionally, uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident is required. Personal Injury Protection (PIP) isn’t mandatory, covering medical expenses and lost wages, though some drivers may choose the Health Insurance Primary (HIP) option, allowing eligible health insurance to cover medical costs in place of PIP.
Car Insurance Discounts In Alabama
Looking into car insurance discounts can be a great way to save. Your agent might also find additional savings for you. Here are some common discounts:
- Safe Driver Discount: Available for those with a clean driving record.
- Multi-Vehicle Discount: You can save by insuring multiple cars under one policy.
- Bundling Discount: Combine your car insurance with other policies, like homeowners, to reduce premiums.
- Good Student Discount: Students with strong grades may qualify for lower rates.
- Defensive Driving Discount: Completing a defensive driving course can earn you a discount on your premium.
FAQs
How much is car insurance a month in Alabama?
Car insurance expenses per month in Alabama vary, influenced by factors like age, driving record, and chosen coverage.
What is the minimum car insurance one must have in Alabama?
Motorists in Alabama are required to have car insurance that includes liability coverage for injuries and property damage.
Which insurance is better in Alabama?
Choosing the best insurance in Alabama depends on your personal needs, driving habits, and coverage requirements. Comparing quotes from multiple insurers can help you find the ideal option.
Sources
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