Cheap Car Insurance in Alabama
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Whether you’re up in the Rocket City or down near the Gulf, cheap car insurance in Alabama can be hard to find. As premiums increase, finding the best cheap auto insurance in Alabama is important. In this article, you’ll learn the average insurance costs that insurance companies offer Alabama drivers. Plus, you’ll discover some discounts and tips that have helped I-65 drivers find major savings.
Average Cost of Car Insurance in Alabama
In Alabama, drivers spend an average of $2,074 per year on car insurance. A liability-only policy that meets the state’s minimum auto insurance requirements will set you back an average of $505 annually. For full comprehensive and collision coverage, you should expect to pay an average of $2,680 per year. Your quote will differ slightly. Why?
Insurance providers base their rates on your personal information and history. Data like age, credit history, and driving record are all used to calculate your premiums. So, an 18-year-old driver who needs liability-only coverage can expect to pay over $1,100 more than the average. Likewise, violations or at-fault accidents will cause you to pay more than the average. For instance, drivers with a DUI conviction can expect to pay an annual premium of $3,644, almost $1,500 more than those with a clean record.
Cheapest Car Insurance Companies in Alabama
Many companies offer affordable car insurance in Alabama, but two stand out.
Travelers Insurance is a reputable company with a long track record for financial strength, earning an A++ rating for financial strength from A.M. Best. Likewise, the company consistently earns high marks for customer satisfaction.
USAA offers a range of financial products, including insurance, to current and former military members and their families. USAA also earned an A++ rating from A.M. Best for financial strength. USAA excels at customer satisfaction, achieving the highest overall score from J.D. Power last year.
Cheapest for Minimum Coverage
Depending on your situation and history, Travelers might offer the most affordable option for state minimum coverage. On average, those who sought minimum coverage from Travelers paid $331 per year, making it the cheapest option of the companies surveyed.
For military members, USAA offers an affordable option for liability insurance. USAA’s minimum coverage costs Alabama drivers $423 per year on average.
Cheapest for Full Coverage
Travelers Insurance is a great, cost-effective option for those seeking cheap auto insurance in Alabama. The average cost for full coverage with Travelers is $1,420 per year, making it the cheapest on average for most Alabama drivers.
For active military members, veterans, and their families, USAA may be the cheapest option for cheap car insurance in Alabama. On average, USAA full coverage will set you back around $1,308 annually.
Required Minimum Coverage in Alabama
The State of Alabama requires drivers to have the minimum levels of insurance coverage. The minimum limits set by Alabama match those of many other states:
- $25,000 bodily injury/person/accident
- $50,000 combined bodily injury/accident
- $25,000 property damage liability or a combined single limit of $75,000/accident
Top Discounts Available to Alabama Drivers
Alabama drivers need to know that all discounts aren’t created equally, but they can be divided into a few similar categories. Here, you’ll find two of the most commonly offered auto insurance discounts, which can help lower car insurance costs for you.
- Good Student Discount: Many companies offer discounts for good grades from your high school or college student. For instance, Farmers, Liberty Mutual, Safeco, Nationwide, and Travelers Insurance all offer discounts for students who maintain a minimum GPA or are in a specified top percentage of their class.
- Multi-Car Discount: If you need to insure more than one vehicle, it’s worth checking into multi-car discounts. Amica offers up to 25% off when you insure two or more cars with them. AAA also offers a multi-car discount of up to 17%.
- Safe-Driver Discount: If you have zero at-fault accidents over a specific period, you may qualify for safe-driver discounts.
Key Factors That Affect Car Insurance Rates in Alabama
A few different things affect the cost of your insurance premiums, such as age, gender, marital status, and driving history. Additionally, where you live also makes a difference since prices can vary from one zip code to the next. Finally, the year, make, and model of your vehicle are necessary to provide so you can select adequate coverage.
How To Compare Quotes and Choose the Best Policy
If you don’t shop around, you might be paying too much for cheap car insurance in Alabama. To find the best price, request quotes from multiple reputable insurance providers licensed to operate in your area. And as you’re comparing prices, don’t forget to see if you qualify for any discounts.
Get Customized Cheap Car Insurance in Alabama Today
Requesting quotes and finding the right cheap car insurance in Alabama can be costly and time-consuming, but it doesn’t have to be. Visit us at EverQuote to find the best affordable auto insurance in Alabama, and take advantage of our fast and free quote tool today.
FAQs
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.