- Best car insurance company in Alabama: Nationwide
- Cheapest car insurance company in Alabama: Travelers
- How much is car insurance in Alabama?
- What car insurance is required in Alabama?
- What is the cheapest car insurance company for Alabama state minimum coverage?
- Cheapest car insurance in Alabama by driver age: Teens, adults and seniors
- Cheapest car insurance companies in Alabama for accidents and tickets
- Compare auto insurance rates by city in Alabama
- Car insurance premium trends in Alabama
- Methodology
- Compare Alabama car insurance rates with other states
Best car insurance company in Alabama: Nationwide
Nationwide is the best car insurance company in Alabama, with an overall rating of 4.61. State Farm came in second with an overall rating of 4.34.
Below is a full list of the top Alabama insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Nationwide | A | 669 | 0.63 | $1,345 | 4.61 |
| State Farm | A++ | 673 | 0.79 | $1,790 | 4.34 |
| Travelers | A++ | 642 | 0.52 | $1,428 | 4.32 |
| GEICO | A++ | 651 | 0.69 | $1,625 | 4.17 |
| Auto-Owners | A+ | 650 | 0.54 | $2,134 | 3.78 |
| Farmers | A | 676 | 0.86 | $2,542 | 3.54 |
| Progressive | A+ | 637 | 0.71 | $2,402 | 3.17 |
| Allstate | A+ | 634 | 1.1 | $2,178 | 2.97 |
| USAA | A++ | 759 | 1.18 | $1,458 | 4.4 |
Cheapest car insurance company in Alabama: Travelers
Travelers offers the cheapest full coverage car insurance in Alabama with rates of $1,677 annually or $140 a month, on average.
We have gathered price quotes from all the major insurance providers in Alabama and put together a list of the cheapest car insurance companies. These averages can help you decide where to request quotes.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $524 | $673 | $1,677 |
| GEICO | $350 | $505 | $1,709 |
| Country Financial | $288 | $423 | $1,840 |
| Nationwide | $683 | $795 | $1,963 |
| Auto-Owners | $530 | $742 | $2,227 |
| Progressive | $403 | $670 | $2,452 |
| Allstate | $719 | $959 | $2,524 |
| Farmers | $824 | $1,163 | $3,024 |
| USAA | $323 | $439 | $1,556 |
How much is car insurance in Alabama?
The average car insurance rate in Alabama is $2,107 a year for a full coverage policy with a coverage level of 100/300/100 and $500 deductibles.
For state minimum coverage, the average annual cost in Alabama is $514.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Alabama
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| St. Elmo | $979 | $82 |
| Tillmans Corner | $977 | $81 |
| Tanner Williams | $972 | $81 |
| Birmingham | $964 | $80 |
| Tarrant | $964 | $80 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Beaverton | $704 | $59 |
| Winfield-Glen Allen | $710 | $59 |
| Haleyville | $716 | $60 |
| Detroit | $717 | $60 |
| Guin | $719 | $60 |
The Alabama Department of Insurance says...
Sometimes information will be revealed to the company on your Motor Vehicle Record (MVR) that will require the originally quoted premiums to be changed by the company.
You have three options:
- You may pay the increase.
- You may request cancellation, but the company is entitled to earned premium.
- Do not pay, and the company will cancel your policy for nonpayment of premium.
The producer should be able to give you a satisfactory explanation for the increase in your premium.
- The Alabama Department of InsuranceWhat car insurance is required in Alabama?
The minimum car insurance required in Alabama is liability with limits of 25/50/25. The average cost of the state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. is $514 annually or $43 monthly.
Here's a breakdown of Alabama's minimum coverage requirements:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
What is the cheapest car insurance company for Alabama state minimum coverage?
Country Financial provides the most affordable state minimum liability-only car insurance coverage, averaging $423 annually or $35 per month. USAA is cheaper if you qualify.
The table below shows the cheapest car insurance companies for minimum coverage in Alabama.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Country Financial | $423 | $35 |
| GEICO | $505 | $42 |
| Progressive | $670 | $56 |
| Travelers | $673 | $56 |
| Auto-Owners | $742 | $62 |
| Nationwide | $795 | $66 |
| Allstate | $959 | $80 |
| Farmers | $1,163 | $97 |
| USAA | $439 | $37 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance in Alabama by driver age: Teens, adults and seniors
Country Financial offers the cheapest car insurance for a 16-year-old driver in Alabama at $4,044 per year for a full coverage policy.
In Alabama , GEICO offers the cheapest car insurance for a 25-year-old driver and a 65-year-old driver at $1,932 per year and $1,510 per year, respectively. USAA offers cheaper rates but is available only to military veterans and their families.
Compare car insurance rates by age group from multiple carriers below.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Country Financial | $4,044 | $337 |
| GEICO | $5,843 | $487 |
| Auto-Owners | $6,080 | $507 |
| USAA | $6,276 | $523 |
| Travelers | $6,952 | $579 |
| Nationwide | $9,851 | $821 |
| Allstate | $12,677 | $1,056 |
| Progressive | $14,451 | $1,204 |
| Farmers | $16,614 | $1,384 |
Cheapest car insurance companies in Alabama for accidents and tickets
Travelers is the cheapest company for drivers with a speeding ticket ($2,351) or an accident ($2,379). Again, USAA is cheaper if you qualify.
Drivers who have accidents or tickets are considered a higher risk and will pay more. See how tickets and accidents affect car insurance rates by company in Alabama below.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,677 | $2,379 | $2,351 |
| Allstate | $2,524 | $3,916 | $2,797 |
| Auto-Owners | $2,227 | $2,813 | $2,844 |
| Nationwide | $1,963 | $3,262 | $3,028 |
| Progressive | $2,452 | $4,026 | $3,129 |
| GEICO | $1,709 | $2,993 | $3,162 |
| Farmers | $3,024 | $5,078 | $4,793 |
| USAA | $1,556 | $2,359 | $1,798 |
Compare auto insurance rates by city in Alabama
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Alabama will impact what you pay. Below, we've gathered Alabama car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Alpine | $1,818 |
Bessemer | $1,996 |
Birmingham | $2,040 |
Decatur | $1,700 |
Montgomery | $1,926 |
Car insurance premium trends in Alabama
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Alabama to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
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