- Cheapest car insurance in Alabama for a bad driving record
- How much is high-risk car insurance in Alabama?
- Cheapest car insurance in Alabama with a DUI
- Cheapest car insurance in Alabama with multiple tickets
- Cheapest car insurance in Alabama with a reckless driving conviction
- Cheapest car insurance in Alabama with bad credit
- Cheapest car insurance after an accident in Alabama
- Cheapest car insurance in Alabama by city
- How to reduce car insurance rates in Alabama for a bad driving record
- Alabama car insurance laws for high-risk drivers
- Methodology
- Compare Alabama high-risk driver car insurance rates with other states
Cheapest car insurance in Alabama for a bad driving record
Travelers, Nationwide, State Farm provides affordable car insurance for high-risk drivers with bad driving record in Alabama.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning youâ??ll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,428 | $2,115 |
| Nationwide | $1,345 | $2,319 |
| State Farm | $1,790 | $2,747 |
| Allstate | $2,178 | $2,780 |
| GEICO | $1,625 | $3,086 |
| Progressive | $2,402 | $3,248 |
| Auto-Owners | $2,134 | $3,880 |
| Farmers | $2,542 | $4,712 |
| USAA | $1,458 | $2,182 |
How much is high-risk car insurance in Alabama?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Alabama, high-risk car insurance costs $3,045 per year. However, you can get rates as low as $2,115 annually from Travelers.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Travelers | $1,428 | $2,078 |
| State Farm | $1,790 | $2,151 |
| USAA | $1,458 | $2,210 |
| Nationwide | $1,345 | $2,235 |
| Auto-Owners | $2,134 | $2,696 |
| GEICO | $1,625 | $2,845 |
| Allstate | $2,178 | $3,379 |
| Progressive | $2,402 | $3,944 |
| Farmers | $2,542 | $4,269 |
PEOPLE ASK:
Who is considered high-risk for insurance in Alabama?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Alabama with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,934 annually.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Alabama.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,790 | $1,934 |
| Travelers | $1,428 | $2,166 |
| Nationwide | $1,345 | $2,825 |
| Progressive | $2,402 | $2,880 |
| Allstate | $2,178 | $2,899 |
| GEICO | $1,625 | $3,498 |
| Auto-Owners | $2,134 | $3,981 |
| Farmers | $2,542 | $5,293 |
| USAA | $1,458 | $3,093 |
Cheapest car insurance in Alabama with multiple tickets
The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,934 annually or $161 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Alabama drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,790 | $1,934 |
| Travelers | $1,428 | $2,002 |
| Nationwide | $1,345 | $2,074 |
| Allstate | $2,178 | $2,414 |
| Auto-Owners | $2,134 | $2,726 |
| GEICO | $1,625 | $3,005 |
| Progressive | $2,402 | $3,065 |
| Farmers | $2,542 | $4,030 |
| USAA | $1,458 | $1,685 |
Cheapest car insurance in Alabama with a reckless driving conviction
State Farm has the cheapest rates for drivers with reckless driving convictions at $1,934 a year.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,790 | $1,934 |
| Travelers | $1,428 | $2,166 |
| Nationwide | $1,345 | $2,825 |
| Allstate | $2,178 | $2,899 |
| Progressive | $2,402 | $3,406 |
| GEICO | $1,625 | $3,498 |
| Auto-Owners | $2,134 | $3,981 |
| Farmers | $2,542 | $5,548 |
| USAA | $1,458 | $2,224 |
Cheapest car insurance in Alabama with bad credit
The cheapest Alabama insurer for bad credit is Nationwide, with rates averaging $2,039 annually or $170 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a 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., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Alabama car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,345 | $2,039 |
| Travelers | $1,428 | $2,355 |
| GEICO | $1,625 | $2,505 |
| Allstate | $2,178 | $3,639 |
| Progressive | $2,402 | $4,003 |
| Farmers | $2,542 | $5,341 |
| Auto-Owners | $2,134 | $5,991 |
| State Farm | $1,790 | $6,811 |
| USAA | $1,458 | $2,721 |
Cheapest car insurance after an accident in Alabama
Travelers has the lowest rates after an accident at $2,026 a year. State Farm also has affordable rates at $2,151 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Travelers | $1,428 | $2,026 | $2,575 |
| State Farm | $1,790 | $2,151 | $2,151 |
| Nationwide | $1,345 | $2,235 | $2,979 |
| Auto-Owners | $2,134 | $2,696 | $3,183 |
| GEICO | $1,625 | $2,845 | $4,528 |
| Allstate | $2,178 | $3,379 | $4,416 |
| Progressive | $2,402 | $3,944 | $5,493 |
| Farmers | $2,542 | $4,269 | $5,783 |
| USAA | $1,458 | $2,210 | $4,143 |
Cheapest car insurance in Alabama by city
In Alabama, the lowest car insurance rates are found in Decatur, averaging $2,809 annually. On the other hand, Birmingham has the highest rates at $3,364 a year.
Where you live in Alabama matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Decatur | $1,700 | $2,809 |
| Florence | $1,699 | $2,820 |
| Groveoak | $1,752 | $2,872 |
| Anniston | $1,797 | $2,968 |
| Alpine | $1,818 | $2,985 |
| Cropwell | $1,801 | $2,986 |
| La Fayette | $1,828 | $3,008 |
| Montgomery | $1,926 | $3,111 |
| Mobile | $2,009 | $3,276 |
| Bessemer | $1,996 | $3,285 |
| Birmingham | $2,040 | $3,364 |
How to reduce car insurance rates in Alabama for a bad driving record
Finding affordable car insurance in Alabama is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Alabama also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Alabama?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Alabama car insurance laws for high-risk drivers
If you're considered a high-risk driver in Alabama, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
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.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
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