- 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
- 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 you'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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,045 in Alabama, you can find rates as low as $2,115 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.
Keep reading as we break down high-risk car insurance factors and rates.
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.
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
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,934 or $161.
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
Drivers with reckless driving conviction can get the cheapest rates from State Farm at $1,934.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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
Nationwide offers the cheapest rates for drivers with poor credit at $2,039 or $170. However,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 and State Farm have the lowest car insurance rates after an accident at $2,026 and $2,151, respectively.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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
Decatur has the cheapest car insurance rates in Alabama, averaging $2,809. However, the most expensive city is Birmingham, with average insurance rates of $3,364.
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.
| 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:
- 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're seen as a high-risk driver in Alabama depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Alabama car insurance laws for high-risk drivers
If you're a high-risk driver in Alabama, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Compare Alabama high-risk driver car insurance rates with other states
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