Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Alabama is $1,966. High-risk drivers in Alabama can expect to pay between $2,238 and $3,390 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Alabama for high-risk drivers is, on average, Nationwide, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Alabama will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Alabama is $1,966, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Alabama is $1,849, while a driver with a reckless driving conviction pays $1,728 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,483 in Alabama.
- Cheapest car insurance for high-risk drivers in Alabama
- Average rates for high-risk drivers in Alabama by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Alabama
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Alabama is Nationwide, followed by Travelers and USAA.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,966 | $164 |
| Travelers | $2,269 | $189 |
| USAA | $2,360 | $197 |
| Allstate | $2,380 | $198 |
| Geico | $2,469 | $206 |
| State Farm | $2,491 | $208 |
| Progressive | $3,292 | $274 |
| Farmers | $3,519 | $293 |
| Auto-Owners | $3,937 | $328 |
Average rates for high-risk drivers in Alabama by driving record
Average cost of car insurance in Alabama for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Alabama for a driver with a DUI is State Farm with an average annual of $1,849 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,849 | $154 |
| Travelers | $2,015 | $168 |
| Nationwide | $2,015 | $168 |
| Allstate | $2,082 | $174 |
| Progressive | $2,390 | $199 |
| USAA | $2,392 | $199 |
| Geico | $2,421 | $202 |
| Farmers | $2,848 | $237 |
| Auto-Owners | $3,192 | $266 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Alabama, the cheapest car insurance with multiple tickets is from Nationwide. It offers full coverage insurance at $1,421 per year or $118 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,421 | $118 |
| USAA | $1,679 | $140 |
| Allstate | $1,806 | $150 |
| State Farm | $1,849 | $154 |
| Geico | $1,922 | $160 |
| Travelers | $2,079 | $173 |
| Progressive | $2,956 | $246 |
| Auto-Owners | $3,192 | $266 |
| Farmers | $3,234 | $269 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Alabama, USAA offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,728 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| USAA | $1,728 | $144 |
| State Farm | $1,849 | $154 |
| Travelers | $2,015 | $168 |
| Nationwide | $2,015 | $168 |
| Allstate | $2,082 | $174 |
| Geico | $2,421 | $202 |
| Progressive | $2,890 | $241 |
| Auto-Owners | $3,192 | $266 |
| Farmers | $3,267 | $272 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Alabama is Nationwide with an average annual cost of $1,483 or $124 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,483 | $124 |
| Geico | $1,757 | $146 |
| USAA | $2,103 | $175 |
| Travelers | $2,249 | $187 |
| Allstate | $2,572 | $214 |
| Farmers | $3,307 | $276 |
| Progressive | $3,351 | $279 |
| Auto-Owners | $4,608 | $384 |
| State Farm | $5,482 | $457 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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