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.

CompanyAvg Annual PremiumAvg 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

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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 rate of $1,849 a year.

CompanyAvg Annual PremiumAvg 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 often put you there. In Alabama, the cheapest car insurance with multiple tickets is from Nationwide. It's rates for full coverage insurance average $1,421 per year or $118 monthly.

CompanyAvg Annual PremiumAvg 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 unsafely, 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.

CompanyAvg Annual PremiumAvg 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. 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.

CompanyAvg Annual PremiumAvg 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

Insurance.com commissioned car insurance rates in 2022 from Quadrant Data Services for drivers with various high-risk problems. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and carries a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible.

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