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Updated on Feb 7, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

Cheapest Car Insurance Quotes in Alabama
Cheapest car insurance companies in Alabama
Alabama Car Insurance Coverage Requirements
Alabama Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in Alabama?
Car Insurance for High-Risk Alabama Drivers
Car Insurance for Alabama Drivers With DUI
Car Insurance for Alabama Drivers With a Coverage Lapse
Car Insurance for Alabama Drivers With a Low Credit Score
Alabama Car Insurance Cost by Age
How to find car insurance discounts in Alabama for your motor vehicle
Is it cheaper to insure a new car or a used car?
How to find cheap car insurance in Alabama in your city
How to lower the cost of car insurance in Alabama
Why is car insurance so expensive in Alabama?
FAQs
Methodology
Meet our Experts

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Cheapest Car Insurance Quotes in Alabama

There’s no “one-size-fits-all” when it comes to the best

car insurance

coverage—and there’s no “one-price-fits-all” either! Comparing quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.

For years, the

Jerry Insurance Agency

has helped thousands of drivers to find plans and prices that fit them like a glove. Compare some of the recent quotes Jerry found for drivers in Alabama:

Compare car insurance quotes now

Cheapest car insurance companies in Alabama

Jerry knows where to find the best car insurance rates for every driver in Alabama. How? You told us!

According to our survey, the secret to a great policy is finding the auto insurance company that suits you best. The five largest auto insurance companies in Alabama are

, Alfa Insurance,

, and

. But not every driver will find the best rate with the biggest company.

For example, if you have a bad driving record, you should probably check out

Progressive

; but if you have a military record, you can’t do much better than

USAA

. And if you’re on the road more often than not,

AAA

’s nationwide discount program is invaluable!

Here’s what the survey respondents had to say about the best car insurance companies in Alabama:

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

So, how do you find the company that can offer you the smartest plan and the best rates? How do you choose among

Farmers

AARP

, and hundreds of other companies with thousands of products?

Just reach into your pocket and pull out your

personal licensed insurance agent

, Jerry! Our free app shows you the cheapest car insurance companies based on your policy needs. Trust our team of 100+ licensed insurance agents and customer service experts to give you the best shopping experience you’ve ever had.

Minimum car insurance requirements for liability and full coverage in Alabama

Alabama’s car insurance laws

require every driver in the state to carry

liability car insurance

. If you cause harm to somebody else or their property while driving, liability insurance will pay for the cost of treatment, repairs, and replacements.

Cheapest minimum liability coverage in Alabama

In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.

Your insurance provider must insure you for at least $25,000 of

bodily injury liability

per person, $50,000 of bodily injury liability per accident, and $25,000 of

property damage liability

coverage per accident. No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.

If you’re sticking with the absolute minimum car insurance requirements, here’s a sample of the best quotes you can get:

Progressive

Earl (50 years old)

Coverage

State Minimum

Mason City, IA

Dodge Durango SLT

$71

per month

Travelers

Charles (30 years old)

Coverage

State Minimum

Urbandale, IA

Hyundai Sonata SE

$145

per month

Allstate

Mario (30 years old)

Coverage

State Minimum

Des Moines, IA

GMC Acadia SLE

$112

per month

Safeco

Cora (25 years old)

Coverage

State Minimum

Missouri Valley, IA

Jeep Cherokee Latitude

$98

per month

Bristol West

Ronald (23 years old)

Coverage

State Minimum

Nevada, IA

Hyundai Sonata Limited

$60

per month

National General

Garrett (39 years old)

Coverage

State Minimum

Union, IA

Chevrolet Malibu LS

$168

per month

Do you need more than the minimum liability insurance coverage in Alabama?

Just because you can get away with the minimum liability insurance coverage doesn’t mean you should—in fact, many Alabama drivers don’t!

If you cause an accident that exceeds your policy’s bodily injury liability and property damage liability coverage limits, the injured party could sue you. Compared to the cost of paying someone else’s medical expenses and repair bills out of pocket, annual premiums aren’t so bad. And it could be worse: Alabama has much lower minimum requirements for car insurance than

Vermont

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage Alabama auto insurance quotes

Liability insurance coverage benefits other people, but

full-coverage car insurance

has your back no matter what. It pays for repairs and replacements to your motor vehicle even if you’re at fault.

A full-coverage insurance policy usually contains liability coverage,

collision coverage

, and

comprehensive coverage

. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault. Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!

Typically, if you

lease or buy a car

with a loan, you’ll be required to carry full coverage car insurance. And while full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates for complete peace of mind:

Average rates for minimum liability coverage and full coverage car insurance in Alabama

In May 2023, the average cost of a full coverage car insurance policy in Alabama was $2,891 per year. If you stuck with the minimum requirements for liability car insurance in Alabama, you’d pay about $0 per year or about $0 per month.

That’s assuming you don’t ask Jerry to find

cheap car insurance quotes

for you, of course.

However, keep in mind that the average car insurance quote can only tell you so much. Auto insurance companies look closely at your driving history, age, and other factors to calculate your premiums. If you’re a

new driver

with a

bad driving record

and with one of the

most expensive cars to insure

, you’ll need to add several hundred dollars to these estimates.

Other types of Alabama auto insurance

The state minimum requirements for car insurance prove your financial responsibility to others on the road, but they leave you with a lot to worry about. Perhaps you want to safeguard your motor vehicle against more dangers than bad weather and thieves. If you have dependents, you might be concerned about far more than car repair bills.

For a variety of situations, there are many additional coverage options like:

Gap insurance

, which pays for the remainder of your debt if the post-wreck insurance payout doesn’t cover it.

MedPay

, which provides long-term medical treatment for you and your passengers.

Non-owner car insurance

, which provides you with liability insurance coverage while you’re driving cars you don’t own.

Personal injury protection (PIP)

, which covers you and your passengers’ injuries, even if you’re at fault.

Rental reimbursement coverage

, which offsets the cost of a rental car if your primary vehicle ends up in the garage following a covered claim.

Towing and labor coverage

, which pays for services like gas delivery, battery boosts, and towing.

MORE:

Types of insurance

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Progressive is a great insurance company. Very pleased so far

Julie

Always friendly and ready to help

Lauren

Very quick and easy process and saved me over $150. Thanks Jerry!

Tristin

"I am flabbergasted by the fine work that Gainsco has offered me! I am satisfied with the coverage & I highly recommend Gainsco"

Bobbie

Finding low car insurance premiums for every kind of driver

Remember when we talked about how different factors affect your car insurance premiums? Here’s a fuller picture of what things auto insurance companies take into consideration:

Your age and demographics: Are you a

? A

? A

? A

? You could be subject to high rates or insurance discounts depending on the insurance provider.

Your credit score: You guessed it:

credit scores affect car insurance

. With a good credit score, you’ll have access to the best rates.

Your driving record and claims history: If you’ve gotten a ticket, the penalties don’t stop with a fine. Your car insurance premiums will be higher than those of a “good driver” for a while.

Your driving habits: Commuters risk getting into an accident twice per day, five days per week, thanks to rush hour. You’ll enjoy lower rates if you stay or work at home.

Your location: Cities are busier, louder, and more hazardous to cars than a quiet country driveway in the middle of nowhere. You’ll pay higher rates if you live in the former.

How Do Different Factors Impact Your Car Insurance Costs in Alabama?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Alabama currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Alabama:

How to find cheap Alabama car insurance if you’re a high-risk driver

Driver violation points significantly affect your insurance rates

. They also affect which auto insurance company is right for you. Some car insurance providers are willing to work with a customer with a high-risk driver profile, and others aren’t–especially if you have serious violations like

reckless driving

or DUI. Here’s how to find the right fit for your situation:

How to find cheap car insurance in Alabama after a speeding ticket

The

Alabama Law Enforcement Agency

distinguishes between two kinds of speeding violations: 1-25 mph over the speed limit and 26 or more mph over the speed limit. You’ll receive two demerit points if you commit the former, and five if you commit the latter.

Alabama speeding ticket

also comes with a $150-$300 fine. Commercial drivers can even lose their licenses completely.

Regardless of the offense, these Alabama drivers had luck finding insurance at the following companies with Jerry:

How to find cheap Alabama auto insurance after a DUI

Alabama’s DUI laws

have serious consequences for those who drive impaired. Drivers face a $600-$2,100 fine, a license suspension of 90 days, and a jail term of up to one year. Not to mention the impact an

OWI, DWI, and DUI

can have on your car insurance premiums!

It’s tough, but it’s not the end of the world. Jerry has helped many high-risk Alabama drivers cope with the rising cost of car insurance after a DUI conviction:

The cheapest Alabama car insurance companies for SR-22 insurance

Multiple traffic tickets, convictions, or accidents lead to an

SR-22 in Alabama

. An SR-22 is a filing requirement designed to make it near-impossible for high-risk drivers to hit the road without liability coverage. It must be filed by an auto insurance company and renewed yearly; allowing it to lapse (by missing a payment, for example) could cost you your license.

More than anything, an SR-22 requirement severely restricts your choice of insurance provider. You’ll need to compare a lot of quotes before you can find the cheapest car insurance company.

How to find cheap car insurance in Alabama after an at-fault accident

Sure, everyone knows that a

clean driving record

comes with lower insurance premiums, but it’s easier said than done. Even good drivers have bad days and make mistakes. So, while you’re working to get rid of the accidents on your

Alabama driving record

, put some of that effort into finding a car insurance company that won’t hold the past against you—and brush up on

Alabama’s car accident laws

With Jerry’s help, high-risk drivers found savings with these companies after their at-fault accident:

FAQ

Is Alabama a no-fault state?

No, Alabama is not a

no-fault state

. This means that no-fault PIP insurance isn’t required by law. So, unless you opt for a specific no-fault coverage option (like MedPay, collision coverage, or comprehensive coverage), you’ll have to deal with the bills after an at-fault accident yourself.

The bottom line: In Alabama, the at-fault driver is responsible for paying for the medical and repair bills that result from a car accident.

The best Alabama auto insurance for other high-risk drivers

Of course, there are other ways to get in trouble on the road besides a DUI conviction or speeding ticket. Depending on the severity of the violation, the impact on your insurance premiums can range from minor to major. Why not take a look around for a better rate in the meantime?

These Alabama drivers located a cheaper car insurance policy through Jerry after their traffic violations:

How to find cheap Alabama car insurance after a car insurance lapse

Like a safe driving streak, an unbroken car insurance history can net you cheaper rates. Unfortunately, even if you have a good reason, any

car insurance lapse will change your rates

for the worse.

Not only does Jerry provide payment reminders, but it can also send you renewal reminders (and an up-to-date cost comparison) ahead of your auto insurance policy’s expiration date.

How to find cheap Alabama car insurance with a low credit score

A high credit score tells car insurance companies you have a history of paying your bills. And because insurance providers are allergic to risk, they’re usually happy to throw lower rates your way.

However, you’re not out of luck with a low credit score. To help you deal with the higher rates that drivers with poor credit typically find, Jerry partners with companies who work with Alabama drivers with a credit score of 550 or less:

Over 3,500,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.

Progressive is a great insurance company. Very pleased so far

Julie

Always friendly and ready to help

Lauren

Very quick and easy process and saved me over $150. Thanks Jerry!

Tristin

"I am flabbergasted by the fine work that Gainsco has offered me! I am satisfied with the coverage & I highly recommend Gainsco"

Bobbie

How to find cheap auto insurance in Alabama for your age

Car insurance rates follow an inverse bell curve—they start high when you’re a new teen driver, drop in the middle, and rise again as you age. So, if you’re in the sweet spot between 25 and 75 years old, enjoy the savings! If not, read on.

The best car insurance companies in Alabama for young drivers

New drivers have empty, unproven driver profiles. And because teen drivers between the ages of 16-19 are the most likely to be involved in a car accident, they pay the highest rates of any age group.

The best car insurance companies for senior drivers in Alabama

While older drivers have experience on their side, they’re also prone to vision and hearing losses as they age. Add this to the fact that they’re more likely to suffer severe injuries in a car accident, and you have a formula for higher premiums.

How to find car insurance discounts in Alabama for your motor vehicle

It should come as no surprise that sports cars, luxury SUVs, and other high-end motor vehicles are more expensive to insure. Just check out the difference between the

insurance costs of a Honda Civic LX

and a

Civic Sport Touring

! It’s all in the materials—Alcantara upholstery and zebrawood inlay might look nice, but they’re pricey to repair.

To save, find a ride with cheap repair costs, a good security system, and excellent safety ratings. You may also earn an insurance discount by installing a

vehicle anti-theft device

The roads in the state of Alabama are dominated by five models

Popular and dependable, you can be sure that parts for these cars will almost always be available. Pair them with a car insurance policy from Jerry and you’ve got a ride that won’t break the bank.

MORE:

How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

Generally, new cars cost more to insure than old cars. Modern vehicles feature sophisticated technology that creates a huge difference between the

insurance costs of a 2023 Ford F-250

and a model from ten years ago. The rising cost of materials and supply chain issues have only made repairs more expensive.

On the plus side, we can now use technology to find and compare car insurance quotes without much effort.

How to find cheap car insurance in Alabama in your city

Chances are you’ve heard that the insurance rates in

Huntsville

Birmingham

, and

Montgomery

are abysmal. But we’ll bet you haven’t heard a peep from the folks in

Cusseta

—did you even know there was a Cusseta, AL? That’s because sedate country towns have lower accident rates, lower crime rates, and lower car insurance rates.

Take a look at the table below to see what you could be saving across the state of Alabama:

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance coverage
Waukee, IA	Brian, 32	Progressive	$161	Jeep Grand Cherokee Overland	• 100,000/300,000 Liability • Comp / Collision
Muscatine, IA	Allen, 42	Travelers	$109	Nissan Rogue S	• 100,000/300,000 Liability • Comp / Collision
Mason City, IA	Mary, 28	Safeco	$120	Chrysler Pacifica Touring L P	• 50,000/100,000 Liability • Comp / Collision
Waukee, IA	Douglas, 46	Allstate	$137	Mazda 3 Sport	• 100,000/300,000 Liability • Comp / Collision
Ankeny, IA	Tyler, 36	Nationwide	$96	Hyundai Santa FE Limited	• 100,000/300,000 Liability • Comp / Collision
Iowa City, IA	Lola, 38	Mercury	$95	Ford Ecosport Titanium	• 25,000/50,000 Liability • Comp / Collision
Des Moines, IA	Clyde, 37	Gainsco	$287	Hyundai Santa FE SE	• 25,000/50,000 Liability • Comp / Collision
Council Bluffs, IA	Louisa, 30	State Auto	$195	Nissan Kicks S	• 100,000/300,000 Liability • Comp / Collision
Mason City, IA	Bernard, 50	Bristol West	$92	Dodge Durango SLT	• State Minimum Liability • Comp / Collision
Sioux City, IA	Emilie, 25	Clearcover	$121	Dodge Dart SXT	• 25,000/50,000 Liability • Comp / Collision
Dubuque, IA	Grace, 24	National General	$175	Honda Accord Sport	• State Minimum Liability • Comp / Collision
Burlington, IA	Maggie, 48	Electric	$209	Chevrolet Traverse LT	• 30,000/60,000 Liability • Comp / Collision
Davenport, IA	Sylvia, 28	Anchor General	$110	Ford Fusion SE	• 15,000/30,000 Liability

Last Updated Feb 4, 2025

How to lower the cost of car insurance in Alabama

Now that we’ve examined why your insurance premiums are high, it’s time to explore what you can do about it. To cut your bills month after month, Jerry’s insurance agents recommend:

Comparison shopping: As we’ve said, there’s an ideal auto insurance company for every driver. You won’t know if you’ve got the right one until you

shop around

and take a look.

Bundling insurance products: What do you get when you

bundle your car and home insurance

together? If they’re from the same company, you get an insurance discount!

Looking for

car insurance discounts

: Speaking of discounts, there are plenty to find. See whether your insurance provider has a program for students, veterans, or military members by giving them a call.

Increasing your deductible: The more you agree to pay upfront after an accident, the less you’ll have to pay month-to-month.

Changing your payment methods: Pay your bills in one to four lump sums and you’ll cut the cost of your annual premiums.

Taking a defensive driving course

: Not only can a state-approved defensive driver course remove demerit points from your record, but it can also lower your monthly premiums.

Buying a used car: Pick a dependable classic with cheap repairs and low insurance costs, and you’ll enjoy many years of savings.

Why is car insurance so expensive in Alabama?

It’s not your imagination: auto insurance rates are going up. Here are a few reasons why Alabama drivers are feeling squeezed for cash:

Higher premiums nationwide: Auto insurance is the fastest-growing motor vehicle-related expense. Between 2012 and 2022, the national average auto insurance rate rose by 52%.

Higher motor vehicle fatality rates: In 2021, the US Department of Transportation reported 19.5 deaths per 100,000 residents in Alabama. Fatalities cause millions of dollars in damages to both human lives and property.

More drivers per capita: Alabama has the third-highest number of licensed drivers per driving age population, which leads to more congestion.

More expensive medical care: The cost of medical care is rising and taking car insurance premiums with it. Not only that, but the severity of crash injuries has also increased, as more drivers fall prey to road rage and distraction

FAQs

How much is car insurance in Alabama per month?

The average cost of car insurance in Alabama per month in May 2023 was ${dynamic} for a minimum-coverage policy and ${dynamic} for a full-coverage policy. This was slightly higher than the national average auto insurance rate.

How much does car insurance cost in Alabama?

Car insurance costs slightly more than the national average auto insurance rate in Alabama. In 2023, Jerry’s research found that Alabama drivers were paying ${dynamic} per year for a minimum coverage policy and ${dynamic} per year for a full-coverage policy. For comparison, the national average insurance cost was $1,672 per year for a full-coverage policy.

Does Alabama require car insurance?

Yes, you need car insurance in Alabama to legally drive a motor vehicle. Driving without liability coverage is punishable by a $500 – $1,000 fine, the suspension of your vehicle registration, the suspension of your driver’s license, and jail time. Repeated offenses may lead to an SR-22 filing requirement.

What increases car insurance rates in Alabama?

High crash fatality rates and an extremely high number of drivers on the road contribute to Alabama’s high insurance rates.

Does insurance follow the car or the driver in Alabama?

Car insurance generally

follows the car, not the driver

, in Alabama. Your liability, comprehensive, and collision insurance all follow the insured vehicle—but medical payments coverage or personal injury protection (PIP) follow the driver, even when you’re not in your vehicle.

What is full-coverage car insurance in Alabama?

In Alabama, as elsewhere, full coverage car insurance typically refers to a policy that includes some amount of comprehensive and collision coverage along with mandatory liability coverage. A full coverage policy may also include additional coverage, such as

uninsured motorist coverage

or medical payments coverage.

What is the penalty for not having car insurance in Alabama?

Driving without insurance in Alabama can land you with fines up to $1,000, suspension of your license and registration, and even jail time.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more

about our editorial standards, and our expert review board

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.