Alabama Car Insurance [Rates + Cheap Coverage Guide]

Alabama car insurance minimum liability requirements are 25/50/25 for bodily injury and property damage coverage. Average Alabama car insurance rates are $868.48/yr or $72.37/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Jun 2, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Alabama Statistics SummaryDetails
Road MilesIn State Miles: 102,018
Miles Driven: 65,667 million
VehiclesRegistered: 5,251,076
Vehicle Thefts: 10,141
State Population4,887,871
Most Popular VehicleFord F150
Percent of Uninsured Motorists18.4%
State Rank: 6th
Total Driving Related Deaths2008-2017
Traffic Fatalities: 948
Speeding-Related Fatalities: 257
Drunk Driving Fatalities: 268
Average Annual PremiumsLiability: $394.21
Collision: $317.96
Comprehensive: $156.31
Full Coverage: $868.48
Cheapest ProviderUSAA
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Famously known as the “Heart of Dixie”, Alabama offers a balanced mix of urban and rural areas to live in. Wherever you live in Alabama, the low cost of living is music to anyone’s ears, and here’s the best part – Alabama ranked at number 36th for average auto insurance expenditure amongst all the US states in 2016!

We love informing you that auto owners in Alabama pay only $769.20 annually on average for their auto insurance policy. Before reading further, you can use our comparison tool to find the cheapest auto insurance provider in Alabama.

Start comparison shopping today using our FREE online tool. Enter your ZIP code below to get started!

When it comes to buying an auto insurance policy, the research revolving around the best rates, coverage, and insurance carrier can be a time-consuming and daunting task for all of us. The ocean of information on the internet is difficult to wade through, and that’s why we have collated this comprehensive guide for you.

Keeping the best of your interest in our minds, we would help you to navigate the auto insurance landscape with ease!

Table of Contents

Alabama Car Insurance Coverage and Rates

To start with – you must be aware of the minimum insurance coverage in your state, without which it would be illegal for you to drive. The minimum coverage not only protects you from paying hefty damages in the event of an accident but also saves you from state penalties and the possibility of losing your license.

Minimum Car Insurance Requirement in Alabama

Insurance RequiredMinimum Limits: 25/50/25
Bodily Injury Liability Coverage$25,000 per person per accident
$50,000 per accident
Property Damage Liability Coverage$25,000 minimum
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Liability for bodily injury and property means that you’re liable to pay the cost of harm/damages to people and property caused by you. In the event of an accident, your insurer would pay $25,000 per person towards medical expenses and a maximum of $50,000 overall. For damage to property, the insurer would pay a maximum of $25,000.

Remember – Liability insurance only covers the other party and doesn’t pay for medical expenses/damages to you/your co-passengers or your property.

Would the state minimum requirement really cover your damages in the event of an accident?

Though the state minimum for Alabama isn’t on the lower side, those numbers wouldn’t be enough to cover the medical expenses and property damages if you’re involved in a serious accident. Also, if you end up in an accident with a high-value or luxury car, your property damage cost would be much higher than what your state minimum coverage could pay.
See how state minimum coverage in Alabama ranks versus other states.

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Penalties For Not Carrying Auto Insurance in Alabama

If a driver is found in violation of Alabama’s Mandatory Liability Insurance law, he/she could be charged a fine up to $500 on the first offense. Any subsequent violations can lead to a fine of $1,000 and/or a license suspension for a period of six months.

In addition, you would also have to face vehicle registration suspension, meaning a $200 reinstatement fee for the first time. If you drive uninsured the second time, registration reinstatement would cost you $400 and a mandatory suspension of four months.

Here’s the worst part –  You would end up paying significant damages if you’re involved in a serious accident without auto insurance.

Optional Auto Coverage in Alabama

Even after you have bought the necessary auto coverage to protect yourself from an unfortunate accident, you might find yourself in a situation that leaves a lasting impact on your bank balance.

Take for example the tornado outbreak of 2011 during which Alabama witnessed around 64 tornadoes in a day. Do you think your auto insurance would cover the damage to your car from those tornadoes? The short answer – Collision and liability insurance doesn’t cover damages from natural calamities.

Let’s take another example – While driving, you get hit by another motorist who is found to be at fault. Naturally, you would feel relieved in a situation like this. But, what if the other motorist is uninsured or underinsured?

Alabama ranks at number 6th amongst the top worst states with the highest percentage of uninsured motorists. This should be a cause of worry if you’re driving in Alabama since the uninsured motorist percentage hovers around 18.4 percent.

To know about how you can protect yourself from these above-mentioned scenarios, we would explain other optional coverages that you must know about. We are here to help you uncover all facets of auto insurance coverage.

  • Uninsured/Underinsured Motorist Coverages – Uninsured Motorist Coverage pays the damages of your physical injury or property in an accident when the at-fault motorist is uninsured or underinsured.
  • Comprehensive Coverage – Comprehensive Insurance covers the repair or replacement cost of your car in the event of damage not resulting from a collision. This includes events such as fire, tornadoes, falling objects, vandalism etc.

Premiums as Percentage of Income in Alabama

These stats would definitely make you happy! After all, Alabama ranked at number 36th for average auto insurance expenditure in America in 2016.

In 2014, the annual per capita personal disposable income in Alabama was $33,535 while the average full coverage auto premium was $837 annually. The average premium was around 2.5 percent of the disposable income.

Don’t worry, we have done the math for you.

On an average, if you’re a driver in Alabama, your monthly premiums for a full auto coverage would be around $69.76.

Disposable income is the money at your disposal after you have paid your income tax. Do make sure that you budget smartly to accommodate for the cost of auto insurance premiums.

Average Monthly Car Insurance Rates in AL (Liability, Collision, Comprehensive)


The table above illustrates the average cost of covering collision, liability and comprehensive auto premiums in the year 2015 sourced from the leading authority on the insurance industry. The numbers in this table would offer you a more realistic idea of the auto insurance cost.

The premiums illustrated in this table are the actual average premiums with varying coverage limits starting from state minimum liability requirements to full coverages.

Keep in mind that your auto premiums would depend on the coverage you choose.

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Apart from the basic coverage, there are additional liability coverage options that offer you protection under different circumstances.
Medical Expenses, Uninsured and Underinsured Motorist Coverage – Though the state of Alabama doesn’t require motorists to buy coverage for medical expenses and uninsured motorists, it’s recommended to consider these while exploring additional coverage options. In the event of an unforeseen accident, you would be covered for damages irrespective of who is at fault, and you wouldn’t need to worry if the at-fault motorist is uninsured/underinsured.

Alabama ranks at number 6th amongst the top worst states with the highest percentage of uninsured motorists.

In case you wish to understand about the optional coverages (Collision, Comprehensive, Medical, Uninsured/Underinsured) that would protect you from circumstances that most people are unaware of, you should watch this 3-minute video for a quick refresher.

Add-ons, Endorsements, and Riders

Apart from the coverage options explained in the video, there are few add-ons and riders that may help you during certain circumstances, such as engine protection or roadside assistance in case of a breakdown.

By now, you must be concerned about the additional cost of these optional coverages and riders. That’s why we have designed a highly-intuitive car insurance comparison tool to help you get the cheapest rate in your state.

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To get a detailed overview of all the optional add-ons and riders that you can buy along with the state minimum coverage, do browse the following quickly:

Male vs Female Yearly Average Car Insurance Rates in Alabama

CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate P&C$2,003.19$1,911.71$1,810.29$1,845.47$6,912.73$7,426.75$2,248.40$2,300.90
Mid-Century Ins Co$2,391.72$2,374.46$2,137.64$2,269.18$9,212.40$9,480.84$2,718.78$2,828.88
Geico Cas$2,056.10$2,040.76$1,948.49$2,007.68$5,383.66$5,284.58$2,171.19$2,018.96
Safeco Ins Co of IL$3,086.86$3,335.34$2,530.47$2,830.81$11,250.27$12,511.44$3,289.13$3,504.83
Nationwide Mutual Fire$1,739.15$1,761.83$1,583.95$1,641.07$4,558.03$5,880.92$1,929.78$2,158.89
Progressive Specialty$2,413.50$2,264.79$1,979.19$2,112.90$9,878.37$11,026.64$2,824.87$3,005.15
State Farm Mutual Auto$2,934.88$2,934.88$2,651.27$2,651.27$8,835.43$11,068.85$3,314.66$3,821.44
Travelers Home & Marine Ins Co$1,501.32$1,524.86$1,407.98$1,403.64$8,037.20$12,641.31$1,422.13$1,631.77
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Usually, young male drivers in their 20’s are believed to pay higher premiums compared to their female counterparts in the same age group because they cause more accidents. Our internal research data strengthens that belief as young male drivers are charged more by almost all carriers in Alabama.

In the 60-year-old age group, the average insurance premiums are more or less the same for males and females in the state of Alabama.
Point to note: Do remember that your driving record and coverage limits play a huge role in determining your annual premiums.

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Average Annual Rates Rank by Demographic and Company in Alabama

CompanyDemographicAverage Annual RateRank
Travelers Home & Marine Ins CoSingle 17-year old male$12,641.311
Safeco Ins Co of ILSingle 17-year old male$12,511.442
Safeco Ins Co of ILSingle 17-year old female$11,250.273
State Farm Mutual AutoSingle 17-year old male$11,068.854
Progressive SpecialtySingle 17-year old male$11,026.645
Progressive SpecialtySingle 17-year old female$9,878.376
Mid-Century Ins CoSingle 17-year old male$9,480.847
Mid-Century Ins CoSingle 17-year old female$9,212.408
State Farm Mutual AutoSingle 17-year old female$8,835.439
Travelers Home & Marine Ins CoSingle 17-year old female$8,037.2010
Allstate P&CSingle 17-year old male$7,426.7511
Allstate P&CSingle 17-year old female$6,912.7312
Nationwide Mutual FireSingle 17-year old male$5,880.9213
Geico CasSingle 17-year old female$5,383.6614
Geico CasSingle 17-year old male$5,284.5815
Nationwide Mutual FireSingle 17-year old female$4,558.0316
USAASingle 17-year old male$4,367.3217
USAASingle 17-year old female$3,938.2718
State Farm Mutual AutoSingle 25-year old male$3,821.4419
Safeco Ins Co of ILSingle 25-year old male$3,504.8320
Safeco Ins Co of ILMarried 35-year old male$3,335.3421
State Farm Mutual AutoSingle 25-year old female$3,314.6622
Safeco Ins Co of ILSingle 25-year old female$3,289.1323
Safeco Ins Co of ILMarried 35-year old female$3,086.8624
Progressive SpecialtySingle 25-year old male$3,005.1525
State Farm Mutual AutoMarried 35-year old female$2,934.8826
State Farm Mutual AutoMarried 35-year old male$2,934.8826
Safeco Ins Co of ILMarried 60-year old male$2,830.8128
Mid-Century Ins CoSingle 25-year old male$2,828.8829
Progressive SpecialtySingle 25-year old female$2,824.8730
Mid-Century Ins CoSingle 25-year old female$2,718.7831
State Farm Mutual AutoMarried 60-year old female$2,651.2732
State Farm Mutual AutoMarried 60-year old male$2,651.2732
Safeco Ins Co of ILMarried 60-year old female$2,530.4734
Progressive SpecialtyMarried 35-year old female$2,413.5035
Mid-Century Ins CoMarried 35-year old female$2,391.7236
Mid-Century Ins CoMarried 35-year old male$2,374.4637
Allstate P&CSingle 25-year old male$2,300.9038
Mid-Century Ins CoMarried 60-year old male$2,269.1839
Progressive SpecialtyMarried 35-year old male$2,264.7940
Allstate P&CSingle 25-year old female$2,248.4041
Geico CasSingle 25-year old female$2,171.1942
Nationwide Mutual FireSingle 25-year old male$2,158.8943
Mid-Century Ins CoMarried 60-year old female$2,137.6444
Progressive SpecialtyMarried 60-year old male$2,112.9045
Geico CasMarried 35-year old female$2,056.1046
Geico CasMarried 35-year old male$2,040.7647
Geico CasSingle 25-year old male$2,018.9648
Geico CasMarried 60-year old male$2,007.6849
Allstate P&CMarried 35-year old female$2,003.1950
Progressive SpecialtyMarried 60-year old female$1,979.1951
Geico CasMarried 60-year old female$1,948.4952
Nationwide Mutual FireSingle 25-year old female$1,929.7853
Allstate P&CMarried 35-year old male$1,911.7154
USAASingle 25-year old male$1,861.5055
Allstate P&CMarried 60-year old male$1,845.4756
Allstate P&CMarried 60-year old female$1,810.2957
Nationwide Mutual FireMarried 35-year old male$1,761.8358
Nationwide Mutual FireMarried 35-year old female$1,739.1559
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Most Expensive/Least Expensive Rates by ZIP Code

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The tables below show which areas in Alabama have the most expensive and least expensive rates.

Most Expensive ZIP Codes in AlabamaCityAverage Yearly Rate by ZIP CodeMost Expensive CompanyMost Expensive Yearly Rate2nd Most Expensive Company2nd Most Expensive Yearly RateCheapest CompanyCheapest Yearly Rate2nd Cheapest Company2nd Cheapest Yearly Rate
35218BIRMINGHAM$4,428.60State Farm$6,719.51Liberty Mutual$6,257.81USAA$2,197.21Nationwide$2,873.57
35214BIRMINGHAM$4,352.20State Farm$6,009.25Liberty Mutual$5,972.65USAA$2,269.43Nationwide$2,856.39
35208BIRMINGHAM$4,327.78State Farm$6,749.79Liberty Mutual$6,119.17USAA$2,197.21Nationwide$2,873.57
35217BIRMINGHAM$4,326.48State Farm$6,910.35Liberty Mutual$6,000.76USAA$2,224.19Nationwide$2,860.41
35207BIRMINGHAM$4,325.57State Farm$6,491.25Liberty Mutual$6,153.00USAA$2,224.19Nationwide$2,856.39
35204BIRMINGHAM$4,313.01State Farm$6,444.99Liberty Mutual$6,212.13USAA$2,231.20Nationwide$2,850.02
35211BIRMINGHAM$4,304.80State Farm$6,506.10Liberty Mutual$6,212.13USAA$2,197.21Nationwide$2,905.60
35206BIRMINGHAM$4,301.59State Farm$6,519.64Liberty Mutual$6,181.77USAA$2,155.97Nationwide$2,860.41
35249BIRMINGHAM$4,288.30Progressive$6,888.87Liberty Mutual$6,096.21USAA$2,122.64Nationwide$2,850.02
35228BIRMINGHAM$4,281.12Liberty Mutual$6,119.17State Farm$5,832.84USAA$2,197.21Nationwide$2,873.57
35020BESSEMER$4,276.93Liberty Mutual$6,229.71State Farm$5,801.95USAA$2,197.21Nationwide$2,905.60
35064FAIRFIELD$4,264.44Liberty Mutual$6,147.30State Farm$6,063.58USAA$2,197.21Nationwide$2,873.57
35224BIRMINGHAM$4,249.02Liberty Mutual$5,834.03State Farm$5,831.78USAA$2,269.43Nationwide$2,856.39
35221BIRMINGHAM$4,226.77Liberty Mutual$6,257.81Progressive$5,602.74USAA$2,197.21Nationwide$2,873.57
35203BIRMINGHAM$4,223.99State Farm$6,357.26Liberty Mutual$6,096.21USAA$2,231.20Nationwide$2,850.02
35215BIRMINGHAM$4,220.08State Farm$6,226.47Liberty Mutual$5,919.67USAA$2,274.46Nationwide$2,851.73
35234BIRMINGHAM$4,217.90Liberty Mutual$6,257.81State Farm$6,219.94USAA$2,155.97Nationwide$2,850.02
36615MOBILE$4,216.38Liberty Mutual$5,975.78State Farm$5,597.24USAA$2,362.45Nationwide$2,892.99
36568SAINT ELMO$4,216.23Liberty Mutual$5,707.92Progressive$5,418.79USAA$2,456.32Nationwide$2,892.99
35061DOLOMITE$4,215.19State Farm$5,786.74Progressive$5,647.51USAA$2,269.43Nationwide$2,873.57
35118MULGA$4,207.95State Farm$5,719.65Progressive$5,695.97USAA$2,175.10Nationwide$2,854.65
35254BIRMINGHAM$4,202.26Liberty Mutual$6,212.13State Farm$5,833.15USAA$2,197.21Nationwide$2,850.02
36587WILMER$4,201.84Liberty Mutual$5,849.24State Farm$5,451.50USAA$2,456.32Nationwide$2,892.99
35212BIRMINGHAM$4,190.95Liberty Mutual$6,212.13State Farm$5,977.25USAA$2,155.97Nationwide$2,860.41
36605MOBILE$4,190.04Liberty Mutual$5,991.29State Farm$5,573.78USAA$2,362.45Nationwide$2,892.99
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ZIP codes in Birmingham make up the majority of the most expensive ZIP codes.

Cheapest ZIP Codes in AlabamaCityAverage Yearly Rate by ZIP CodesMost Expensive CompanyMost Expensive Yearly Rate2nd Most Expensive Company2nd Most Expensive Yearly RateCheapest CompanyCheapest Yearly Rate2nd Cheapest Company2nd Cheapest Yearly Rate
36360OZARK$3,310.05Liberty Mutual$4,955.21State Farm$4,086.51USAA$1,826.53Nationwide$2,547.96
36322DALEVILLE$3,310.67Liberty Mutual$4,981.81State Farm$3,979.43USAA$1,843.52Nationwide$2,547.96
36316CHANCELLOR$3,330.06Liberty Mutual$4,880.47State Farm$4,072.52USAA$1,980.54Nationwide$2,547.96
36303DOTHAN$3,337.79Liberty Mutual$4,927.08State Farm$4,349.12USAA$1,794.84Nationwide$2,453.69
36318COFFEE SPRINGS$3,338.62Liberty Mutual$4,880.47State Farm$4,149.63USAA$1,980.54Nationwide$2,547.96
36467OPP$3,345.93Liberty Mutual$5,257.07State Farm$3,843.23USAA$1,944.34Nationwide$2,547.96
36312ASHFORD$3,349.21Liberty Mutual$4,842.63State Farm$4,350.89USAA$1,895.52Nationwide$2,453.69
36374SKIPPERVILLE$3,354.03Liberty Mutual$5,080.35State Farm$4,141.65USAA$1,968.02Nationwide$2,547.96
35661MUSCLE SHOALS$3,354.44Liberty Mutual$4,837.56State Farm$4,287.95USAA$1,997.99Nationwide$2,352.67
36477SAMSON$3,356.68Liberty Mutual$4,880.47State Farm$4,019.48USAA$1,980.54Nationwide$2,547.96
36362FORT RUCKER$3,359.23Liberty Mutual$4,981.81State Farm$4,002.07USAA$1,773.67Nationwide$2,547.96
36343GORDON$3,362.40Liberty Mutual$4,842.63State Farm$4,289.77USAA$1,895.52Nationwide$2,453.69
36370PANSEY$3,365.75Liberty Mutual$4,842.63State Farm$4,353.63USAA$1,895.52Nationwide$2,453.69
36330ENTERPRISE$3,368.24Liberty Mutual$4,981.81State Farm$4,267.32USAA$1,843.52Nationwide$2,547.96
36352NEWTON$3,369.81Liberty Mutual$4,927.08State Farm$3,967.13USAA$1,968.02Nationwide$2,547.96
35616CHEROKEE$3,370.38Liberty Mutual$4,938.03State Farm$4,161.05USAA$1,997.99Nationwide$2,352.67
36319COLUMBIA$3,371.40Liberty Mutual$4,842.63State Farm$4,705.91USAA$1,794.84Nationwide$2,453.69
36320COTTONWOOD$3,375.53Liberty Mutual$4,927.08State Farm$4,357.19USAA$1,895.52Nationwide$2,453.69
36314BLACK$3,376.28Liberty Mutual$4,880.47State Farm$4,092.44USAA$1,980.54Nationwide$2,547.96
36321COWARTS$3,381.81Liberty Mutual$4,927.08State Farm$4,520.17USAA$1,895.52Nationwide$2,453.69
35674TUSCUMBIA$3,383.56Liberty Mutual$4,837.56State Farm$4,368.92USAA$1,997.99Nationwide$2,352.67
35660SHEFFIELD$3,384.35Liberty Mutual$4,837.56State Farm$4,345.68USAA$1,997.99Nationwide$2,352.67
36344HARTFORD$3,384.67Liberty Mutual$4,880.47State Farm$4,090.04USAA$1,980.54Nationwide$2,547.96
36453KINSTON$3,384.75Liberty Mutual$4,880.47State Farm$3,985.85USAA$1,970.91Nationwide$2,547.96
36305DOTHAN$3,384.78Liberty Mutual$4,927.08State Farm$4,498.87USAA$1,794.84Nationwide$2,453.69
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Most Expensive/Least Expensive Rates by Cities

The next set of data shows which cities in Alabama have the worst and best car insurance rates. Take a look to see if your city is on either list.

Most Expensive Cities in AlabamaAverage Yearly Rate by CityMost Expensive CompanyMost Expensive Yearly Rate2nd Most Expensive Company2nd Most Expensive Yearly RateCheapest CompanyCheapest Yearly Rate2nd Cheapest Company2nd Cheapest Yearly Rate
Fairfield$4,264.43Liberty Mutual$6,147.30State Farm$6,063.58USAA$2,197.21Nationwide$2,873.57
Saint Elmo$4,216.23Liberty Mutual$5,707.92Progressive$5,418.79USAA$2,456.32Nationwide$2,892.99
Dolomite$4,215.19State Farm$5,786.74Progressive$5,647.51USAA$2,269.43Nationwide$2,873.57
Mulga$4,207.95State Farm$5,719.65Progressive$5,695.97USAA$2,175.10Nationwide$2,854.65
Wilmer$4,201.84Liberty Mutual$5,849.24State Farm$5,451.50USAA$2,456.32Nationwide$2,892.99
Birmingham$4,190.23State Farm$6,007.49Liberty Mutual$5,911.96USAA$2,189.12Nationwide$2,858.28
Docena$4,185.44State Farm$5,902.61Liberty Mutual$5,618.17USAA$2,269.43Nationwide$2,856.39
Belle Fontaine$4,176.36Progressive$5,698.79Liberty Mutual$5,689.68USAA$2,271.38Nationwide$2,892.99
Irvington$4,168.74Liberty Mutual$5,689.68Progressive$5,418.79USAA$2,271.38Nationwide$2,892.99
Mobile$4,150.99Liberty Mutual$5,839.86State Farm$5,385.47USAA$2,313.95Nationwide$2,934.05
Pleasant Grove$4,149.20State Farm$6,096.92Liberty Mutual$5,645.78USAA$2,269.43Nationwide$2,854.65
Coden$4,143.95Progressive$5,698.79Liberty Mutual$5,499.30USAA$2,271.38Nationwide$2,892.99
Bayou La Batre$4,140.91Liberty Mutual$5,699.74Progressive$5,698.79USAA$2,271.38Nationwide$2,892.99
Brookside$4,137.24State Farm$5,941.80Liberty Mutual$5,618.17USAA$2,175.10Nationwide$2,932.70
Adamsville$4,132.10State Farm$5,887.35Liberty Mutual$5,618.17USAA$2,175.10Nationwide$2,856.39
New Castle$4,131.09State Farm$5,642.79Liberty Mutual$5,610.66USAA$2,175.10Nationwide$2,864.25
Grand Bay$4,129.30Liberty Mutual$5,689.68Progressive$5,542.78USAA$2,271.38Nationwide$2,892.99
Homewood$4,120.43Liberty Mutual$5,640.09State Farm$5,442.31USAA$2,136.84Nationwide$2,857.91
Shannon$4,115.23Liberty Mutual$5,926.94State Farm$5,642.79USAA$2,122.64Nationwide$2,905.60
Chunchula$4,104.58Liberty Mutual$5,756.28State Farm$5,230.84USAA$2,456.32Nationwide$2,892.99
Fultondale$4,101.89State Farm$5,807.06Liberty Mutual$5,619.12USAA$2,224.19Nationwide$2,864.25
Bessemer$4,094.60Liberty Mutual$5,903.18State Farm$5,594.29USAA$2,215.44Nationwide$2,888.62
Prichard$4,093.80Liberty Mutual$6,008.88State Farm$4,858.67USAA$2,456.32Nationwide$2,892.99
Dora$4,089.71Liberty Mutual$5,814.99State Farm$5,642.79USAA$2,175.10Nationwide$2,932.70
Eight Mile$4,080.85Liberty Mutual$5,640.36State Farm$5,075.54USAA$2,445.27Nationwide$2,892.99
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The next table has the cheapest rates for car insurance by city.

Cheapest Cities in AlabamaYearly Average by CityMost Expensive CompanyMost Expensive Yearly Rate2nd Most Expensive Company2nd Most Expensive Yearly RateCheapest CompanyCheapest Yearly Rate2nd Cheapest Company2nd Cheapest Yearly Rate
Ozark$3,310.05Liberty Mutual$4,955.21State Farm$4,086.51USAA$1,826.53Nationwide$2,547.96
Daleville$3,310.66Liberty Mutual$4,981.81State Farm$3,979.43USAA$1,843.52Nationwide$2,547.96
Chancellor$3,330.05Liberty Mutual$4,880.47State Farm$4,072.52USAA$1,980.54Nationwide$2,547.96
Coffee Springs$3,338.62Liberty Mutual$4,880.47State Farm$4,149.63USAA$1,980.54Nationwide$2,547.96
Opp$3,345.94Liberty Mutual$5,257.07State Farm$3,843.23USAA$1,944.34Nationwide$2,547.96
Ashford$3,349.21Liberty Mutual$4,842.63State Farm$4,350.89USAA$1,895.52Nationwide$2,453.69
Skipperville$3,354.03Liberty Mutual$5,080.35State Farm$4,141.65USAA$1,968.02Nationwide$2,547.96
Muscle Shoals$3,354.44Liberty Mutual$4,837.56State Farm$4,287.95USAA$1,997.99Nationwide$2,352.67
Samson$3,356.68Liberty Mutual$4,880.47State Farm$4,019.48USAA$1,980.54Nationwide$2,547.96
Fort Rucker$3,359.23Liberty Mutual$4,981.81State Farm$4,002.07USAA$1,773.67Nationwide$2,547.96
Pansey$3,365.75Liberty Mutual$4,842.63State Farm$4,353.63USAA$1,895.52Nationwide$2,453.69
Enterprise$3,368.24Liberty Mutual$4,981.81State Farm$4,267.32USAA$1,843.52Nationwide$2,547.96
Newton$3,369.81Liberty Mutual$4,927.08State Farm$3,967.13USAA$1,968.02Nationwide$2,547.96
Cherokee$3,370.38Liberty Mutual$4,938.03State Farm$4,161.05USAA$1,997.99Nationwide$2,352.67
Columbia$3,371.40Liberty Mutual$4,842.63State Farm$4,705.91USAA$1,794.84Nationwide$2,453.69
Black$3,376.27Liberty Mutual$4,880.47State Farm$4,092.44USAA$1,980.54Nationwide$2,547.96
Cowarts$3,381.81Liberty Mutual$4,927.08State Farm$4,520.17USAA$1,895.52Nationwide$2,453.69
Dothan$3,382.47Liberty Mutual$4,905.97State Farm$4,474.03USAA$1,878.79Nationwide$2,477.26
Tuscumbia$3,383.56Liberty Mutual$4,837.56State Farm$4,368.92USAA$1,997.99Nationwide$2,352.67
Sheffield$3,384.35Liberty Mutual$4,837.56State Farm$4,345.68USAA$1,997.99Nationwide$2,352.67
Hartford$3,384.66Liberty Mutual$4,880.47State Farm$4,090.04USAA$1,980.54Nationwide$2,547.96
Kinston$3,384.75Liberty Mutual$4,880.47State Farm$3,985.85USAA$1,970.91Nationwide$2,547.96
Geneva$3,389.89Liberty Mutual$4,880.47State Farm$4,057.17USAA$1,980.54Nationwide$2,547.96
Pinckard$3,394.50Liberty Mutual$4,927.08State Farm$4,076.33USAA$1,968.02Nationwide$2,547.96
New Brockton$3,395.84Liberty Mutual$4,880.47State Farm$4,367.30USAA$1,970.91Nationwide$2,547.96
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Alabama Car Insurance Companies

When I had to buy insurance for my car, I used every research methodology known to man to find out the best provider in my state. Although a cheap quote was one of my criteria in narrowing down the list of carriers, I also wanted to focus on ratings, claims settlement history, and customer service.

While considering an insurance carrier, do remember to check for customer reviews, financial ratings and their overall image in the market.

To make the process effortless for you, we have done the necessary research so that your decision to purchase coverage from a carrier is based on facts – historic data that helps if you have to file a claim in the future.

Let’s dig deep to find out the best providers in Alabama!

Alabama’s Car Insurance Rates by Provider

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Alabama
Monthly Average Alabama Car Insurance Rates by ZIP Code
Factors Affecting Car Insurance Rates in Alabama
Alabama Car Insurance Rates by Company vs. State Average
Alabama Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Alabama
Monthly Average Alabama Car Insurance Rates by ZIP Code
Factors Affecting Car Insurance Rates in Alabama
Alabama Car Insurance Rates by Company vs. State Average
Alabama Car Insurers by Market Share %