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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UPDATED: Jan 20, 2021
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Alabama Statistics Summary | Details |
---|---|
Road Miles | In State Miles: 102,018 Miles Driven: 65,667 million |
Vehicles | Registered: 5,251,076 Vehicle Thefts: 10,141 |
State Population | 4,887,871 |
Most Popular Vehicle | Ford F150 |
Percent of Uninsured Motorists | 18.4% State Rank: 6th |
Total Driving Related Deaths | 2008-2017 Traffic Fatalities: 948 Speeding-Related Fatalities: 257 Drunk Driving Fatalities: 268 |
Average Annual Premiums | Liability: $394.21 Collision: $317.96 Comprehensive: $156.31 Full Coverage: $868.48 |
Cheapest Provider | USAA |
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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!
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 Required | Minimum 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 coverage cost would be much higher than what your state minimum coverage could pay.
See how state minimum coverage in Alabama ranks versus other states.
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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Additional Liability Coverage in Alabama
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:
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Car Insurance
- Modified Car Insurance Coverage
- Classic Car Insurance
- Pay-as-You-Drive or Usage-Based Insurance
Male vs Female Yearly Average Car Insurance Rates in Alabama
Company | Married 35-year old female Annual Rate | Married 35-year old male Annual Rate | Married 60-year old female Annual Rate | Married 60-year old male Annual Rate | Single 17-year old female Annual Rate | Single 17-year old male Annual Rate | Single 25-year old female Annual Rate | Single 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 |
USAA | $1,323.02 | $1,343.67 | $1,235.40 | $1,211.80 | $3,938.27 | $4,367.32 | $1,723.56 | $1,861.50 |
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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.
Average Annual Rates Rank by Demographic and Company in Alabama
Company | Demographic | Average Annual Rate | Rank |
---|---|---|---|
Travelers Home & Marine Ins Co | Single 17-year old male | $12,641.31 | 1 |
Safeco Ins Co of IL | Single 17-year old male | $12,511.44 | 2 |
Safeco Ins Co of IL | Single 17-year old female | $11,250.27 | 3 |
State Farm Mutual Auto | Single 17-year old male | $11,068.85 | 4 |
Progressive Specialty | Single 17-year old male | $11,026.64 | 5 |
Progressive Specialty | Single 17-year old female | $9,878.37 | 6 |
Mid-Century Ins Co | Single 17-year old male | $9,480.84 | 7 |
Mid-Century Ins Co | Single 17-year old female | $9,212.40 | 8 |
State Farm Mutual Auto | Single 17-year old female | $8,835.43 | 9 |
Travelers Home & Marine Ins Co | Single 17-year old female | $8,037.20 | 10 |
Allstate P&C | Single 17-year old male | $7,426.75 | 11 |
Allstate P&C | Single 17-year old female | $6,912.73 | 12 |
Nationwide Mutual Fire | Single 17-year old male | $5,880.92 | 13 |
Geico Cas | Single 17-year old female | $5,383.66 | 14 |
Geico Cas | Single 17-year old male | $5,284.58 | 15 |
Nationwide Mutual Fire | Single 17-year old female | $4,558.03 | 16 |
USAA | Single 17-year old male | $4,367.32 | 17 |
USAA | Single 17-year old female | $3,938.27 | 18 |
State Farm Mutual Auto | Single 25-year old male | $3,821.44 | 19 |
Safeco Ins Co of IL | Single 25-year old male | $3,504.83 | 20 |
Safeco Ins Co of IL | Married 35-year old male | $3,335.34 | 21 |
State Farm Mutual Auto | Single 25-year old female | $3,314.66 | 22 |
Safeco Ins Co of IL | Single 25-year old female | $3,289.13 | 23 |
Safeco Ins Co of IL | Married 35-year old female | $3,086.86 | 24 |
Progressive Specialty | Single 25-year old male | $3,005.15 | 25 |
State Farm Mutual Auto | Married 35-year old female | $2,934.88 | 26 |
State Farm Mutual Auto | Married 35-year old male | $2,934.88 | 26 |
Safeco Ins Co of IL | Married 60-year old male | $2,830.81 | 28 |
Mid-Century Ins Co | Single 25-year old male | $2,828.88 | 29 |
Progressive Specialty | Single 25-year old female | $2,824.87 | 30 |
Mid-Century Ins Co | Single 25-year old female | $2,718.78 | 31 |
State Farm Mutual Auto | Married 60-year old female | $2,651.27 | 32 |
State Farm Mutual Auto | Married 60-year old male | $2,651.27 | 32 |
Safeco Ins Co of IL | Married 60-year old female | $2,530.47 | 34 |
Progressive Specialty | Married 35-year old female | $2,413.50 | 35 |
Mid-Century Ins Co | Married 35-year old female | $2,391.72 | 36 |
Mid-Century Ins Co | Married 35-year old male | $2,374.46 | 37 |
Allstate P&C | Single 25-year old male | $2,300.90 | 38 |
Mid-Century Ins Co | Married 60-year old male | $2,269.18 | 39 |
Progressive Specialty | Married 35-year old male | $2,264.79 | 40 |
Allstate P&C | Single 25-year old female | $2,248.40 | 41 |
Geico Cas | Single 25-year old female | $2,171.19 | 42 |
Nationwide Mutual Fire | Single 25-year old male | $2,158.89 | 43 |
Mid-Century Ins Co | Married 60-year old female | $2,137.64 | 44 |
Progressive Specialty | Married 60-year old male | $2,112.90 | 45 |
Geico Cas | Married 35-year old female | $2,056.10 | 46 |
Geico Cas | Married 35-year old male | $2,040.76 | 47 |
Geico Cas | Single 25-year old male | $2,018.96 | 48 |
Geico Cas | Married 60-year old male | $2,007.68 | 49 |
Allstate P&C | Married 35-year old female | $2,003.19 | 50 |
Progressive Specialty | Married 60-year old female | $1,979.19 | 51 |
Geico Cas | Married 60-year old female | $1,948.49 | 52 |
Nationwide Mutual Fire | Single 25-year old female | $1,929.78 | 53 |
Allstate P&C | Married 35-year old male | $1,911.71 | 54 |
USAA | Single 25-year old male | $1,861.50 | 55 |
Allstate P&C | Married 60-year old male | $1,845.47 | 56 |
Allstate P&C | Married 60-year old female | $1,810.29 | 57 |
Nationwide Mutual Fire | Married 35-year old male | $1,761.83 | 58 |
Nationwide Mutual Fire | Married 35-year old female | $1,739.15 | 59 |
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Most Expensive/Least Expensive Rates by ZIP Code
The tables below show which areas in Alabama have the most expensive and least expensive rates.
Most Expensive ZIP Codes in Alabama | City | Average Yearly Rate by ZIP Code | Most Expensive Company | Most Expensive Yearly Rate | 2nd Most Expensive Company | 2nd Most Expensive Yearly Rate | Cheapest Company | Cheapest Yearly Rate | 2nd Cheapest Company | 2nd Cheapest Yearly Rate |
---|---|---|---|---|---|---|---|---|---|---|
35218 | BIRMINGHAM | $4,428.60 | State Farm | $6,719.51 | Liberty Mutual | $6,257.81 | USAA | $2,197.21 | Nationwide | $2,873.57 |
35214 | BIRMINGHAM | $4,352.20 | State Farm | $6,009.25 | Liberty Mutual | $5,972.65 | USAA | $2,269.43 | Nationwide | $2,856.39 |
35208 | BIRMINGHAM | $4,327.78 | State Farm | $6,749.79 | Liberty Mutual | $6,119.17 | USAA | $2,197.21 | Nationwide | $2,873.57 |
35217 | BIRMINGHAM | $4,326.48 | State Farm | $6,910.35 | Liberty Mutual | $6,000.76 | USAA | $2,224.19 | Nationwide | $2,860.41 |
35207 | BIRMINGHAM | $4,325.57 | State Farm | $6,491.25 | Liberty Mutual | $6,153.00 | USAA | $2,224.19 | Nationwide | $2,856.39 |
35204 | BIRMINGHAM | $4,313.01 | State Farm | $6,444.99 | Liberty Mutual | $6,212.13 | USAA | $2,231.20 | Nationwide | $2,850.02 |
35211 | BIRMINGHAM | $4,304.80 | State Farm | $6,506.10 | Liberty Mutual | $6,212.13 | USAA | $2,197.21 | Nationwide | $2,905.60 |
35206 | BIRMINGHAM | $4,301.59 | State Farm | $6,519.64 | Liberty Mutual | $6,181.77 | USAA | $2,155.97 | Nationwide | $2,860.41 |
35249 | BIRMINGHAM | $4,288.30 | Progressive | $6,888.87 | Liberty Mutual | $6,096.21 | USAA | $2,122.64 | Nationwide | $2,850.02 |
35228 | BIRMINGHAM | $4,281.12 | Liberty Mutual | $6,119.17 | State Farm | $5,832.84 | USAA | $2,197.21 | Nationwide | $2,873.57 |
35020 | BESSEMER | $4,276.93 | Liberty Mutual | $6,229.71 | State Farm | $5,801.95 | USAA | $2,197.21 | Nationwide | $2,905.60 |
35064 | FAIRFIELD | $4,264.44 | Liberty Mutual | $6,147.30 | State Farm | $6,063.58 | USAA | $2,197.21 | Nationwide | $2,873.57 |
35224 | BIRMINGHAM | $4,249.02 | Liberty Mutual | $5,834.03 | State Farm | $5,831.78 | USAA | $2,269.43 | Nationwide | $2,856.39 |
35221 | BIRMINGHAM | $4,226.77 | Liberty Mutual | $6,257.81 | Progressive | $5,602.74 | USAA | $2,197.21 | Nationwide | $2,873.57 |
35203 | BIRMINGHAM | $4,223.99 | State Farm | $6,357.26 | Liberty Mutual | $6,096.21 | USAA | $2,231.20 | Nationwide | $2,850.02 |
35215 | BIRMINGHAM | $4,220.08 | State Farm | $6,226.47 | Liberty Mutual | $5,919.67 | USAA | $2,274.46 | Nationwide | $2,851.73 |
35234 | BIRMINGHAM | $4,217.90 | Liberty Mutual | $6,257.81 | State Farm | $6,219.94 | USAA | $2,155.97 | Nationwide | $2,850.02 |
36615 | MOBILE | $4,216.38 | Liberty Mutual | $5,975.78 | State Farm | $5,597.24 | USAA | $2,362.45 | Nationwide | $2,892.99 |
36568 | SAINT ELMO | $4,216.23 | Liberty Mutual | $5,707.92 | Progressive | $5,418.79 | USAA | $2,456.32 | Nationwide | $2,892.99 |
35061 | DOLOMITE | $4,215.19 | State Farm | $5,786.74 | Progressive | $5,647.51 | USAA | $2,269.43 | Nationwide | $2,873.57 |
35118 | MULGA | $4,207.95 | State Farm | $5,719.65 | Progressive | $5,695.97 | USAA | $2,175.10 | Nationwide | $2,854.65 |
35254 | BIRMINGHAM | $4,202.26 | Liberty Mutual | $6,212.13 | State Farm | $5,833.15 | USAA | $2,197.21 | Nationwide | $2,850.02 |
36587 | WILMER | $4,201.84 | Liberty Mutual | $5,849.24 | State Farm | $5,451.50 | USAA | $2,456.32 | Nationwide | $2,892.99 |
35212 | BIRMINGHAM | $4,190.95 | Liberty Mutual | $6,212.13 | State Farm | $5,977.25 | USAA | $2,155.97 | Nationwide | $2,860.41 |
36605 | MOBILE | $4,190.04 | Liberty Mutual | $5,991.29 | State Farm | $5,573.78 | USAA | $2,362.45 | Nationwide | $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 Alabama | City | Average Yearly Rate by ZIP Codes | Most Expensive Company | Most Expensive Yearly Rate | 2nd Most Expensive Company | 2nd Most Expensive Yearly Rate | Cheapest Company | Cheapest Yearly Rate | 2nd Cheapest Company | 2nd Cheapest Yearly Rate |
---|---|---|---|---|---|---|---|---|---|---|
36360 | OZARK | $3,310.05 | Liberty Mutual | $4,955.21 | State Farm | $4,086.51 | USAA | $1,826.53 | Nationwide | $2,547.96 |
36322 | DALEVILLE | $3,310.67 | Liberty Mutual | $4,981.81 | State Farm | $3,979.43 | USAA | $1,843.52 | Nationwide | $2,547.96 |
36316 | CHANCELLOR | $3,330.06 | Liberty Mutual | $4,880.47 | State Farm | $4,072.52 | USAA | $1,980.54 | Nationwide | $2,547.96 |
36303 | DOTHAN | $3,337.79 | Liberty Mutual | $4,927.08 | State Farm | $4,349.12 | USAA | $1,794.84 | Nationwide | $2,453.69 |
36318 | COFFEE SPRINGS | $3,338.62 | Liberty Mutual | $4,880.47 | State Farm | $4,149.63 | USAA | $1,980.54 | Nationwide | $2,547.96 |
36467 | OPP | $3,345.93 | Liberty Mutual | $5,257.07 | State Farm | $3,843.23 | USAA | $1,944.34 | Nationwide | $2,547.96 |
36312 | ASHFORD | $3,349.21 | Liberty Mutual | $4,842.63 | State Farm | $4,350.89 | USAA | $1,895.52 | Nationwide | $2,453.69 |
36374 | SKIPPERVILLE | $3,354.03 | Liberty Mutual | $5,080.35 | State Farm | $4,141.65 | USAA | $1,968.02 | Nationwide | $2,547.96 |
35661 | MUSCLE SHOALS | $3,354.44 | Liberty Mutual | $4,837.56 | State Farm | $4,287.95 | USAA | $1,997.99 | Nationwide | $2,352.67 |
36477 | SAMSON | $3,356.68 | Liberty Mutual | $4,880.47 | State Farm | $4,019.48 | USAA | $1,980.54 | Nationwide | $2,547.96 |
36362 | FORT RUCKER | $3,359.23 | Liberty Mutual | $4,981.81 | State Farm | $4,002.07 | USAA | $1,773.67 | Nationwide | $2,547.96 |
36343 | GORDON | $3,362.40 | Liberty Mutual | $4,842.63 | State Farm | $4,289.77 | USAA | $1,895.52 | Nationwide | $2,453.69 |
36370 | PANSEY | $3,365.75 | Liberty Mutual | $4,842.63 | State Farm | $4,353.63 | USAA | $1,895.52 | Nationwide | $2,453.69 |
36330 | ENTERPRISE | $3,368.24 | Liberty Mutual | $4,981.81 | State Farm | $4,267.32 | USAA | $1,843.52 | Nationwide | $2,547.96 |
36352 | NEWTON | $3,369.81 | Liberty Mutual | $4,927.08 | State Farm | $3,967.13 | USAA | $1,968.02 | Nationwide | $2,547.96 |
35616 | CHEROKEE | $3,370.38 | Liberty Mutual | $4,938.03 | State Farm | $4,161.05 | USAA | $1,997.99 | Nationwide | $2,352.67 |
36319 | COLUMBIA | $3,371.40 | Liberty Mutual | $4,842.63 | State Farm | $4,705.91 | USAA | $1,794.84 | Nationwide | $2,453.69 |
36320 | COTTONWOOD | $3,375.53 | Liberty Mutual | $4,927.08 | State Farm | $4,357.19 | USAA | $1,895.52 | Nationwide | $2,453.69 |
36314 | BLACK | $3,376.28 | Liberty Mutual | $4,880.47 | State Farm | $4,092.44 | USAA | $1,980.54 | Nationwide | $2,547.96 |
36321 | COWARTS | $3,381.81 | Liberty Mutual | $4,927.08 | State Farm | $4,520.17 | USAA | $1,895.52 | Nationwide | $2,453.69 |
35674 | TUSCUMBIA | $3,383.56 | Liberty Mutual | $4,837.56 | State Farm | $4,368.92 | USAA | $1,997.99 | Nationwide | $2,352.67 |
35660 | SHEFFIELD | $3,384.35 | Liberty Mutual | $4,837.56 | State Farm | $4,345.68 | USAA | $1,997.99 | Nationwide | $2,352.67 |
36344 | HARTFORD | $3,384.67 | Liberty Mutual | $4,880.47 | State Farm | $4,090.04 | USAA | $1,980.54 | Nationwide | $2,547.96 |
36453 | KINSTON | $3,384.75 | Liberty Mutual | $4,880.47 | State Farm | $3,985.85 | USAA | $1,970.91 | Nationwide | $2,547.96 |
36305 | DOTHAN | $3,384.78 | Liberty Mutual | $4,927.08 | State Farm | $4,498.87 | USAA | $1,794.84 | Nationwide | $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 Alabama | Average Yearly Rate by City | Most Expensive Company | Most Expensive Yearly Rate | 2nd Most Expensive Company | 2nd Most Expensive Yearly Rate | Cheapest Company | Cheapest Yearly Rate | 2nd Cheapest Company | 2nd Cheapest Yearly Rate |
---|---|---|---|---|---|---|---|---|---|
Fairfield | $4,264.43 | Liberty Mutual | $6,147.30 | State Farm | $6,063.58 | USAA | $2,197.21 | Nationwide | $2,873.57 |
Saint Elmo | $4,216.23 | Liberty Mutual | $5,707.92 | Progressive | $5,418.79 | USAA | $2,456.32 | Nationwide | $2,892.99 |
Dolomite | $4,215.19 | State Farm | $5,786.74 | Progressive | $5,647.51 | USAA | $2,269.43 | Nationwide | $2,873.57 |
Mulga | $4,207.95 | State Farm | $5,719.65 | Progressive | $5,695.97 | USAA | $2,175.10 | Nationwide | $2,854.65 |
Wilmer | $4,201.84 | Liberty Mutual | $5,849.24 | State Farm | $5,451.50 | USAA | $2,456.32 | Nationwide | $2,892.99 |
Birmingham | $4,190.23 | State Farm | $6,007.49 | Liberty Mutual | $5,911.96 | USAA | $2,189.12 | Nationwide | $2,858.28 |
Docena | $4,185.44 | State Farm | $5,902.61 | Liberty Mutual | $5,618.17 | USAA | $2,269.43 | Nationwide | $2,856.39 |
Belle Fontaine | $4,176.36 | Progressive | $5,698.79 | Liberty Mutual | $5,689.68 | USAA | $2,271.38 | Nationwide | $2,892.99 |
Irvington | $4,168.74 | Liberty Mutual | $5,689.68 | Progressive | $5,418.79 | USAA | $2,271.38 | Nationwide | $2,892.99 |
Mobile | $4,150.99 | Liberty Mutual | $5,839.86 | State Farm | $5,385.47 | USAA | $2,313.95 | Nationwide | $2,934.05 |
Pleasant Grove | $4,149.20 | State Farm | $6,096.92 | Liberty Mutual | $5,645.78 | USAA | $2,269.43 | Nationwide | $2,854.65 |
Coden | $4,143.95 | Progressive | $5,698.79 | Liberty Mutual | $5,499.30 | USAA | $2,271.38 | Nationwide | $2,892.99 |
Bayou La Batre | $4,140.91 | Liberty Mutual | $5,699.74 | Progressive | $5,698.79 | USAA | $2,271.38 | Nationwide | $2,892.99 |
Brookside | $4,137.24 | State Farm | $5,941.80 | Liberty Mutual | $5,618.17 | USAA | $2,175.10 | Nationwide | $2,932.70 |
Adamsville | $4,132.10 | State Farm | $5,887.35 | Liberty Mutual | $5,618.17 | USAA | $2,175.10 | Nationwide | $2,856.39 |
New Castle | $4,131.09 | State Farm | $5,642.79 | Liberty Mutual | $5,610.66 | USAA | $2,175.10 | Nationwide | $2,864.25 |
Grand Bay | $4,129.30 | Liberty Mutual | $5,689.68 | Progressive | $5,542.78 | USAA | $2,271.38 | Nationwide | $2,892.99 |
Homewood | $4,120.43 | Liberty Mutual | $5,640.09 | State Farm | $5,442.31 | USAA | $2,136.84 | Nationwide | $2,857.91 |
Shannon | $4,115.23 | Liberty Mutual | $5,926.94 | State Farm | $5,642.79 | USAA | $2,122.64 | Nationwide | $2,905.60 |
Chunchula | $4,104.58 | Liberty Mutual | $5,756.28 | State Farm | $5,230.84 | USAA | $2,456.32 | Nationwide | $2,892.99 |
Fultondale | $4,101.89 | State Farm | $5,807.06 | Liberty Mutual | $5,619.12 | USAA | $2,224.19 | Nationwide | $2,864.25 |
Bessemer | $4,094.60 | Liberty Mutual | $5,903.18 | State Farm | $5,594.29 | USAA | $2,215.44 | Nationwide | $2,888.62 |
Prichard | $4,093.80 | Liberty Mutual | $6,008.88 | State Farm | $4,858.67 | USAA | $2,456.32 | Nationwide | $2,892.99 |
Dora | $4,089.71 | Liberty Mutual | $5,814.99 | State Farm | $5,642.79 | USAA | $2,175.10 | Nationwide | $2,932.70 |
Eight Mile | $4,080.85 | Liberty Mutual | $5,640.36 | State Farm | $5,075.54 | USAA | $2,445.27 | Nationwide | $2,892.99 |
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The next table has the cheapest rates for car insurance by city.
Cheapest Cities in Alabama | Yearly Average by City | Most Expensive Company | Most Expensive Yearly Rate | 2nd Most Expensive Company | 2nd Most Expensive Yearly Rate | Cheapest Company | Cheapest Yearly Rate | 2nd Cheapest Company | 2nd Cheapest Yearly Rate |
---|---|---|---|---|---|---|---|---|---|
Ozark | $3,310.05 | Liberty Mutual | $4,955.21 | State Farm | $4,086.51 | USAA | $1,826.53 | Nationwide | $2,547.96 |
Daleville | $3,310.66 | Liberty Mutual | $4,981.81 | State Farm | $3,979.43 | USAA | $1,843.52 | Nationwide | $2,547.96 |
Chancellor | $3,330.05 | Liberty Mutual | $4,880.47 | State Farm | $4,072.52 | USAA | $1,980.54 | Nationwide | $2,547.96 |
Coffee Springs | $3,338.62 | Liberty Mutual | $4,880.47 | State Farm | $4,149.63 | USAA | $1,980.54 | Nationwide | $2,547.96 |
Opp | $3,345.94 | Liberty Mutual | $5,257.07 | State Farm | $3,843.23 | USAA | $1,944.34 | Nationwide | $2,547.96 |
Ashford | $3,349.21 | Liberty Mutual | $4,842.63 | State Farm | $4,350.89 | USAA | $1,895.52 | Nationwide | $2,453.69 |
Skipperville | $3,354.03 | Liberty Mutual | $5,080.35 | State Farm | $4,141.65 | USAA | $1,968.02 | Nationwide | $2,547.96 |
Muscle Shoals | $3,354.44 | Liberty Mutual | $4,837.56 | State Farm | $4,287.95 | USAA | $1,997.99 | Nationwide | $2,352.67 |
Samson | $3,356.68 | Liberty Mutual | $4,880.47 | State Farm | $4,019.48 | USAA | $1,980.54 | Nationwide | $2,547.96 |
Fort Rucker | $3,359.23 | Liberty Mutual | $4,981.81 | State Farm | $4,002.07 | USAA | $1,773.67 | Nationwide | $2,547.96 |
Pansey | $3,365.75 | Liberty Mutual | $4,842.63 | State Farm | $4,353.63 | USAA | $1,895.52 | Nationwide | $2,453.69 |
Enterprise | $3,368.24 | Liberty Mutual | $4,981.81 | State Farm | $4,267.32 | USAA | $1,843.52 | Nationwide | $2,547.96 |
Newton | $3,369.81 | Liberty Mutual | $4,927.08 | State Farm | $3,967.13 | USAA | $1,968.02 | Nationwide | $2,547.96 |
Cherokee | $3,370.38 | Liberty Mutual | $4,938.03 | State Farm | $4,161.05 | USAA | $1,997.99 | Nationwide | $2,352.67 |
Columbia | $3,371.40 | Liberty Mutual | $4,842.63 | State Farm | $4,705.91 | USAA | $1,794.84 | Nationwide | $2,453.69 |
Black | $3,376.27 | Liberty Mutual | $4,880.47 | State Farm | $4,092.44 | USAA | $1,980.54 | Nationwide | $2,547.96 |
Cowarts | $3,381.81 | Liberty Mutual | $4,927.08 | State Farm | $4,520.17 | USAA | $1,895.52 | Nationwide | $2,453.69 |
Dothan | $3,382.47 | Liberty Mutual | $4,905.97 | State Farm | $4,474.03 | USAA | $1,878.79 | Nationwide | $2,477.26 |
Tuscumbia | $3,383.56 | Liberty Mutual | $4,837.56 | State Farm | $4,368.92 | USAA | $1,997.99 | Nationwide | $2,352.67 |
Sheffield | $3,384.35 | Liberty Mutual | $4,837.56 | State Farm | $4,345.68 | USAA | $1,997.99 | Nationwide | $2,352.67 |
Hartford | $3,384.66 | Liberty Mutual | $4,880.47 | State Farm | $4,090.04 | USAA | $1,980.54 | Nationwide | $2,547.96 |
Kinston | $3,384.75 | Liberty Mutual | $4,880.47 | State Farm | $3,985.85 | USAA | $1,970.91 | Nationwide | $2,547.96 |
Geneva | $3,389.89 | Liberty Mutual | $4,880.47 | State Farm | $4,057.17 | USAA | $1,980.54 | Nationwide | $2,547.96 |
Pinckard | $3,394.50 | Liberty Mutual | $4,927.08 | State Farm | $4,076.33 | USAA | $1,968.02 | Nationwide | $2,547.96 |
New Brockton | $3,395.84 | Liberty Mutual | $4,880.47 | State Farm | $4,367.30 | USAA | $1,970.91 | Nationwide | $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!