cheap car Insurance in Alabama | Based on the price of insurance for various drivers, customer satisfaction, and other factors, we also evaluated the top Alabama car insurance companies…See more details below;
Best cheap car Insurance in Alabama
Our editorial staff gathered quotes from leading vehicle insurance providers in each ZIP code in Alabama to assist drivers in finding the best affordable auto insurance. Quotes for minimal coverage satisfy the state’s minimum standards for bodily injury liability coverage in Alabama, which call for $50,000 per accident and $25,000 in property damage protection for each individual.
Comprehensive and collision protection, as well as larger liability limits than the required by law, are all included in full coverage estimates. Always compare prices from different Alabama providers to find the best deals. Your age, car, residence, and driving record are just a few examples of the variables that can significantly affect your rates.
Based on the price of insurance for various drivers, customer satisfaction, and other factors, we also evaluated the top Alabama car insurance companies.
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Cheapest car insurance quotes in Alabama | State Farm
For bare-bones auto insurance, State Farm is Alabama’s least expensive insurance provider. Less coverage equals lower monthly premiums, but it also means less protection in the event of an accident. In Alabama, the average cost of minimal liability auto insurance is $635 annually, or $53 monthly.
Cheapest full-coverage car insurance in Alabama | State Farm
State Farm offers annual full-coverage estimates for $1,493, 14% less than the state average, making it the least expensive auto insurance provider in Alabama on average. Allstate closely follows State Farm. The third-cheapest insurance was Nationwide.
Only Nationwide, State Farm, and Allstate offer rates that are less than the state average, but USAA is the least expensive choice. Although USAA’s prices are below average at $1,086 annually, only active-duty or retired military personnel and their families are eligible for an insurance.
Other significant insurers with a reputation for offering affordable rates, like Geico and Progressive, were more expensive in Alabama than in other states, but you should comparison shop to discover the best deals.
Cheapest car insurance for drivers with prior incidents
For Alabama drivers who have a DUI on their record, Allstate offers the lowest rates. Allstate’s premiums are consistently reasonable, even if they’re not the cheapest alternative for drivers with a speeding citation or accident. Additionally, its accident forgiveness program could prevent a rate increase if you’re able to take advantage of it before you’re involved in an accident.
Cheapest car insurance after a speeding ticket | State Farm
In Alabama, getting a speeding ticket may often increase your premiums by 18%, which is almost as much as getting into an accident. State Farm offers Alabama speeding ticketed drivers the most affordable auto insurance. State Farm’s rates are $432 less expensive than the typical premium for those who have received a speeding ticket.
Cheapest car insurance quotes after an accident | State Farm
The least expensive insurance in Alabama following an accident if you were at blame is State Farm, which only increased rates by around 22% for a driver who was at fault. If you’ve been involved in accidents or have a history of moving offenses, an insurer might view you as a riskier customer.
After an accident, the top Alabama insurers hiked rates an average of 56% yearly. Drivers were most harshly fined by Progressive and Geico, who raised rates by 64%.
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Cheapest car insurance after a DUI | Allstate
In Alabama, getting a DUI can increase your rates by 86%. Allstate offers the most affordable full-coverage auto insurance estimates for drivers with DUIs on their records, with premiums that are 35% less expensive than the national average.
Cheapest car insurance for drivers with poor credit | Nationwide
The average cost of auto insurance in Alabama can be more than 63% more for drivers with bad credit than for those with good credit. For drivers with bad credit, Nationwide has the best rates, which are around $624 less expensive than the national average.
Cheapest car insurance for married drivers | State Farm
Married drivers may qualify for a slight discount on their insurance costs. Compared to single drivers, they can save 10% on average, or $167 annually. In Alabama, State Farm has the lowest average rates for married drivers, closely followed by Allstate and Progressive.
Cheapest car insurance quotes for young drivers in Alabama | State Farm
State Farm or Allstate, which have liability-only rates under $2,000 per year, offer the best rates for young drivers looking for the least expensive auto insurance in Alabama. State Farm has the most affordable full-coverage car insurance, which is around 10% less expensive than the national average.
The typical yearly cost of low-cost auto insurance in Alabama for young drivers is $2,112, or $176 per month, which is nearly $1,477 more expensive than it is for older drivers.
Young drivers frequently pay far more for auto insurance than do drivers with more experience. For drivers under 30, the average cost of minimum-coverage auto insurance is more than treble that of those over 30.
|Company||Liability only||Full coverage|
Cheapest car insurance for young drivers after a ticket | State Farm
State Farm offers the best auto insurance for young drivers who are ticketed for driving too fast. Its liability-only coverage averages $2,119 annually, which is a little less than Allstate, the second-cheapest option, at $2,222 annually. The good news is that young drivers with tickets won’t see as much of an increase in their insurance costs as those who have been in accidents.
Cheapest car insurance for young drivers after an accident | State Farm
Young drivers already pay a lot for auto insurance, and one of the major factors raising insurance rates is being at fault in an accident. For teenage drivers who caused an accident and needed basic coverage, State Farm offers the most affordable rates, averaging $2,437 annually.
Minimum Auto Insurance requirements in Alabama
Drivers must have a certain amount of liability car insurance in Alabama by law.
|Bodily injury liability (BI)||$25,000 per person/$50,000 per accident|
|Property damage liability (PD)||$25,000 per accident|
We advise buying more insurance than what the state mandates, but you should weigh the added protection against the higher prices that come with buying more coverage. If you have a nice car, a high net worth, or you frequently drive in hazardous conditions, such as at night or over long distances, you might want to think about acquiring more coverage.