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Car insurance rates in Alabama also continue to increase with more serious violations. Nationwide offers particularly affordable rates in the Yellowhammer State, especially for drivers with a speeding ticket and those with poor credit. These are sample rates and should only be used for comparative purposes. We value your trust. Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. At $24 per month or $291 per year, USAA tends to offer the cheapest liability car insurance in Alabama. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. A liability coverage of 50/100/50, for instance, includes: On the other hand, comprehensive and collision coverage is included in a full coverage policy. Learn More, The Cheapest Alabama Car Insurance Rates Are $24/Mo ($291/Yr) for Liability Car Insurance and $82/Mo ($987/Yr) for Full Coverage Insurance from USAA, Answer a few simple questions to save money on your policy. 18-year-old males have the highest average premium of any age and gender we analyzed, at $6,752 per year for full coverage. Young drivers can pay significantly more for car insurance than older adults. Your IP: The cheapest car insurance company for teens is Geico, with an average annual rate of $2,433 for females and $2,684 for males. USAA typically offers the cheapest car insurance in Alabama for 25-year-olds, with an average estimate of $1,287 per year, or $107 per month. The company offers many coverage options, including new car replacement, Our research found that the average estimate for full coverage car insurance in Alabama is, , based on the profile of a 35-year-old driver with good credit and a clean driving record. Thats $165 less than the average annual rate of $1,607 in the United States. Ensure you're getting the best rate for your auto insurance. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. A full coverage car insurance policy in Montgomery, Alabama costs an average of $1,751 per year, just a few dollars higher than the Alabama state average of $1,728 per year. The cheapest car insurance company for teens is Geico, with an average annual rate of $2,433 for females and $2,684 for males. Ultimately, your best option will depend on your needs and circumstances. As you might expect, a moving vehicle violation, such as a speeding ticket or accident, leads to an increase in premiums in Alabama. What car insurance is required in Alabama? Currently insured? Please check the spelling and try again. All Rights Reserved. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Home insurance doesn't have to be a hassle. Car insurance costs in Huntsville may be lower than in other cities because the number of losses that result in claims in specific areas can affect auto insurance premiums, according to Dusty Smith, manager of the Consumer Services Division for the Alabama Department . The cheapest car insurance company after a collision is Geico at $1,595 per year. Our apologies, we cannot display the data due to availability or spelling errors. At Bankrate, we strive to help you make smarter financial decisions. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay. Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents. Thats 334% higher than the average rate estimate in the state. With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. However, rates . No, uninsured motorist coverage isnt legally required to operate a vehicle in Alabama but can help you a great deal if youre in an accident with a motorist or pedestrian who doesnt hold car insurance. Liability-only policies are the cheapest, offering bare-bones protection that meets Alabamas financial responsibility laws but they dont offer much protection. While we adhere to stricteditorial integrity, this post may contain references to products from our partners. registration suspended for 180 days or more and have to serve three to six months in jail if caught driving uninsured. Car insurance costs an average of $147 per month or $1,759 per year At $114 a month, USAA is the cheapest insurance provider on average On average, drivers aged 50-59 pay the least for car insurance The average rate increase for an at-fault accident is about $56 per month North Carolina Ohio Vermont Idaho Maine Florida Louisiana Kentucky In Alabama, drivers must abide by the minimum liability limits of 25/50/25 to legally drive on the road. In Alabama, car insurance costs $7,768 per year for a 16-year-old driver, but only $1,193 per year for a driver aged between 50 and 59. This is cheaper than the national average of $144 per month, or $1,730 per year. Based on our cost research, USAA provides the cheapest full coverage car insurance in Alabama on average, costing. Just enter your ZIP code into our free tool to see how much you can save. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Cheapest for DUI: Travelers If you have a DUI on your record, check out Travelers for the cheapest average rates. This policy covers the cost of damages caused to others but not damages to the drivers vehicle or passengers. Car insurance rates vary between states, but they also vary within states. Compensation may impact where the Sponsors appear on this website (including the order in which they appear). : Our research team considered market share, ratings from industry experts and years in business when giving this score. J.D. Below we compare cheap car insurance estimates for Alabama drivers in these categories. Geico also offers affordable coverage . But averages don't tell the whole story car insurance rates can vary widely from driver to driver and company to company. Term vs. How much is car insurance in Alabama per month? The average car insurance cost in Alabama is $120 per month or $1,442 per year. See the average rates by age group below: Check out our detailed guide on average car insurance rates by age. Alabama has a low urban population share, ranking 43rd of all states. In Alabama, liability-only car insurance costs $520 for the limits 50/100/50, according to a 2023 CarInsurance.com data analysis. Drive with peace of mind when you compare insurance carriers and find the policy thats right for you. Compare trusted real estate agents all in one place. Power regional rating: 831/1,000 Alabama car insurance rates average $1,221 annually. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Travelers, Geico, Nationwide and Allstate have some of the cheapest car insurance in Alabama according to our research. The company has the highest-rated customer service in the Southeast region, according to the J.D. The Alabama Mandatory Liability Insurance Law states that a driver without the proper insurance can be charged with a crime and liable to pay $200 for the first offense, $300 for the second, and $400 for each after. According to the Alabama Department of Insurance, insurance is required in the amount of: An uninsured motorist policy isnt required but can protect you if youre in a collision with someone who doesnt have insurance and theyre found to be at fault. Driving without insurance in Alabama is considered a misdemeanor and carries a fine from $500 to $1,000. Average annual rates for single 25-year-old females are $1,648, while average rates for males the same age are $1,744 per year. tends to offer the cheapest car insurance in Alabama for 16-year-old drivers, with an average estimate of, . We highlight the complete list of cheapest full coverage options for auto insurance in the state below. If you find your premium expensive, factors unique to your neighborhood, such as traffic congestion or neighborhood crime rates, may be the reason why. You will also see the highest and lowest rates from the six major carriers surveyed. Final thoughts on choosing car insurance in Alabama, Guide to car insurance (with rates) in cities of Alabama. If you want a full-coverage policy, you'll pay an average of $209 . Boost your business with rewards, perks and more. If you are just beginning to drive, prepare to dig deep to pay for car insurance. The table below lists the other available car insurance companies which offer car insurance in Alabama, along with their average cost per month and average annual cost. Military members, veterans and their families should strongly consider USAA coverage for car insurance in Alabama. Comprehensive and collision pay for damage to your car. The average car insurance cost in Alabama is also affected by gender, with males tending to pay more than females, especially at younger ages. A BMW 330i is the most expensive vehicle model to insure in Alabama, based on our data. Car insurance companies know teen drivers are less experienced and riskier to insure. The most expensive insurance company with a speeding ticket is Farmers, with an annual rate that averages $2,660. If you purchase a full coverage policy from Nationwide, the most expensive insurer for full coverage in Alabama, itll cost you $1,814 on average. Typically, as you get older, your premiums can decrease, as you can see with these average full coverage premiums. If youve been arrested for driving under the influence (DUI), your insurance rate will increase. Four states prohibit or restrict the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. Full coverage insurance costs $1,997 per year or $166 per month, on average. The average estimate for 25-year-old drivers in Alabama is $1,775 per year, or $148 per month. J.D. Several factors contribute to this. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence. Ensure you're getting the best rate. Military members, veterans and their families should strongly consider USAA coverage for car insurance in Alabama. 950 Tower Ln, Suite 600, Foster City 94404. No, uninsured motorist coverage is not required in Alabama. Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city. We analyzed 5,000,736 records, 1,467 ZIP codes and 212 insurance companies. Power 2021 U.S. Auto Claims Satisfaction Study. Driving incident rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction. Understanding the average cost of insurance can give you a head start in budgeting for your coverage. does not cover your vehicle if you cause an accident or run into a stationary object. We only ask for info that can impact your rate so we can share accurate and personalized offers. Cars deemed more expensive to repair, such as luxury cars and EVs, may cause your rates to be higher than those that may cost less to fix. On the expensive end of the scale, MetLife offers a similar policy for an annual rate of roughly $971. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Youll have to shop around to find providers offering cheap car insurance for drivers with bad driving records. This is 281% more than the state average estimate. Geico tends to offer the cheapest car insurance in Alabama for 16-year-old drivers, with an average estimate of $3,835 per year, or $320 per month. Why Trust MoneyGeek? Adding this optional coverage could provide additional financial protection if you are involved in an accident with someone without insurance. Find Insurers It's free, simple and secure. High-risk drivers will pay about $861 more than the state average for insurance. The state of Alabama requires drivers to carry liability insurance in the amounts of 25/50/25. Yes, it is illegal to operate a motor vehicle without car insurance in Alabama. How do I use the calculator to get average car insurance rates? Our goal is to keep information accurate and timely, but some information may not be current. Why is Alabama car insurance moderately priced? The average estimate for 25-year-old drivers in Alabama is, One of the many reasons to follow the speed limit is to keep car insurance costs down. Tesla Model 3 insurance costs an average of $2,115 per year, or about $176 a month, our analysis shows. The average rate estimate for 16-year-old drivers in Alabama is $6,425 per year, or $535 per month. The average cost of car insurance in Alabama is $1,586 per year, so Huntsville, Alabama, drivers pay an average of $24 less per year than the overall Alabama state-wide average rate. Which carrier you choose also affects how much car insurance costs in Alabama. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list. They can spread the cost over a longer period of time and dont have to worry about a large lump sum payment. This means youll need the following coverage amounts: Liability car insurance does not cover your vehicle if you cause an accident or run into a stationary object. Check out todays auto loan rates. limits of 25/50/25. Mark earned a masters degree in Economics and International Relations from Johns Hopkins University and a bachelors degree from Boston College.

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