In Alabama, GEICO offers the most affordable average rate. However, actual vehicle insurance premiums vary depending on a number of variables, including age, the extent of coverage, credit score, and driving record.
For instance, GEICO gives the most economical rate for drivers with poor credit and those who desire additional coverage, but Allstate is the most cost-effective choice for those who have been in incidents for which they are at fault. For military families, USAA is the best choice because it has the most affordable premiums.
Alabama's lowest-cost minimum liability auto insurance
In Alabama, the cost of car insurance is determined by a number of unique criteria. The least expensive type of auto insurance in Alabama is minimal liability coverage, which satisfies the legal minimum.
In Alabama, these companies offer the least expensive minimal liability coverage:
GEICO: $375 annually
Financial for the nation: $494 annually
At an average cost of $304 per year, USAA offers the most affordable insurance for active-duty and former service members, as well as their families. In contrast, with an average yearly premium of $971, MetLife is the most expensive insurer in the state for basic liability coverage.
lowest-cost minimum liability
|
company
|
Annually
|
Monthly
|
|
USAA
|
$304
|
$25
|
|
GEICO
|
$375
|
$31
|
|
Country
Financial
|
$494
|
$41
|
|
Allstate
|
$498
|
$42
|
|
Travelers
|
$562
|
$47
|
Alabama's most affordable full-coverage auto insurance
In Alabama, purchasing a full coverage policy gives you access to higher liability limits as well as collision and comprehensive insurance protection that shields you from most on- and off-road mishaps.
The cost of comprehensive coverage is considerably greater than the minimal liability coverage requirements, but it also includes coverage for damages to your automobile in the event of an accident. You can obtain the most affordable rates in the state by comparing auto insurance quotes from several providers.
The following companies in Alabama offer full coverage auto insurance at the lowest rates, according to MoneyGeek:
GEICO: $827 annually
Allstate :$846 annually
USAA offers full coverage insurance for the lowest annual average price for military personnel, veterans, and their families in Alabama, at $677.
Nationwide has the most expensive full coverage premium. The average annual cost of this policy for drivers is $1,814
ALABAMA'S CHEAPEST FULL COVERAGE AUTO INSURANCE
|
company
|
Annually
|
Monthly
|
|
USAA
|
$677
|
$56
|
|
GEICO
|
$827
|
$69
|
|
Allstate
|
$846
|
$71
|
|
Country
Financial
|
$1,033
|
$86
|
|
Travelers
|
$1,059
|
$88
|
Cheapest Auto Insurance in Alabama for DUI Drivers
Insurance companies view Alabama drivers with a history of infractions, such as a DUI, as high-risk customers and charge them more than those who have a spotless driving record. They might also be required to submit an SR-22. An unblemished driver's annual premium for auto insurance is approximately $1,221; meanwhile, a DUI offender's annual premium is approximately $2,064.
In the state, the following companies offer full coverage auto insurance at the lowest rates:
Allstate $1,150 annually.
State Farm $1,345 annually.
The second-cheapest choice, USAA, costs around $1,290 a year, but it's only accessible to families with active-duty military members.
While Allstate frequently has more affordable rates for individuals who have had a DUI, GEICO is the second-cheapest full coverage provider for drivers with a clean driving record.
AVERAGE RATES FOR AUTO INSURANCE WITH A DUI
|
company
|
Annually
|
Monthly
|
|
Allstate
|
$1,150
|
$96
|
|
USAA
|
$1,290
|
$108
|
|
State
Farm
|
$1,345
|
$112
|
|
Country
Financial
|
$1,591
|
$133
|
|
Farmers
|
$1,639
|
$137
|
Alabama's lowest cost auto insurance for drivers involved in accidents
Drivers in Alabama who have been involved in an accident for which they were at fault will pay more for their auto insurance. For drivers who cause accidents, the average annual insurance cost is $1,572.
The following auto insurance policies in Alabama are the least expensive for drivers who cause accidents and have average rates:
Allstate : $1,181 annually
GEICO: $1,239 annually
USAA is the most affordable choice in the state for people who are in the armed forces, veterans, and their families. It costs $943 on average per year.
CHEAPEST AUTO INSURANCE FOR AN ACCIDENT DUE TO NEGLIGENCE
|
company
|
Annually
|
Monthly
|
|
USAA
|
$943
|
$79
|
|
Allstate
|
$1,181
|
$98
|
|
GEICO
|
$1,239
|
$103
|
|
Country
Financial
|
$1,350
|
$113
|
|
MetLife
|
$1,484
|
$124
|
Alabama's lowest cost auto insurance for drivers with tickets
In Alabama, minor infractions like speeding citations result in insurance rates that are greater than the $1,221 average that individuals with clean driving records pay. You will pay an extra $262 annually, or around $1,483, if you have a speeding ticket.
Alabama's most affordable companies for comprehensive coverage with a speeding ticket are:
Allstate : $945 annually
GEICO: $986 annually
In Alabama, Allstate offers the most affordable rates for non-military drivers, but GEICO is not far behind with an average annual premium of $986. The least expensive choice for active-duty service personnel, veterans, and their families is USAA, which has an average annual cost of $752.
AVERAGE RATES FOR AUTO INSURANCE WITH A TICKET
|
company
|
Annually
|
Monthly
|
|
USAA
|
$752
|
$63
|
|
Allstate
|
$945
|
$79
|
|
GEICO
|
$986
|
$82
|
|
Country
Financial
|
$1,253
|
$104
|
|
State
Farm
|
$1,345
|
$112
|
Alabama's Lowest Cost Auto Insurance Providers for People With Poor Credit
Drivers in Alabama with low credit scores pay almost twice as much for car insurance as those with high credit ratings. For drivers with good credit, the average annual cost of auto insurance is $1,221, while for those with terrible credit, the average annual cost is $2,183.
The top two auto insurance providers in Alabama that provide full coverage at the most affordable prices for motorists with bad credit are:
GEICO: $1,208 annually
Allstate: $1,408 annually
USAA offers the cheapest vehicle insurance for active-duty and retired military personnel, as well as their families, at an average cost of $1,126 annually. With an average cost of $3,965 a year, MetLife is the most expensive auto insurance provider for those with poor credit.
CHEAPEST RATES FOR DRIVERS WITH BAD CREDIT ON AUTO INSURANCE
|
company
|
Annually
|
Monthly
|
|
USAA
|
$1,126
|
$94
|
|
GEICO
|
$1,208
|
$101
|
|
Allstate
|
$1,408
|
$117
|
|
Country
Financial
|
$1,443
|
$120
|
|
Travelers
|
$1,727
|
$144
|
Alabama's most affordable car insurance for seniors
In Alabama, senior citizens pay more for auto insurance than do middle-aged and young drivers. Seniors in the state pay $1,260 on average year as opposed to the $1,221 paid by other drivers.
The least expensive full-coverage providers in Alabama for senior drivers are:
GEICO: $878 annually
Allstate $923 annually
At an average cost of $709 per year for active duty service members, veterans, and their families, USAA offers the most affordable vehicle insurance for seniors. Nationwide charges an average of $2,025 for senior drivers' auto insurance in Alabama.
CHEAPEST RATES FOR SENIORS ON AUTO INSURANCE
|
company
|
Annually
|
Monthly
|
|
USAA
|
$709
|
$59
|
|
GEICO
|
$878
|
$73
|
|
Allstate
|
$923
|
$77
|
|
Country
Financial
|
$974
|
$81
|
|
Travelers
|
$1,162
|
$97
|
Young Drivers' Cheapest Auto Insurance in Alabama
Due to their inexperience and resulting increased insurance risk, young drivers typically pay higher premiums for auto insurance. A 16-year-old driver in Alabama pays an average of $3,090 annually. A 25-year-old driver's insurance typically costs $1,292 a year.
According to MoneyGeek's investigation, GEICO offers the most affordable car insurance for young drivers in Alabama between the ages of 16 and 25.
ANNUAL CAR INSURANCE FOR YOUNG DRIVERS IN ALABAMA
|
company
|
Average Price
|
Company Price
|
Age
|
|
GEICO
|
$3,090
|
$1,628
|
16
|
|
GEICO
|
$2,913
|
$1,343
|
17
|
|
GEICO
|
$2,654
|
$1,233
|
18
|
|
GEICO
|
$2,515
|
$1,463
|
19
|
|
GEICO
|
$2,250
|
$1,335
|
20
|
Military drivers in Alabama can get affordable auto insurance.
In Alabama, USAA offers the most affordable car insurance, with yearly premiums averaging $304. This is $71 less expensive than GEICO, which came in second. The plans offered by USAA are only intended for military personnel and their families, and they provide particular benefits and coverages for these groups.
$304 on average per year
lowest-ranked of 11 insurers
In addition to being the most economical insurer, USAA provides customers with a variety of discounts. These consist of simple-to-qualify savings like bundling and multi-car reductions. The legacy discount from USAA allows you to save money if you were previously covered by a parent's USAA policy.
Cheapest Auto Insurance by City in Alabama
Your residence in Alabama may also impact the cost of your auto insurance. Drivers in Montgomery, for instance, average pay $1,181 yearly. This represents the lowest full coverage vehicle insurance average cost by city. On the other hand, residents in Mobile pay the highest premiums for a comparable policy, $1,236 on average annually.
ALABAMA'S AVERAGE INSURANCE RATE BY CITY
|
City
|
Annually
|
Monthly
|
|
Birmingham
|
$1,221
|
$102
|
|
Huntsville
|
$1,125
|
$94
|
|
Mobile
|
$1,236
|
$103
|
|
Montgomery
|
$1,181
|
$98
|
Alabama's Car Insurance: What You Should Know
Any registered car in Alabama is required to have liability insurance, under the state's minimal standards (or other proof of financial responsibility). Trailers, government-owned cars, and automobiles covered by a commercial automotive liability insurance policy are a few examples of vehicles that are exempt from the regulation.
- Alabama insurance documentation
- Alabama's Minimum Liability Insurance Requirements
- Insurance alternatives in Alabama
- In Alabama, how much coverage is required?
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