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The Cheapest Car Insurance in Alabama for April 2024

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Alabama isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Alabama is Travelers at $1,719 per year on average, or $143 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Alabama. Meanwhile, the average cost of full coverage car insurance in Alabama is $1,957 per year, or about $163 per month.

Minimum coverage in Alabama is $450 per year on average, but we found you can likely get a cheaper policy. For example, Auto-Owners offers the cheapest rates in Alabama at $343 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Birmingham .

How we chose the cheapest companies in Alabama

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Alabama and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Alabama. For full coverage, we used the below coverage limits:

$100,000 bodily injury liability per person.

$300,000 bodily injury liability per accident.

$50,000 property damage liability per accident.

$100,000 uninsured motorist coverage per person.

$300,000 uninsured motorist coverage per accident.

Collision coverage with a $1,000 deductible.

Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Alabama where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance . Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers , so it's best to shop around to find them.

Cheapest full coverage car insurance in Alabama for 20-year-olds

Drivers in Alabama with clean driving records may want to consider the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Alabama for 20-year-olds

Drivers in Alabama who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

Cheapest auto insurance in Alabama for 20-year-olds with poor credit

Drivers with poor credit in Alabama should look at the following insurers with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts .

Cheapest full coverage car insurance in Alabama for 30-year-olds

Drivers in Alabama who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Alabama for 30-year-olds

Drivers in Alabama who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

Cheapest auto insurance in Alabama for 30-year-olds with poor credit

Drivers with poor credit in Alabama should consider the following companies with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 30-year-old drivers with one at-fault crash

For drivers in Alabama with a recent accident, here are the lowest average rate options for full coverage:

Cheapest auto insurance in Alabama for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance , which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Alabama for 40-year-olds

Drivers in Alabama with clean driving records may want to think about the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Alabama for 40-year-olds

Drivers in Alabama who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

Cheapest auto insurance in Alabama for 40-year-olds with poor credit

Drivers with poor credit in Alabama can check out the following insurers with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Alabama, here are the companies with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Alabama for 50-year-olds

Drivers in Alabama with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

Cheapest minimum coverage car insurance in Alabama for 50-year-olds

Drivers in Alabama who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

Cheapest auto insurance in Alabama for 50-year-olds with poor credit

Drivers with poor credit in Alabama can check with the following companies, which showed the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 50-year-old drivers with one at-fault crash

For drivers living in Alabama with a recent accident, here are the insurers with the lowest average full coverage rates:

Cheapest auto insurance in Alabama for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors , drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Alabama for 60-year-olds

Drivers in Alabama with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Alabama for 60-year-olds

Drivers in Alabama who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Cheapest auto insurance in Alabama for 60-year-olds with poor credit

Drivers with poor credit in Alabama can look at the following companies with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Alabama, here are the companies with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Alabama for 70-year-olds

Drivers in Alabama with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Alabama for 70-year-olds

Drivers in Alabama who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Cheapest auto insurance in Alabama for 70-year-olds with poor credit

Drivers with poor credit in Alabama can look at the following companies with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Alabama, here are the companies with the lowest average rates for minimum coverage:

Cheapest auto insurance in Alabama for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Alabama, here are the companies with the lowest average rates for full coverage:

Cheapest auto insurance in Alabama for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 52 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum car insurance requirements in Alabama

Alabama drivers are required to purchase liability insurance, which kicks in if you cause a crash to pay for others’ injury treatment and property damage.

The minimum limits you must select are:

$25,000 bodily injury liability coverage per person.

$50,000 bodily injury liability coverage per crash.

$25,000 property damage liability coverage per crash.

It’s typically smart to get more than the bare minimum, however, as these limits may not be enough to fully cover costs if the incident is serious.

Visit NerdWallet's guide to car insurance requirements by state for more detail on how the required and optional coverages of your auto policy work.

Alternative car insurance in Alabama

If you’ve been denied car insurance on the voluntary market because of violations, poor credit or other factors, you can apply for coverage through the Alabama Automobile Insurance Plan .

Drivers searching for cheap car insurance in Alabama can also try NerdWallet’s car insurance comparison tool to easily review estimates.

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

$100,000 bodily injury liability per person.

$300,000 bodily injury liability per accident.

$50,000 property damage liability per accident.

$100,000 uninsured motorist coverage per person.

$300,000 uninsured motorist coverage per accident.

Collision coverage with a $1,000 deductible.

Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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