Car Insurance in Alabama: How to Find the Policy That Fits You
MoneyGeek analyzed different solutions for all your car insurance needs in Alabama.
- I’m in Alabama and I’m looking to find either the cheapest car insurance, the best service and claims experience or a balance of quality and affordability.
- I’m looking to get an Alabama car insurance quote or estimate now.
- I want to learn more about how much car insurance is required in Alabama.
- I want to learn more about specialty insurance policies for those with low income, those who don’t own a car or those who only need car insurance temporarily.
Find the Best or Cheapest Car Insurance in Alabama
MoneyGeek researched car insurance in Alabama and compiled quotes from different insurance companies to find the cheapest option in the state. We also ranked the best companies that balance affordability and cost using our unique scoring system.
MoneyGeek broke down the cost of a car insurance policy by factors like age, driving record and more to help you figure out your overall insurance expenses.
MoneyGeek’s resources above explain the cheapest and best car insurance for specific types of drivers. The table below offers a quick summary of what you can expect to find. Unless otherwise noted, all of our recommendations are for a full coverage policy.
- Minimum liability: GEICO
- Full coverage: GEICO
- Drivers with a DUI: Allstate
- After an accident: USAA
- Drivers with a ticket: Allstate
- Drivers with bad credit: GEICO
- Senior drivers: GEICO
- Student drivers: GEICO
- Overall: GEICO
- Customer Service: ALFA
- On a Budget: GEICO
- Poor Driving Record: GEICO
- Military: USAA
- Young Drivers: GEICO
- New Cars: Allstate
- Low-Mileage Drivers: Nationwide
Get an Alabama Car Insurance Quote
MoneyGeek’s analysis shows that the cost of car insurance in Alabama can differ by as much as $1,100 per year for the same driver across different companies. Shopping around and comparing quotes from different insurers can help you save money. It doesn’t take long to get a quote.
Car Insurance Laws in Alabama
MoneyGeek provides you with all the resources you need in order to understand the car insurance laws and requirements in Alabama. We found out that every driver in the state is required to have an auto insurance policy with the following liability coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Since state law does not require comprehensive and collision insurance and only mandates low levels of liability coverage, the insurance coverage you need in Alabama could be different from the insurance coverage you should get.
In Alabama, the state law requires high-risk drivers, like those with a DUI on their record, to file a form to show proof of insurance called an SR-22. MoneyGeek can help you understand how to file an SR-22 in Alabama and how it affects your insurance costs.
Specialty Car Insurance in Alabama
Traditional car insurance may not always fit your needs. That's why MoneyGeek evaluated alternative forms of car insurance, like non-owner car insurance, temporary car insurance and low-income car insurance, to help you purchase the right insurance for your needs.
Learn more about these unique car insurance types in Alabama below.
MoneyGeek Specialty Car Insurance Resources
Non-owner car insurance
Non-owner car insurance in Alabama may be a good option for you if you need proof of insurance but don’t own a car.
Temporary car insurance
It’s best to get temporary car insurance in Alabama by buying and canceling a policy early or opting for rental car insurance if you rent cars often or only have a car for a short period.
Car insurance for low-income drivers
While most states don’t offer programs for low-income drivers, MoneyGeek can help you figure out ways to get cheap insurance in Alabama.
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