BestCar InsuranceAlabamaBest Car Insurance in Alabama (May 2023)
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Cincinnati Insurance is the best car insurance in Alabama for full coverage, minimum coverage, young adults, seniors and drivers with violations. Travelers offers the best policy for those with new cars. USAA is the best option for drivers with a military background.
MoneyGeek also identified the cheapest car insurance in Alabama for those on a budget.
BestCar InsuranceAlabamaBest Car Insurance in Alabama
Best Overall - Cincinnati Insurance
Best for Service - Cincinnati Insurance
Best for Minimum Coverage - Cincinnati Insurance
Best for Young Adults - Cincinnati Insurance
Best for Seniors - Cincinnati Insurance
Best for Driving Offenses - Cincinnati Insurance
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Alabama
Cincinnati Insurance offers the best car insurance in Alabama for a full coverage policy. MoneyGeek found that these companies offer the best full coverage car insurance in Alabama:
- Cincinnati Insurance: MoneyGeek score of 94 out of 100 ($717 per year)
- Nationwide: MoneyGeek score of 90 out of 100 ($709 per year)
Cincinnati Insurance ranks third for affordability and scores highly in claims experience and coverage options.
If you are looking to save on premiums, MoneyGeek also identified the cheapest full coverage auto insurance in Alabama.
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Cincinnati InsuranceBest Overall
Score:94
Cincinnati Insurance is the third cheapest provider for full coverage auto insurance at $717 per year. The insurer also ranks first for customer satisfaction in our comparison group of insurers and offers a wide range of add-on coverages, like glass deductible modification coverage.
More About Cincinnati Insurance
Affordable rates, comprehensive coverage and excellent customer service, make Cincinnati Insurance the best provider for the average driver in Alabama. Policyholders can choose from unique coverage options, such as glass deductible modification coverage, which waives your deductible for glass replacement after a covered loss.
New car replacement coverage is also available for drivers with new cars. This coverage ensures that if your car is less than five years old and suffers a total loss, you will receive a new car of the same make and model. Gap insurance is also available as an add-on for drivers that want to cover the difference between the actual value of the car and the unpaid lease or loan balance.
Basic coverages, like roadside assistance and rental car or travel reimbursement, are also available to cover services like towing and travel expenses incurred while your car is undergoing repairs.
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Cincinnati Insurance
Score:94
Cincinnati Insurance is the third cheapest provider for full coverage auto insurance at $717 per year. The insurer also ranks first for customer satisfaction in our comparison group of insurers and offers a wide range of add-on coverages, like glass deductible modification coverage.
More About Cincinnati Insurance
Affordable rates, comprehensive coverage and excellent customer service, make Cincinnati Insurance the best provider for the average driver in Alabama. Policyholders can choose from unique coverage options, such as glass deductible modification coverage, which waives your deductible for glass replacement after a covered loss.
New car replacement coverage is also available for drivers with new cars. This coverage ensures that if your car is less than five years old and suffers a total loss, you will receive a new car of the same make and model. Gap insurance is also available as an add-on for drivers that want to cover the difference between the actual value of the car and the unpaid lease or loan balance.
Basic coverages, like roadside assistance and rental car or travel reimbursement, are also available to cover services like towing and travel expenses incurred while your car is undergoing repairs.
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Nationwide
Score:90
Nationwide is one of the top two cheapest companies for full coverage in Alabama at an average of $709 per year. Nationwide also received high scores in customer satisfaction and coverages. This provider offers policyholders unique coverages, including identity theft coverage.
More About Nationwide
Nationwide balances affordability and service quality making it one of the top car insurance companies in Alabama. This insurer also offers a broad set of coverage options. If you want to protect yourself against identity fraud, Nationwide offers identity theft coverage. With this add-on, your policy will reimburse you if your identity is stolen and used fraudulently. Nationwide also offers total loss deductible waiver coverage. With this coverage, your policy will cover the cost of the deductible if your car is totaled in an accident or covered incident. For drivers who are leasing or financing their car, Nationwide offers gap insurance coverage which will ensure that the policy pays for the difference between the actual value of the car and the amount owed in case of a total loss. Essential coverages like roadside assistance and rental car or travel reimbursement are also available.
4
Nationwide
Score:90
Nationwide is one of the top two cheapest companies for full coverage in Alabama at an average of $709 per year. Nationwide also received high scores in customer satisfaction and coverages. This provider offers policyholders unique coverages, including identity theft coverage.
More About Nationwide
Nationwide balances affordability and service quality making it one of the top car insurance companies in Alabama. This insurer also offers a broad set of coverage options. If you want to protect yourself against identity fraud, Nationwide offers identity theft coverage. With this add-on, your policy will reimburse you if your identity is stolen and used fraudulently. Nationwide also offers total loss deductible waiver coverage. With this coverage, your policy will cover the cost of the deductible if your car is totaled in an accident or covered incident. For drivers who are leasing or financing their car, Nationwide offers gap insurance coverage which will ensure that the policy pays for the difference between the actual value of the car and the amount owed in case of a total loss. Essential coverages like roadside assistance and rental car or travel reimbursement are also available.
How the Best Insurers in Alabama Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed 10 auto insurance companies in Alabama to identify the best providers. Cincinnati Insurance, the best overall, has the best customer satisfaction scores, but it is not the cheapest option. Nationwide, the cheapest option, has low scores for customer satisfaction and claims, earning an overall MoneyGeek score of 90 out of 100. The least affordable option overall is Progressive at $1,233 per year. This insurer, while expensive, has fair scores for coverage options and financial stability ratings. MoneyGeek ranked providers based on rates for a full coverage policy and only included companies with sufficient data for all scoring criteria.
Best Car Insurance in Alabama for Customer Service
Cincinnati Insurance is the best car insurance in Alabama for customer service. We analyzed the best companies for customer service without factoring in cost and found that the top companies are:
- Cincinnati Insurance: MoneyGeek score of 93 out of 100 ($717 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 92 out of 100 ($986 per year)
Cincinnati Insurance has the highest customer satisfaction and coverage scores of the evaluated insurers. The insurer has the second cheapest rates, making it an extremely affordable option.
pros
Ranks second for affordability
Ranks first for customer satisfaction
Offers a broad set of coverages
cons
No accident forgiveness coverage
COMPANY HIGHLIGHTS
Cincinnati Insurance offers a combination of excellent customer service, broad coverage options and affordable rates. Policyholders can choose from a range of unique coverage options, including glass deductible modification, which pays for glass replacement after a covered loss without requiring a deductible.
Cincinnati Insurance offers general deductible waiver coverage, which ensures that in case of a total loss, any applicable deductible is waived. Drivers with new cars can get new car replacement coverage which will reimburse the driver with a new car of the same make and model if their vehicle gets totaled.
Cincinnati Insurance also offers roadside assistance to pay for the cost of services such as towing or gas delivery when your car breaks down. You can also opt for rental car or travel reimbursement coverage to get compensated for travel expenses incurred while your car is being repaired.
What Makes an Insurer the Best for Customer Service?
Insurance companies with good customer service will typically have an excellent track record of handling complaints and claims, as indicated by their J.D. Power score. Cincinnati Insurance received a near-perfect score for customer satisfaction, showing that it is likely to respond favorably to customers’ claims.
Best Car Insurance in Alabama for Minimum Coverage
Cincinnati Insurance offers the best minimum coverage car insurance in Alabama. For this category, we rated insurers based on affordability and service quality for policies that meet Alabama’s minimum coverage requirements.
The two best providers for minimum coverage policies in Alabama are:
- Cincinnati Insurance: MoneyGeek score of 95 out of 100 ($201 per year)
- Country Financial: MoneyGeek score of 88 out of 100 ($274 per year)
Cincinnati Insurance outscored all of the evaluated providers in affordability and customer satisfaction.
Cheap minimum coverage auto insurance in Alabama is the most affordable option if you want cheap rates. However, these policies have limited liability coverage and don’t cover damages to your vehicle.
pros
Affordable minimum coverage at $201 per year
Offers discounts for bundling, insuring multiple cars, safe driving and installing anti-lock brakes
Ranks first for customer satisfaction
cons
No discount for defensive driving
COMPANY HIGHLIGHTS
Cincinnati Insurance offers the most affordable minimum coverage car insurance in Alabama. This provider also ranks first out of ten insurers for customer service, making it an ideal choice for those that want an affordable car insurance policy without sacrificing quality customer service.
Policyholders can save even more on their premiums by taking advantage of discounts like bundling discounts, multiple car discounts, safe driving and good student discounts. Cincinnati Insurance also offers less common discounts, such as the anti-lock brakes discount, which is available to drivers that install and maintain safety equipment. Compared to other providers, Cincinnati Insurance has the best claims score, meaning they’re more likely to honor customer claims than other insurers.
What Makes an Insurer the Best for Minimum Coverage?
Insurance companies that offer good minimum coverage policies feature policies with the minimum liability requirements in Alabama, offer competitive rates and provide quality customer service.
Cincinnati Insurance is our top pick for this category since they are the cheapest provider, and they scored highest in customer service. While this isn’t always the case, Cincinnati Insurance is both the best and cheapest provider for minimum coverage.
Best Car Insurance in Alabama for Young Adults
Cincinnati Insurance offers the best car insurance for young adults in Alabama. MoneyGeek analyzed providers based on affordability and service quality of full coverage policies for drivers in their 20s and found that the best providers are:
- Cincinnati Insurance: MoneyGeek score of 94 out of 100 ($885 per year)
- Nationwide: MoneyGeek score of 90 out of 100 ($981 per year)
Cincinnati Insurance stands out for having the highest customer satisfaction ratings and ranking second for affordability.
Young adults pay less than teens for car insurance, but they pay more than older drivers. If you are on a budget, shopping around will help you find the cheapest car insurance for young drivers in Alabama.
pros
Relatively affordable at $885 per year
Offers good student discount
Ranked first for customer satisfaction
cons
No discounts for drivers education or distant student
COMPANY HIGHLIGHTS
Cincinnati Insurance offers great customer service, ranking first overall in the comparison group. This insurer also ranks second for affordability and ties first for coverage, so young adults get a great combination of quality coverage at reasonable rates.
Drivers in their 20s who are students may be eligible for a good student discount which rewards students who maintain a B or higher grade-point average.
Policyholders can choose from a broad range of add-on coverage options, including gap insurance, which helps to pay for the difference between the actual market value of the car and the amount owed on it if the car gets totaled. Drivers can also get glass deductible modification coverage which pays to replace damaged windshields or windows without requiring payment of a deductible.
What Makes an Insurer the Best for Young Adults?
Young adults should look for a car insurance policy that offers good customer service, discount opportunities and affordable rates.
MoneyGeek picked Cincinnati Insurance as the best company for young adults based on its customer service ratings and affordability. This provider also offers comprehensive coverage and discounts tailored for young drivers, like the good student discount.
Best Car Insurance in Alabama for Seniors
Cincinnati Insurance offers the best car insurance in Alabama for senior drivers. We reviewed insurers based on affordability and service quality of full coverage policies for seniors. The best companies are:
- Cincinnati Insurance: MoneyGeek score of 95 out of 100 ($581 per year)
- Nationwide: MoneyGeek score of 90 out of 100 ($679 per year)
Cincinnati Insurance stands out for having the highest customer satisfaction and affordability scores. Car insurance rates for drivers in their 60s are similar to those for drivers between the ages of 30 and 50. However, after 70, rates increase.
You can find the cheapest car insurance for seniors in Alabama by comparing quotes.
pros
Affordable policies for seniors at $581 per year
Offers glass deductible modification coverage
Ranks first for customer satisfaction
cons
No seniors discount
COMPANY HIGHLIGHTS
Cincinnati Insurance scores highly in affordability and customer satisfaction, offering senior drivers in Alabama a great balance of cost and service quality. This provider also offers a wide range of coverage options to suit different needs.
Seniors can get roadside assistance coverage as an add-on option. This coverage pays for the cost of services such as tows, jumpstarts or gas delivery in case your car breaks down. You can also get reimbursed for your travel expenses while your car is in the shop for repairs if you get the rental car or travel reimbursement coverage.
Drivers can also opt for glass deductible modification coverage, which will cover the cost of damages to windows and windshields without requiring a deductible. General deductible waiver coverage is also available.
What Makes an Insurer the Best for Seniors?
A good car insurance policy for seniors should be affordable and offer comprehensive coverage since seniors may be more likely to get in an accident. You should also look out for discounts tailored for seniors, like defensive driving.
Cincinnati Insurance emerged as the best option for seniors based on their stellar customer service record and affordability rating. They also offer defensive driving discounts and a wide range of coverage options.
Best Car Insurance in Alabama for Drivers With Offenses
Cincinnati Insurance is the best car insurance in Alabama for drivers with offenses. For this category, we reviewed affordability and service quality for full coverage policies for drivers with speeding tickets, at-fault accidents and/or DUIs.
The top insurers for drivers with violations are:
- Cincinnati Insurance: MoneyGeek score of 91 out of 100 ($1,264 per year)
- Country Financial: MoneyGeek score of 91 out of 100 ($1,048 per year)
Cincinnati Insurance ranked first out of 10 providers for customer satisfaction and claims experience. In Alabama, drivers with violations pay more than those without. You’ll pay $334 more with an at-fault accident, $451 more with a DUI and $153 more with a speeding ticket. Shopping around will help you find cheap car insurance after an incident in Alabama.
pros
Offers roadside assistance and rental car reimbursement coverage
Offers new car replacement coverage
Ranks first for customer satisfaction
cons
Relatively expensive at $1,264 per year
No accident forgiveness coverage
COMPANY HIGHLIGHTS
Cincinnati Insurance ranked first out of ten providers for customer satisfaction and claims experience. Although it is not among the cheapest options, Cincinnati Insurance offers a range of coverage options to suit different needs.
Cincinnati Insurance offers roadside assistance coverage to pay for services such as gas delivery or towing which can come in handy if your car breaks down and you’re stranded. You can also opt for rental car or travel reimbursement coverage to cover travel expenses incurred while your vehicle is getting repaired.
Drivers with new cars have the option to get new car replacement coverage. This coverage will pay for the cost of replacing a totaled car with a brand-new car of the same make and model.
What Makes an Insurer the Best for Drivers With Offenses?
Good car insurance providers for drivers with offenses should offer relatively affordable policies and discount opportunities since rates already tend to be higher for those with violations. It is also important to consider the availability of coverage options, like roadside assistance and accident forgiveness.
Despite not being the cheapest, Cincinnati Insurance is our top choice based on its excellent claims and customer satisfaction ratings. These features are especially helpful for policyholders that may file additional claims.
Best Car Insurance in Alabama for Drivers With New Cars
Travelers is the best option for car insurance in Alabama if you have a new car. We identified the best providers in this category based on cost, service quality and availability of new car replacement or better car replacement coverage for drivers with a 2022 model car. The best companies are:
- Travelers: MoneyGeek score of 91 out of 100 ($909 per year)
- Allstate: MoneyGeek score of 82 out of 100 ($1,115 per year)
Travelers ranked first for affordability and claims experience. New car replacement coverage is important if you have a new car since it ensures that if your new car is totaled, you will be compensated with a brand-new car of the same make and model.
pros
Most affordable option at $909 per year
Offers new car replacement coverage
Ranks second for customer satisfaction
cons
Average claims rating score
COMPANY HIGHLIGHTS
Travelers ranked first for affordability and second for customer satisfaction. This makes it a good option if you are looking for a balance of affordability and quality service.
For drivers with new cars, new car replacement coverage helps to protect your investment by ensuring that in case of a total loss, you will be compensated with a brand-new car of the same make and model. This means that the insurer will not factor in depreciation when replacing your totaled car.
Travelers also offers accident forgiveness as an optional add-on coverage. This ensures that within a specified period, your premiums won’t increase after your first at-fault accident. Gap insurance is also available if your vehicle is financed or leased. This coverage pays for the difference between the actual cash value of the vehicle and the unpaid amount on the loan or lease.
What Makes an Insurer the Best for Drivers With New Cars?
A good policy for drivers with new cars should include coverages, like new or better car replacement coverage, which cater to drivers that have new vehicles.
Travelers stood out in this category for their affordability and customer service ratings. They also offer new car replacement coverage for drivers with cars less than five years old.
Best Car Insurance in Alabama for Military Drivers
USAA is the best car insurance company in Alabama for drivers with a military background. The insurer’s full coverage policies cost an average of $651 per year. USAA received a high MoneyGeek score of 94 out of 100.
pros
Cheapest option at $651 per year
Offers accident forgiveness
Ranks first for customer satisfaction
cons
Limited coverage options
COMPANY HIGHLIGHTS
USAA offers the most affordable rates for full coverage policies if you have a military background. It also has the highest customer satisfaction scores — policyholders can expect excellent service at budget-friendly rates.
USAA offers policyholders optional accident forgiveness coverage. With this coverage, your premium won’t increase after your first at-fault accident within a specified period. You can also get roadside assistance coverage to cover services like towing or gas delivery if your car breaks down.
The insurer has rental car or travel reimbursement coverage to pay for travel expenses incurred when your car is being repaired following a covered incident. Discounts, like the military discount for drivers that store their cars on base, can help reduce the cost of your premium.
How to Find the Best Car Insurance in Alabama for You
It’s important to consider cost, customer service and financial stability when shopping for car insurance in Alabama. MoneyGeek’s guide is a great resource, but you may be able to find the ideal lender for your needs through personal research.
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Research customer service reputations in Alabama
MoneyGeek collected data on customer service ratings for different insurers. However, you can look up customer service ratings directly by reviewing J.D. Power and NAIC complaint ratios in your state. We also recommend looking for information on the Alabama Department of Insurance website.
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Compare quotes
MoneyGeek’s analysis is based on quotes for sample drivers in most of Alabama, but rates can vary based on your profile and specific location. To get an accurate estimate of how much your car insurance should cost, we recommend comparing quotes from at least three providers.
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Find the coverages you want in Alabama
Because insurers are allowed to advertise coverages and discounts that may not be available in your state, it’s important to check that the policy features are actually available. Reach out to the insurer directly if you have questions.
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Check financial stability ratings
An insurer's financial strength is a good indicator of their ability to honor their obligations. Always check an insurer’s financial strength rating before choosing a provider. Large insurance companies typically have higher financial strength ratings, while regional companies in Alabama may have lower ratings.
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FAQs About the Best Car Insurance in Alabama
The best car insurance in Alabama for you will depend on your profile and coverage needs. We answered the most frequently asked questions to help you learn more.
About Mark Fitzpatrick
