AIG ranks as Alabama's best car insurance company, earning a MoneyGeek score of 4.61 out of 5 for its strong affordability and reliable coverage options. Since insurance needs vary by driver, we also recommend exploring Cincinnati, Auto-Owners, Travelers and GEICO.
Best Car Insurance in Alabama
Updated: August 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Alabama is AIG, ranking first in affordability.
Cincinnati offers the best car insurance for drivers with bad credit or low income in Alabama, providing affordable rates for these specific groups.
To find the best car insurance in Alabama, decide on your coverage needs first, research provider costs and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Alabama
| AIG | 4.61 | $46 | 8 | 6 |
| Cincinnati | 4.57 | $57 | 4 | 3 |
| Auto-Owners | 4.46 | $67 | 1 | 6 |
| Travelers | 4.45 | $67 | 2 | 5 |
| GEICO | 4.22 | $67 | 5 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Alabama by Driver Profile
AIG offers the lowest rates in six out of 10 driver categories in Alabama. Cincinnati provides the best rates for drivers with bad credit and low income, while Travelers leads for young drivers and those with newer cars.
| Young Drivers | Travelers | 3 | 2 | 5 |
| Adult Drivers | AIG | 1 | 8 | 6 |
| Senior Drivers | AIG | 1 | 8 | 6 |
| Drivers With an Accident | AIG | 1 | 8 | 6 |
| Drivers With a DUI | AIG | 1 | 8 | 6 |
| Drivers With a Speeding Ticket | AIG | 1 | 8 | 6 |
| Drivers With Bad Credit | Cincinnati | 1 | 4 | 3 |
| Drivers With Low Income | Cincinnati | 1 | 4 | 3 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 5 |
| Drivers With Old Cars | AIG | 1 | 8 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Alabama Car Insurance Recommendations
Our general recommendations may not match your specific needs. Compare these five top providers to find coverage that fits your personal profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Cincinnati | 4.66 | $187 | 4 | 3 |
| Travelers | 4.41 | $256 | 2 | 5 |
| Country Financial | 4.39 | $160 | 11 | 5 |
| Safeway Insurance | 4.30 | $198 | 10 | 8 |
| Auto-Owners | 4.15 | $315 | 1 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Alabama Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
AIG
Best Cheap Overall in Alabama
MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.2/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$71For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$22For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
3.5/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Cyber Protection Coverage
Cincinnati Insurance
Best Coverage Options in Alabama
MoneyGeek Rating
4.6/ of 5
4.7/5Affordability
4.5/5Customer Experience
4.2/5Coverage Options
Average Monthly Full Coverage Cost
$89For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$26For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.4/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Workmanship Guarantee
How to Find the Best Car Insurance in Alabama
Finding the right car insurance in Alabama doesn't have to be complicated. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on Coverage Needs Before You Buy
It's important to know what coverage you need. Consider your driving habits, location and finances when deciding on insurance while meeting Alabama required minimums.
- 2
Research Average Costs and Discounts
Research average car insurance costs in Alabama to understand typical pricing for your profile. Look into home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also help you save money.
- 3
Evaluate Provider Reputation and Coverage Options
Insurance providers differ beyond their premiums. Research customer experiences to avoid companies with poor claims handling or policy management.
- 4
Explore Alternative Coverage Types
Consider specialized options like non-owner car insurance or pay-per-mile policies that might better suit your situation. If you need an SR-22 in Alabama, remember that provider recommendations may differ.
- 5
Compare Multiple Quotes
Shopping around helps find the cheapest option possible. Get quotes through various channels including independent agents and company websites since rates often vary between different quote methods.
- 6
Review Coverage Annually
Insurance pricing changes frequently due to market conditions. Review your policy each year at renewal time to ensure your coverage still offers the best value for your needs.
Best Alabama Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. AIG is the top-rated company overall, while Cincinnati and Auto-Owners are also good options for drivers in Alabama.
Best Auto Insurance in Alabama: FAQ
Finding the right car insurance depends on your unique needs, so we've answered common questions to help you choose coverage that fits your situation.
What is the best car insurance company in Alabama?
AIG ranks as the best car insurance company in Alabama, earning a MoneyGeek score of 4.6 out of 5 and offering full coverage at an average monthly premium of $71.
What is the best car insurance company for minimum coverage in Alabama?
AIG offers the lowest minimum coverage in Alabama with average rates starting at $262 per year.
What is the best car insurance in Alabama for young drivers?
Travelers provides the best insurance for young adults in Alabama, combining competitive rates of $1,060 annually for minimum coverage with strong customer service ratings.
What is the best car insurance for Alabama drivers who value customer service?
Auto-Owners ranks highest for customer experience in Alabama with a 5 out of 5 score. The company excels in their purchase process, agent interactions, digital tools and claims handling.
What is the best car insurance in Alabama if you have driving offenses?
AIG is the leading choice for Alabama motorists with driving violations. Monthly premiums start at $23 for minimum coverage and $76 for full coverage insurance.
How We Rated the Best Car Insurance in Alabama
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Alabama. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Alabama. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Alabama-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.