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Cincinnati Insurance offers the cheapest full and minimum coverage policy. MoneyGeek also found that State Farm, Nationwide and Travelers were the most affordable for certain types of drivers in Alabama.

The companies providing the best car insurance in Alabama have been ranked based on their balance of quality service and affordability.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Alabama (September 2023)

MoneyGeek's research found the cheapest auto insurance companies in Alabama for minimum coverage to be:

  • Cincinnati Insurance: $252 per year
  • State Farm: $275 per year

With an average yearly premium of $529, Allstate offers the costliest minimum coverage insurance in Alabama.

Alabama's minimum insurance policies only include property damage liability (PDL) and bodily injury liability (BIL) coverage.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$220

$18

Cincinnati Insurance

$252

$21

State Farm

$263

$22

State Farm

$275

$23

Cincinnati Insurance

$322

$27

Country Financial

$331

$28

Country Financial

$336

$28

State Farm

$341

$28

Auto-Owners Insurance Co

$397

$33

Travelers

$410

$34

Auto-Owners Insurance Co

$413

$34

Travelers

$436

$36

Travelers

$461

$38

Country Financial

$467

$39

Nationwide

$474

$40

GEICO

$478

$40

Progressive

$479

$40

Nationwide

$484

$40

Farmers

$489

$41

GEICO

$504

$42

Progressive

$505

$42

Farmers

$508

$42

Allstate

$529

$44

Auto-Owners Insurance Co

$540

$45

Allstate

$570

$47

GEICO

$577

$48

Allstate

$587

$49

Farmers

$599

$50

Progressive

$632

$53

Cincinnati Insurance

$654

$55

Nationwide

$664

$55

State Farm

$689

$57

State Farm

$751

$63

Nationwide

$796

$66

Country Financial

$802

$67

Cincinnati Insurance

$805

$67

Travelers

$847

$71

Nationwide

$863

$72

Travelers

$871

$73

Country Financial

$877

$73

Farmers

$920

$77

State Farm

$973

$81

Farmers

$977

$81

Cincinnati Insurance

$994

$83

GEICO

$998

$83

Travelers

$1,024

$85

GEICO

$1,037

$86

Allstate

$1,037

$86

Auto-Owners Insurance Co

$1,041

$87

Auto-Owners Insurance Co

$1,076

$90

Allstate

$1,113

$93

Country Financial

$1,159

$97

Nationwide

$1,162

$97

Allstate

$1,173

$98

Farmers

$1,179

$98

Progressive

$1,264

$105

GEICO

$1,283

$107

Progressive

$1,290

$107

Auto-Owners Insurance Co

$1,514

$126

Progressive

$1,779

$148

A minimum coverage policy covers only the expense for damage or injury you cause to others, not your own vehicle. Consider purchasing comprehensive and collision insurance, also known as a full coverage policy, which expands coverage to your car.

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Cheapest Full Coverage Car Insurance in Alabama (September 2023)

In Alabama, the following companies offer full coverage auto insurance at the lowest rates:

  • State Farm: $751 per year
  • Cincinnati Insurance: $805 per year

Progressive's annual premium for full coverage in Alabama is around $1,264, the state's highest.

Your annual premium increases when you add comprehensive and collision insurance to your policy. For instance, State Farm charges $499 more for full coverage than minimum coverage.

Full coverage auto insurance affords you better financial protection. It covers losses from off-road occurrences (like storm damage and flooding) and on-road collisions (with another vehicle or object).

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$220

$18

Cincinnati Insurance

$252

$21

State Farm

$263

$22

State Farm

$275

$23

Cincinnati Insurance

$322

$27

Country Financial

$331

$28

Country Financial

$336

$28

State Farm

$341

$28

Auto-Owners Insurance Co

$397

$33

Travelers

$410

$34

Auto-Owners Insurance Co

$413

$34

Travelers

$436

$36

Travelers

$461

$38

Country Financial

$467

$39

Nationwide

$474

$40

GEICO

$478

$40

Progressive

$479

$40

Nationwide

$484

$40

Farmers

$489

$41

GEICO

$504

$42

Progressive

$505

$42

Farmers

$508

$42

Allstate

$529

$44

Auto-Owners Insurance Co

$540

$45

Allstate

$570

$47

GEICO

$577

$48

Allstate

$587

$49

Farmers

$599

$50

Progressive

$632

$53

Cincinnati Insurance

$654

$55

Nationwide

$664

$55

State Farm

$689

$57

State Farm

$751

$63

Nationwide

$796

$66

Country Financial

$802

$67

Cincinnati Insurance

$805

$67

Travelers

$847

$71

Nationwide

$863

$72

Travelers

$871

$73

Country Financial

$877

$73

Farmers

$920

$77

State Farm

$973

$81

Farmers

$977

$81

Cincinnati Insurance

$994

$83

GEICO

$998

$83

Travelers

$1,024

$85

GEICO

$1,037

$86

Allstate

$1,037

$86

Auto-Owners Insurance Co

$1,041

$87

Auto-Owners Insurance Co

$1,076

$90

Allstate

$1,113

$93

Country Financial

$1,159

$97

Nationwide

$1,162

$97

Allstate

$1,173

$98

Farmers

$1,179

$98

Progressive

$1,264

$105

GEICO

$1,283

$107

Progressive

$1,290

$107

Auto-Owners Insurance Co

$1,514

$126

Progressive

$1,779

$148

Your rates will vary substantially depending on how much coverage you require. MoneyGeek’s sample full coverage policy offers the following:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

Alabama's drivers can save by selecting lower liability limits and higher deductibles or forgoing comprehensive and collision insurance. Unfortunately, decreasing the limits puts you at risk of having inadequate coverage in the event of an accident.

How to Compare Cheap Alabama Car Insurance Quotes Online

Many providers offer online auto insurance quote estimates, which generally take up to 15 minutes and often require you to disclose sensitive information. If you’re researching numerous insurers, this can be a time-consuming hassle.

Instead of submitting your personal information to several insurers, use MoneyGeek's car insurance calculator to get a quick estimate of how much your car insurance costs in Alabama. Enter your age, gender and driving history from the options below to get started.

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Cheapest Car Insurance in Alabama by Age (September 2023)

Car insurance rates in Alabama are highly affected by the age factor. Depending on the age group of you and your family, Allstate, State Farm or Cincinnati Insurance on average are the most affordable.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: State Farm
Cheapest for seniors: Cincinnati Insurance

Cheapest Car Insurance in Alabama for Teens and Their Families (September 2023)

Alabama's parents who want to add their teens to their auto policy will find the following companies to be the cheapest:

  • Allstate: $1,862 per year for male teens and $1,765 per year for female teens
  • GEICO: $1,879 per year for male teens and $1,764 per year for female teens

Auto-Owners Insurance costs the most for teen females at $3,457 per year, whereas State Farm charges the most for teen males at $3,900 yearly on average.

In Alabama and everywhere else in the U.S., teens' car insurance rates diminish with age, leaving a significant premium difference between 16- and 19-year-old drivers' premiums. GEICO ($1,429 per year) offers the most affordable car insurance rate for 19-year-old male drivers in this state.

These charges apply to a 16-year-old insured under a parent's plan. Adding a teen to your insurance typically costs much less than purchasing a separate policy. Individual plans for a 16-year-old driver from Alabama may cost roughly $5,869 per year compared with $2,769 when added to a parent's car insurance. That’s a $3,100 premium difference.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$724

$2,214

Travelers

$904

$1,127

Travelers

$933

$1,176

GEICO

$990

$3,252

Allstate

$1,002

$2,749

Travelers

$1,012

$1,262

Nationwide

$1,019

$1,463

Nationwide

$1,022

$1,606

Farmers

$1,035

$1,408

Nationwide

$1,036

$1,080

Allstate

$1,036

$1,003

Travelers

$1,043

$1,300

GEICO

$1,044

$1,135

Allstate

$1,047

$1,277

Nationwide

$1,053

$1,158

GEICO

$1,054

$3,460

GEICO

$1,061

$1,197

GEICO

$1,063

$1,157

Travelers

$1,064

$1,341

Allstate

$1,077

$1,043

Allstate

$1,082

$1,007

Travelers

$1,086

$1,507

GEICO

$1,089

$1,229

Farmers

$1,109

$1,554

Travelers

$1,113

$1,387

GEICO

$1,128

$1,227

Travelers

$1,142

$1,439

GEICO

$1,145

$3,501

GEICO

$1,145

$1,293

Allstate

$1,150

$1,403

GEICO

$1,159

$1,462

Allstate

$1,166

$1,129

GEICO

$1,171

$1,484

Allstate

$1,177

$1,095

GEICO

$1,181

$1,332

Nationwide

$1,187

$1,237

GEICO

$1,210

$1,316

Nationwide

$1,226

$1,349

Allstate

$1,227

$1,497

GEICO

$1,244

$1,576

Travelers

$1,245

$1,757

Nationwide

$1,245

$1,297

Allstate

$1,252

$3,061

Travelers

$1,255

$1,582

Travelers

$1,265

$1,757

Allstate

$1,276

$1,187

Allstate

$1,280

$1,239

Nationwide

$1,287

$1,415

Travelers

$1,299

$2,520

GEICO

$1,300

$1,640

Nationwide

$1,317

$1,372

Allstate

$1,336

$3,667

GEICO

$1,362

$1,726

Nationwide

$1,367

$1,503

Allstate

$1,368

$1,273

GEICO

$1,429

$1,803

Allstate

$1,432

$1,747

State Farm

$1,435

$1,207

Allstate

$1,443

$1,760

Travelers

$1,462

$2,030

Travelers

$1,470

$2,076

Auto-Owners Insurance Co

$1,496

$1,451

Allstate

$1,556

$1,899

Nationwide

$1,559

$2,237

Travelers

$1,563

$3,091

State Farm

$1,591

$1,338

Travelers

$1,602

$3,107

Nationwide

$1,602

$2,516

State Farm

$1,603

$1,348

Allstate

$1,614

$3,946

Auto-Owners Insurance Co

$1,646

$1,511

Auto-Owners Insurance Co

$1,663

$1,613

Auto-Owners Insurance Co

$1,703

$1,564

Nationwide

$1,707

$2,450

Nationwide

$1,727

$3,252

State Farm

$1,732

$1,457

Travelers

$1,732

$2,446

Farmers

$1,755

$5,691

GEICO

$1,764

$5,791

Allstate

$1,765

$4,842

Auto-Owners Insurance Co

$1,781

$1,726

State Farm

$1,806

$1,519

Auto-Owners Insurance Co

$1,808

$1,660

Farmers

$1,810

$1,241

State Farm

$1,822

$1,748

Auto-Owners Insurance Co

$1,834

$2,213

Nationwide

$1,837

$3,459

Nationwide

$1,840

$2,890

Farmers

$1,844

$1,264

Farmers

$1,846

$1,266

Farmers

$1,849

$6,160

Farmers

$1,853

$1,327

Progressive

$1,861

$2,448

Allstate

$1,862

$4,554

Progressive

$1,870

$1,900

GEICO

$1,879

$5,749

Farmers

$1,881

$1,348

Nationwide

$1,887

$3,800

Farmers

$1,895

$2,577

Nationwide

$1,909

$3,595

Farmers

$1,911

$1,369

State Farm

$1,921

$1,615

Farmers

$1,934

$6,270

Auto-Owners Insurance Co

$1,953

$1,925

Auto-Owners Insurance Co

$1,956

$1,796

Farmers

$1,958

$1,342

Travelers

$1,962

$3,881

Progressive

$1,968

$1,835

Farmers

$1,988

$2,785

State Farm

$1,991

$1,675

Nationwide

$2,008

$4,044

Auto-Owners Insurance Co

$2,012

$1,950

Farmers

$2,036

$2,769

Farmers

$2,048

$6,826

Farmers

$2,067

$1,481

State Farm

$2,086

$2,001

Nationwide

$2,090

$4,209

Progressive

$2,090

$2,123

Farmers

$2,122

$2,972

Travelers

$2,126

$4,123

Auto-Owners Insurance Co

$2,132

$2,573

Progressive

$2,147

$2,001

Auto-Owners Insurance Co

$2,150

$2,120

State Farm

$2,193

$2,098

Progressive

$2,213

$2,972

State Farm

$2,250

$1,892

Progressive

$2,284

$2,129

Progressive

$2,317

$2,354

State Farm

$2,351

$2,255

State Farm

$2,374

$2,577

Auto-Owners Insurance Co

$2,390

$2,357

Progressive

$2,432

$2,267

Auto-Owners Insurance Co

$2,457

$2,964

Farmers

$2,527

$8,192

Progressive

$2,565

$2,606

State Farm

$2,572

$2,460

Progressive

$2,609

$3,430

Travelers

$2,670

$5,281

Farmers

$2,687

$8,952

State Farm

$2,709

$2,941

Auto-Owners Insurance Co

$2,832

$3,476

Progressive

$2,878

$8,071

Progressive

$2,885

$3,875

State Farm

$2,940

$2,812

Auto-Owners Insurance Co

$2,950

$2,636

Progressive

$2,974

$3,910

State Farm

$2,994

$3,217

State Farm

$3,084

$3,348

Progressive

$3,139

$8,803

Progressive

$3,208

$8,943

Auto-Owners Insurance Co

$3,236

$3,972

Auto-Owners Insurance Co

$3,239

$2,894

Progressive

$3,296

$9,242

Progressive

$3,316

$4,454

State Farm

$3,424

$3,679

Progressive

$3,424

$9,548

Auto-Owners Insurance Co

$3,457

$3,089

Progressive

$3,614

$10,076

Auto-Owners Insurance Co

$3,642

$4,470

State Farm

$3,900

$4,190

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Although GEICO and Nationwide do not provide distant student discounts, all the Alabama insurers we evaluated offer discounts to students with good grades.

Cheapest Car Insurance in Alabama for Young Adults (September 2023)

These are the cheapest auto insurance providers for Alabama drivers in their 20s:

  • State Farm: $973 per year
  • Cincinnati Insurance: $994 per year

With an average annual premium of $1,779, Progressive offers the most expensive insurance for young individuals.

In Alabama, drivers in their 20s pay an average of $222 more per year for auto insurance than people in their 40s with their respective cheapest providers.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$220

$18

Cincinnati Insurance

$252

$21

State Farm

$263

$22

State Farm

$275

$23

Cincinnati Insurance

$322

$27

Country Financial

$331

$28

Country Financial

$336

$28

State Farm

$341

$28

Auto-Owners Insurance Co

$397

$33

Travelers

$410

$34

Auto-Owners Insurance Co

$413

$34

Travelers

$436

$36

Travelers

$461

$38

Country Financial

$467

$39

Nationwide

$474

$40

GEICO

$478

$40

Progressive

$479

$40

Nationwide

$484

$40

Farmers

$489

$41

GEICO

$504

$42

Progressive

$505

$42

Farmers

$508

$42

Allstate

$529

$44

Auto-Owners Insurance Co

$540

$45

Allstate

$570

$47

GEICO

$577

$48

Allstate

$587

$49

Farmers

$599

$50

Progressive

$632

$53

Cincinnati Insurance

$654

$55

Nationwide

$664

$55

State Farm

$689

$57

State Farm

$751

$63

Nationwide

$796

$66

Country Financial

$802

$67

Cincinnati Insurance

$805

$67

Travelers

$847

$71

Nationwide

$863

$72

Travelers

$871

$73

Country Financial

$877

$73

Farmers

$920

$77

State Farm

$973

$81

Farmers

$977

$81

Cincinnati Insurance

$994

$83

GEICO

$998

$83

Travelers

$1,024

$85

GEICO

$1,037

$86

Allstate

$1,037

$86

Auto-Owners Insurance Co

$1,041

$87

Auto-Owners Insurance Co

$1,076

$90

Allstate

$1,113

$93

Country Financial

$1,159

$97

Nationwide

$1,162

$97

Allstate

$1,173

$98

Farmers

$1,179

$98

Progressive

$1,264

$105

GEICO

$1,283

$107

Progressive

$1,290

$107

Auto-Owners Insurance Co

$1,514

$126

Progressive

$1,779

$148

Cheapest Car Insurance in Alabama for Seniors (September 2023)

The following insurers provide the lowest rates for senior drivers in Alabama:

  • Cincinnati Insurance: $654 per year
  • State Farm: $689 per year

At around $1,290 per year, Progressive is the costliest for seniors in the state.

Compared with drivers in their 40s and 50s, senior drivers in Alabama pay around $97 less annually on average for car insurance with the cheapest providers. However, when drivers approach their 70s and 80s, rates often rise.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$220

$18

Cincinnati Insurance

$252

$21

State Farm

$263

$22

State Farm

$275

$23

Cincinnati Insurance

$322

$27

Country Financial

$331

$28

Country Financial

$336

$28

State Farm

$341

$28

Auto-Owners Insurance Co

$397

$33

Travelers

$410

$34

Auto-Owners Insurance Co

$413

$34

Travelers

$436

$36

Travelers

$461

$38

Country Financial

$467

$39

Nationwide

$474

$40

GEICO

$478

$40

Progressive

$479

$40

Nationwide

$484

$40

Farmers

$489

$41

GEICO

$504

$42

Progressive

$505

$42

Farmers

$508

$42

Allstate

$529

$44

Auto-Owners Insurance Co

$540

$45

Allstate

$570

$47

GEICO

$577

$48

Allstate

$587

$49

Farmers

$599

$50

Progressive

$632

$53

Cincinnati Insurance

$654

$55

Nationwide

$664

$55

State Farm

$689

$57

State Farm

$751

$63

Nationwide

$796

$66

Country Financial

$802

$67

Cincinnati Insurance

$805

$67

Travelers

$847

$71

Nationwide

$863

$72

Travelers

$871

$73

Country Financial

$877

$73

Farmers

$920

$77

State Farm

$973

$81

Farmers

$977

$81

Cincinnati Insurance

$994

$83

GEICO

$998

$83

Travelers

$1,024

$85

GEICO

$1,037

$86

Allstate

$1,037

$86

Auto-Owners Insurance Co

$1,041

$87

Auto-Owners Insurance Co

$1,076

$90

Allstate

$1,113

$93

Country Financial

$1,159

$97

Nationwide

$1,162

$97

Allstate

$1,173

$98

Farmers

$1,179

$98

Progressive

$1,264

$105

GEICO

$1,283

$107

Progressive

$1,290

$107

Auto-Owners Insurance Co

$1,514

$126

Progressive

$1,779

$148

MoneyGeek found that Allstate, GEICO and Farmers are among the insurers in Alabama that provide discounts to seniors. Insurance companies consider age when calculating premiums, so it's wise to compare quotes from different providers to obtain the best offer.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

In Alabama, State Farm has the lowest rates for drivers with DUIs, those with an accident history, and people with tickets. Nartionwide is the cheapest for people with poor credit. Travelers is most affordable for sports car owners.

Drivers who have accrued moving offenses may find that their insurance premiums increase. It is possible to improve your driving history over time and access cheaper insurance alternatives by enrolling in a state-approved driver's education program and maintaining safe driving practices.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: State Farm ($828 per year)
Cheapest after an accident: State Farm ($935 per year)
Cheapest after a DUI: State Farm ($828 per year)
Cheapest for poor credit: Nationwide ($1,254 per year)
Cheapest for sports cars: Travelers ($854 per year)

Cheapest Car Insurance in Alabama After a Ticket

Most Alabama drivers who receive a speeding ticket can find the most affordable full coverage policy with the following insurers:

  • State Farm: $828 per year
  • Cincinnati Insurance: $957 per year

At around $1,791 a year, Progressive is the most expensive provider. If you get a speeding ticket in Alabama, your insurance premiums might increase by as much as $236, on average.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$260

$22

State Farm

$293

$24

Cincinnati Insurance

$302

$25

State Farm

$311

$26

State Farm

$379

$32

Cincinnati Insurance

$383

$32

Country Financial

$453

$38

Country Financial

$460

$38

Auto-Owners Insurance Co

$465

$39

Auto-Owners Insurance Co

$475

$40

Travelers

$543

$45

GEICO

$551

$46

Nationwide

$564

$47

Travelers

$568

$47

Nationwide

$575

$48

GEICO

$583

$49

Allstate

$600

$50

Farmers

$603

$50

Travelers

$619

$52

Auto-Owners Insurance Co

$621

$52

Allstate

$628

$52

Country Financial

$640

$53

Progressive

$651

$54

Allstate

$651

$54

Farmers

$669

$56

GEICO

$672

$56

Progressive

$682

$57

Farmers

$712

$59

State Farm

$756

$63

Cincinnati Insurance

$776

$65

Progressive

$781

$65

Nationwide

$808

$67

State Farm

$828

$69

Cincinnati Insurance

$957

$80

Nationwide

$987

$82

Nationwide

$1,060

$88

State Farm

$1,066

$89

Country Financial

$1,073

$89

Country Financial

$1,168

$97

Auto-Owners Insurance Co

$1,175

$98

Cincinnati Insurance

$1,183

$99

Allstate

$1,184

$99

Travelers

$1,214

$101

GEICO

$1,215

$101

Auto-Owners Insurance Co

$1,226

$102

GEICO

$1,233

$103

Farmers

$1,253

$104

Allstate

$1,257

$105

Farmers

$1,259

$105

Travelers

$1,274

$106

Allstate

$1,317

$110

Nationwide

$1,321

$110

Travelers

$1,331

$111

Farmers

$1,460

$122

GEICO

$1,531

$128

Country Financial

$1,554

$130

Auto-Owners Insurance Co

$1,706

$142

Progressive

$1,791

$149

Progressive

$1,819

$152

Progressive

$2,214

$185

Cheapest Car Insurance in Alabama After an Accident

The cheapest full coverage auto insurance providers for Alabama motorists with an at-fault collision on their records are:

  • State Farm: $935 per year
  • Country Financial: $1,178 per year

Progressive, the most expensive, costs around $2,416 annually for drivers with at-fault accidents. MoneyGeek found that being at fault in a car accident in Alabama can boost your annual premium by $500, on average.

Company
Annual Premium
Monthly Premium

State Farm

$337

$28

State Farm

$358

$30

Cincinnati Insurance

$387

$32

State Farm

$437

$36

Cincinnati Insurance

$449

$37

Country Financial

$503

$42

Country Financial

$521

$43

Auto-Owners Insurance Co

$559

$47

Cincinnati Insurance

$567

$47

Auto-Owners Insurance Co

$570

$48

Travelers

$573

$48

Travelers

$599

$50

Travelers

$656

$55

Country Financial

$679

$57

GEICO

$707

$59

Farmers

$731

$61

Allstate

$741

$62

Auto-Owners Insurance Co

$746

$62

GEICO

$768

$64

Allstate

$772

$64

Nationwide

$774

$64

Farmers

$805

$67

Allstate

$815

$68

GEICO

$839

$70

Farmers

$843

$70

Nationwide

$845

$70

State Farm

$856

$71

Progressive

$912

$76

State Farm

$935

$78

Progressive

$967

$81

Progressive

$1,062

$89

Nationwide

$1,104

$92

Country Financial

$1,129

$94

Cincinnati Insurance

$1,133

$94

Country Financial

$1,178

$98

State Farm

$1,206

$101

Travelers

$1,267

$106

Travelers

$1,334

$111

Nationwide

$1,346

$112

Auto-Owners Insurance Co

$1,382

$115

Travelers

$1,386

$116

Cincinnati Insurance

$1,392

$116

Farmers

$1,427

$119

Auto-Owners Insurance Co

$1,434

$119

Farmers

$1,437

$120

Nationwide

$1,446

$121

Allstate

$1,488

$124

Country Financial

$1,549

$129

GEICO

$1,571

$131

GEICO

$1,576

$131

Allstate

$1,596

$133

Farmers

$1,632

$136

Allstate

$1,655

$138

Cincinnati Insurance

$1,717

$143

GEICO

$1,869

$156

Nationwide

$1,923

$160

Auto-Owners Insurance Co

$2,003

$167

Progressive

$2,416

$201

Progressive

$2,485

$207

Progressive

$2,902

$242

Cheapest Car Insurance in Alabama After a DUI

If you have a DUI on your record, the least costly options for full coverage auto insurance in Alabama are:

  • State Farm: $828 per year
  • Farmers: $1,364 per year

GEICO has the highest annual premium for drivers with a DUI, at about $2,271. With a DUI on your record, you can expect a $677 increase in your annual rate in Alabama.

Company
Annual Premium
Monthly Premium

State Farm

$293

$24

State Farm

$311

$26

State Farm

$379

$32

Cincinnati Insurance

$533

$44

Country Financial

$569

$47

Country Financial

$576

$48

Cincinnati Insurance

$619

$52

Travelers

$638

$53

Travelers

$666

$56

Farmers

$695

$58

Progressive

$703

$59

Allstate

$715

$60

Travelers

$730

$61

Allstate

$746

$62

Progressive

$754

$63

State Farm

$756

$63

Farmers

$776

$65

Cincinnati Insurance

$782

$65

Allstate

$783

$65

Country Financial

$801

$67

Farmers

$805

$67

State Farm

$828

$69

Progressive

$831

$69

Auto-Owners Insurance Co

$910

$76

Auto-Owners Insurance Co

$929

$77

Nationwide

$963

$80

Nationwide

$1,050

$87

State Farm

$1,066

$89

GEICO

$1,093

$91

GEICO

$1,135

$95

GEICO

$1,207

$101

Auto-Owners Insurance Co

$1,216

$101

Country Financial

$1,270

$106

Nationwide

$1,308

$109

Farmers

$1,364

$114

Country Financial

$1,371

$114

Farmers

$1,375

$115

Travelers

$1,403

$117

Allstate

$1,448

$121

Travelers

$1,476

$123

Travelers

$1,534

$128

Allstate

$1,553

$129

Cincinnati Insurance

$1,554

$129

Farmers

$1,566

$131

Allstate

$1,613

$134

Nationwide

$1,682

$140

Progressive

$1,729

$144

Nationwide

$1,782

$148

Progressive

$1,811

$151

Country Financial

$1,843

$154

Cincinnati Insurance

$1,912

$159

Progressive

$2,140

$178

Auto-Owners Insurance Co

$2,160

$180

Auto-Owners Insurance Co

$2,220

$185

GEICO

$2,271

$189

Nationwide

$2,285

$190

GEICO

$2,352

$196

Cincinnati Insurance

$2,359

$197

GEICO

$2,500

$208

Auto-Owners Insurance Co

$3,123

$260

Cheapest Car Insurance in Alabama for Drivers With Poor Credit (September 2023)

Alabama's least expensive car insurance providers for people with bad credit are:

  • Nationwide: $1,254 per year
  • Country Financial: $1,269 per year

Auto-Owners charges more than any other insurer, around $3,021 per year if you have a poor credit score.

Insurers use credit scores when determining premiums. In Alabama, you may pay about $835 more for car insurance for having a credit score of under 580 compared with someone with a credit score above 750.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$1,602

$134

Nationwide

$1,637

$136

Travelers

$1,659

$138

Country Financial

$1,704

$142

Farmers

$1,822

$152

Allstate

$1,933

$161

GEICO

$1,961

$163

Progressive

$2,975

$248

State Farm

$3,306

$276

Auto-Owners Insurance Co

$4,232

$353

Cincinnati Insurance

$528

$44

Country Financial

$721

$60

Travelers

$735

$61

GEICO

$852

$71

Farmers

$871

$73

Allstate

$986

$82

Nationwide

$990

$83

Progressive

$1,014

$84

State Farm

$1,162

$97

Auto-Owners Insurance Co

$1,363

$114

Nationwide

$1,254

$105

Country Financial

$1,269

$106

Cincinnati Insurance

$1,297

$108

Travelers

$1,364

$114

Farmers

$1,508

$126

GEICO

$1,575

$131

Allstate

$1,742

$145

Progressive

$2,304

$192

State Farm

$2,572

$214

Auto-Owners Insurance Co

$3,021

$252

Cincinnati Insurance

$415

$35

Country Financial

$518

$43

Travelers

$636

$53

Nationwide

$664

$55

GEICO

$696

$58

Farmers

$710

$59

Progressive

$820

$68

Allstate

$941

$78

State Farm

$953

$79

Auto-Owners Insurance Co

$1,021

$85

Cincinnati Insurance

$1,055

$88

Nationwide

$1,144

$95

Country Financial

$1,172

$98

Travelers

$1,367

$114

Farmers

$1,428

$119

GEICO

$1,514

$126

Allstate

$1,821

$152

Progressive

$2,154

$179

State Farm

$2,342

$195

Auto-Owners Insurance Co

$2,884

$240

Cincinnati Insurance

$359

$30

Country Financial

$509

$42

Nationwide

$650

$54

Travelers

$671

$56

GEICO

$738

$62

Farmers

$739

$62

Progressive

$767

$64

State Farm

$897

$75

Allstate

$1,001

$83

Auto-Owners Insurance Co

$1,043

$87

Drivers with low credit scores are more inclined to file claims, and Alabama allows insurance companies to consider credit scores when deciding premiums.

Your insurance premiums may decrease when your credit situation improves. However, insurers give discounts, which can help you counteract the higher rates associated with poor credit.

Cheapest Car Insurance in Alabama for Sports Cars (September 2023)

The cheapest auto insurance providers in Alabama for owners of sports cars are:

  • Travelers: $854 per year
  • Farmers: $919 per year

Progressive's average annual premium of $1,774 is the state's most expensive.

Sports car insurance is typically, but not always, more expensive than a policy for a standard car because sports car repair and replacement costs are higher. However, sports car owners in Alabama pay around $157 more for auto insurance than those who drive a Toyota Camry LE.

Company
Annual Premium
Monthly Premium

Cincinnati Insurance

$220

$18

Cincinnati Insurance

$252

$21

State Farm

$263

$22

State Farm

$275

$23

Cincinnati Insurance

$322

$27

Country Financial

$331

$28

Country Financial

$336

$28

State Farm

$341

$28

Auto-Owners Insurance Co

$397

$33

Travelers

$410

$34

Auto-Owners Insurance Co

$413

$34

Travelers

$436

$36

Travelers

$461

$38

Country Financial

$467

$39

Nationwide

$474

$40

GEICO

$478

$40

Progressive

$479

$40

Nationwide

$484

$40

Farmers

$489

$41

GEICO

$504

$42

Progressive

$505

$42

Farmers

$508

$42

Allstate

$529

$44

Auto-Owners Insurance Co

$540

$45

Allstate

$570

$47

GEICO

$577

$48

Allstate

$587

$49

Farmers

$599

$50

Progressive

$632

$53

Nationwide

$664

$55

Travelers

$821

$68

Farmers

$845

$70

Travelers

$854

$71

State Farm

$864

$72

Nationwide

$894

$75

Farmers

$919

$77

State Farm

$948

$79

Nationwide

$982

$82

Travelers

$1,005

$84

Auto-Owners Insurance Co

$1,033

$86

Auto-Owners Insurance Co

$1,079

$90

Allstate

$1,094

$91

Farmers

$1,105

$92

Allstate

$1,137

$95

GEICO

$1,141

$95

Allstate

$1,233

$103

State Farm

$1,235

$103

GEICO

$1,252

$104

Nationwide

$1,325

$110

Auto-Owners Insurance Co

$1,500

$125

Progressive

$1,533

$128

GEICO

$1,553

$129

Progressive

$1,774

$148

Progressive

$2,396

$200

MoneyGeek obtained the quotes above using a Ford Mustang, but auto insurance premiums can vary significantly based on the car model. Sports, electric and luxury cars often cost more to insure than other vehicle models.

Cheapest Car Insurance in Alabama for Military Drivers (September 2023)

State Farm is the most affordable auto insurer for veterans and active military personnel, costing an average of $751 per year.

Alternatively, USAA offers quality car insurance coverage to current and former military members in all 50 states and has an average annual cost of $774.

mglogo
MoneyGeek Top Pick
State Farm
  • $751 per year
  • Ranks cheapest among 11 insurers in affordability

In addition to its low price, State Farm provides various discounts, including good student, multiple car, and safe driving.

Cheapest Car Insurance in Alabama by City

Where you live in Alabama will affect the amount you pay for auto insurance. Drivers residing in areas where theft, vandalism or accidents occur more frequently are more likely to file insurance claims. Hence, they pay higher premiums.

MoneyGeek found that Huntsville residents have the most affordable car insurance in Alabama, with Cincinnati Insurance offering it for around $889 per year. An annual full coverage policy from Nationwide costs $1,029 per year in Birmingham, the most expensive city in the state.

The following list will give you an idea of how much car insurance costs in different Alabama cities.

City
Cheapest Company
Annual Premium

Birmingham

Nationwide

$1,029

Huntsville

Cincinnati Insurance

$889

Mobile

Cincinnati Insurance

$990

Montgomery

Cincinnati Insurance

$906

Car Insurance in Alabama: What You Need to Know

Alabama mandates that motorists have bodily injury and property damage liability coverage. The state does not require coverage for personal injury protection or uninsured/underinsured motorists.

Alabama Car Insurance Requirements

Alabama law demands carrying auto insurance that meets the minimum limits for bodily injury and property damage liability coverage. Although economical, a minimum coverage policy provides less protection. For added security, MoneyGeek advises obtaining the highest liability coverage you can afford.

Most significant driving infractions, including reckless driving, driving without insurance and driving while your license is suspended, also call for SR-22 insurance in Alabama, which could increase your coverage requirements.

  • male icon

    Bodily Injury Liability

    Bodily injury liability insurance pays for injuries you inflict on another driver in a collision for which you are responsible. In Alabama, minimum bodily liability coverage requirements are $25,000 per person and $50,000 per accident. You are responsible for the remaining balance if the medical costs exceed this cap.

  • accident2 icon

    Property Damage Liability

    Alabama mandates that motorists carry a minimum of $25,000 in property damage liability coverage. If you're at fault in an accident that causes damage to another person's property, your insurance will pay up to $25,000 per accident, but you'll be responsible for any damages over this amount.

MoneyGeek recommends purchasing liability insurance with at least $100,000 in bodily injury per person and $300,000 per accident and property damage coverage of $100,000.

If your vehicle is financed, it's best to carry comprehensive and collision insurance. Your comprehensive insurance policy will pay for any off-road-related damages to your car from animals, theft, vandalism and weather.

If your car is damaged by another vehicle or a stationary object, such as a tree, collision insurance will pay to repair or replace it. Having comprehensive and collision insurance on an expensive vehicle is a good idea, even if you did not finance or lease it.

Car Insurance Alternatives in Alabama

Alabama provides alternatives to carrying the state’s minimum liability insurance. For example, drivers can submit a motor vehicle liability bond with the Department of Revenue via a surety company for at least $50,000. Another option is to make a cash deposit of the same amount with the state treasurer.

Those who choose the former will be issued a certificate for a motor vehicle liability bond, whereas those who choose the latter will be issued a certificate for a cash bond. You should always have copies of these certifications in your vehicle, just like you would with insurance.

FAQs About Car Insurance in Alabama

Cost and quality concerns regarding auto insurance are universal. To help you better comprehend auto insurance in Alabama, we've answered a few common questions.

Expert Advice on Finding Cheap Car Insurance in Alabama

To help you find reliable and accurate information on car insurance in Alabama, MoneyGeek collected expert advice from trusted professionals. The views and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Alabama should look for when searching for reliable and affordable coverage?
  2. What natural or environmental factors should drivers in Alabama consider when shopping for the best car insurance coverage?
  3. How do regulations and rules in Alabama impact insurance pricing and how consumers might shop for coverage?
  4. What steps can drivers in Alabama take to find affordable car insurance?
Mandy Harrelson
Mandy Harrelson

Program Champion Department of Finance, Harbert College of Business at Auburn University

Iverson Gandy, Jr., JD
Iverson Gandy, Jr., JD

Assistant Professor, Brimmer College of Business and Information Science at Tuskegee University

Dr. James Barth
Dr. James Barth

Lowder Eminent Scholar in Finance at Auburn University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.