Auto Insurance
Best & CheapestAuto InsuranceHigh-RiskBest Cheap Car Insurance Companies for High-Risk Drivers in Alabama
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High-risk drivers in Alabama typically pay double or even triple the amount for insurance coverage than a safe driver. The best way to save on car insurance is to shop around and compare available auto insurance for individuals with poor driving records.
Having the highest MoneyGeek score of 90 out of 100, Allstate offers the best blend of affordability and customer service for high-risk drivers in Alabama. At $1,063 per year, it also ranked the cheapest in the state.
Best & CheapestAuto InsuranceHigh-RiskBest Companies for High-Risk Drivers in 2023
Cheapest for High-Risk Drivers - Allstate
Best for High-Risk Drivers - Allstate
Cheapest After a DUI - Allstate
Cheapest for Teen Drivers - GEICO
Cheapest for Bad Credit - GEICO
You are considered high-risk if your driving history includes at-fault accidents, speeding tickets, a DUI conviction or other traffic offenses.
Insurance for high-risk drivers naturally is more costly because of higher perceived risk. High-risk drivers in Alabama can expect to pay roughly $1,600 per year. This is about 26% more than what a driver with a clean record would pay at $1,172 per year.
WHAT EXACTLY IS A HIGH-RISK DRIVER?
A record of traffic offenses and reckless driving are just a few examples of high-risk driving. Most insurers may consider you a high-risk driver if you fall into one or more of these categories.
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Cheapest Car Insurance in Alabama for High-Risk Drivers
On average, Allstate policies cost $1,063 per year. Based on MoneyGeek’s comparison of different insurers, this is considered the cheapest insurance for high-risk drivers in Alabama.
MoneyGeek’s Allstate Auto Insurance Review explores the coverages, discounts and other information about this insurer that may be helpful to shoppers.
Company | Annual Premium |
|---|---|
Allstate | $1,063 |
GEICO | $1,266 |
State Farm | $1,338 |
Travelers | $1,490 |
Farmers | $1,559 |
Progressive | $1,947 |
Nationwide | $2,044 |
ALFA | $2,094 |
SR-22 INSURANCE
Driving without insurance or getting your license suspended because of a violation will require you to obtain SR-22 Insurance in Alabama.
SR-22 should not be used as a substitute for insurance. Rather, it is a form that states you meet your state's minimum liability coverage requirements.
Best Car Insurance in Alabama for High-Risk Drivers
In Alabama, the best car insurance company for high-risk drivers is Allstate, which costs $1,063 per year on average. This insurer scored 90 out of 100 — the highest among insurers in Alabama. The second-best insurer is GEICO, which costs around $1,266 per year.
MoneyGeek’s reviews of Allstate Auto Insurance and GEICO Auto Insurance help shoppers determine the coverage and provider suitable for their needs.
1
AllstateBest for High-Risk Drivers
Score:90
High-risk auto insurance from Allstate costs $1,063 per year on average. Allstate scored the highest among insurers in Alabama with 90 out of 100.
More About Allstate
Allstate is available in all 50 states and Washington, D.C. It scored well in customer satisfaction ratings and received fewer complaints compared to its competitors. It offers various common coverages like roadside assistance, new car replacement, rideshare insurance and other add-ons.
2
GEICO
Score:83
Earning a MoneyGeek score of 83 out of 100, GEICO ranked as the second-best insurer selling policies at an average of $1,266 per year.
More About GEICO
GEICO offers competitive rates to a variety of drivers. One of its unique coverages is mechanical breakdown insurance (MBI), provided at a lower price than the typical dealer's extended warranty. GEICO also has several unique discounts for installing safe vehicle equipment, such as daytime running lights, anti-theft systems and anti-lock brakes.
MONEYGEEK EXPERT TIP
Auto insurance gets more expensive as you increase your coverage. But that doesn’t mean you have to sacrifice quality for savings.
As Alabama doesn’t have a government-backed program for low-income drivers, there are alternatives for obtaining affordable insurance. Take a look at MoneyGeek’s car insurance in Alabama for low-income drivers.
Cheapest Car Insurance in Alabama for Drivers With a DUI
After a DUI, drivers will notice a rate increase in their auto insurance policy. That’s why finding an insurer that can offer affordable policies even if you have a DUI on your record is important. Allstate offers the cheapest insurance policy after a DUI at roughly $1,117 annually in Alabama.
MoneyGeek’s review of Allstate Auto Insurance can help shoppers learn more about this particular provider.
Another top-rated insurance option for those who qualify is USAA Auto Insurance, exclusively available to military members and their families.
Company | Annual Premium |
|---|---|
Allstate | $1,117 |
State Farm | $1,286 |
Farmers | $1,584 |
Travelers | $1,610 |
GEICO | $1,658 |
Progressive | $1,767 |
Nationwide | $2,108 |
ALFA | $3,120 |
LOOK-BACK PERIODS
As long as you have a DUI on your record, auto insurance rates are guaranteed to be pricey. And, you will have to wait for the look-back period to lapse before you can negotiate for a lower rate.
The look-back period lasts for years to accommodate sentencing for repeat offenders. In Alabama, the look-back period is 10 years.
Cheapest Car Insurance in Alabama for Teenage Drivers
GEICO is the cheapest high-risk auto insurance option for teen drivers in Alabama at an average of $3,766 per year.
Find out how teen drivers can save with GEICO by referring to MoneyGeek’s GEICO Auto Insurance review.
Company | Annual Premium |
|---|---|
GEICO | $3,766 |
Allstate | $3,952 |
State Farm | $5,249 |
Nationwide | $6,015 |
Progressive | $9,343 |
MONEYGEEK EXPERT TIP
Teen drivers often pay twice as much as the average driver for auto insurance, if not more. However, don’t be tempted to opt for minimum coverage to save money. Teens need full coverage more than the average driver due to inexperience and possibly reckless driving.
Compare the best and cheapest car insurance rates for students and teens.
Cheapest Car Insurance in Alabama for Drivers With Bad Credit
Drivers with poor credit are frequently viewed as high-risk by most insurance companies. Your credit score is often a good indicator of how likely you are to file claims, thus affecting your insurance costs. Drivers who want to save on insurance should consider GEICO. Their policies cost around $1,196 per year for those with bad credit.
Company | Annual Premium | Percent Increase |
|---|---|---|
GEICO | 1,196 | 36% |
MONEYGEEK EXPERT TIP
Finding affordable car insurance can be challenging for high-risk drivers with bad credit. MoneyGeek’s guide ranked different insurers based on their affordability for drivers with poor credit.
How Much Does Car Insurance Cost for High-Risk Drivers in Alabama?
Insurance companies in Alabama determine your risk factors to calculate your premiums. Due to higher chances of more filed claims, auto insurance for a high-risk driver typically costs more than for a driver with a clean record.
In Alabama, the average cost of a policy for a high-risk driver is $1,600 per year. For a driver with a clean record, a policy averages $1,172 per year.
Annual Car Insurance Cost in AL for Low-Risk vs. High-Risk Drivers
Annual Premium
Low-Risk Driver
$1,172Annual Premium
High-Risk Driver
$1,600In Alabama, high-risk drivers pay:$428 more
This is 37% more expensive.
Rates vary for different drivers as individual risk factors matter in calculating premiums. Other factors such as age, vehicle information and level of coverage are just as important when determining the cost of your insurance. You can use MoneyGeek’s Alabama insurance calculator, which estimates costs based on your personal details.
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Can You Still Get Car Insurance in Alabama if Insurers Refuse to Insure You?
Auto insurance is a voluntary market, which means some insurers may reject your application for coverage. If you have done some shopping and have been repeatedly rejected by insurers in your state, you may consider an alternate market plan.
An American non-profit organization called Automobile Insurance Plan Service Office (AIPSO) offers auto insurance residual market services. AIPSO provides insurance for high-risk drivers who are having trouble finding coverage.
Alabama Automobile Insurance Plan
AIPSO has a state-by-state database to help you find a residual market plan based on your location. In Alabama, the residual market plan is called the Alabama Automobile Insurance Plan (ALAIP).
Office Hours
Monday–Friday, 8 a.m.–4 p.m. CT
Email
southeast@aipso.com
Phone
(800) 301-6477
Fax
(800) 677-7247
Mailing Address
P.O. Box 6530, Providence, RI 02940-6530
Auto Insurance
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Frequently Asked Questions
Being a high-risk driver can make it challenging to find affordable insurance. MoneyGeek answered frequently asked questions about high-risk auto insurance in Alabama.
Methodology
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
About Mark Fitzpatrick
sources
- AIPSO. "AIPSO’s Value to the Insurance Industry." Accessed September 15, 2022.
- AIPSO. "Alabama Automobile Insurance Plan." Accessed September 15, 2022.
- Responsibility.org. "State Law: DUI Look-Back Periods." Accessed September 15, 2022.