AIG offers the lowest rates in Alabama at $22 monthly for minimum coverage and $71 for full coverage. Drivers save $35 monthly (43%) compared to state averages. Get quotes from Cincinnati, Auto-Owners, Travelers and GEICO too.
Cheapest Car Insurance in Alabama
Updated: September 9, 2025
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Key Takeaways
AIG, Cincinnati Insurance and Auto Owners are the cheapest car insurance companies in Alabama, offering average savings of up to 43%.
Car insurance costs can be as low as $13 monthly for minimum coverage and $40 for full coverage policies on average in Alabama.
To get the cheapest car insurance in Alabama, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Alabama?
| AIG | $22 | $71 | -43% | $-35 |
| Cincinnati Insurance | $26 | $89 | -29% | $-24 |
| Auto Owners | $44 | $89 | -18% | $-15 |
| Travelers | $47 | $86 | -18% | $-15 |
| Geico | $42 | $92 | -17% | $-14 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$133
High
$99
Average
$80
Low
Rates updated:
Sep 15, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 89 /of 100 | $80 | |
| 2 |  GEICO | 82 /of 100 | $80 |
| 3 |  Nationwide | 89 /of 100 | $84 |
| 4 | 84 /of 100 | $90 | |
| 5 | 78 /of 100 | $96 | |
| 6 | 74 /of 100 | $108 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Alabama
AIG offers the cheapest rates for seven out of our 10 driver categories in Alabama, including young drivers, seniors and those with driving violations. Cincinnati stands out with the lowest rates in two categories, particularly for drivers with bad credit and low income. Find your specific rates in the table:
| Young Drivers | AIG | $53 |
| Adult Drivers | AIG | $22 |
| Senior Drivers | AIG | $33 |
| Drivers With An Accident | AIG | $27 |
| Drivers With A DUI | AIG | $23 |
| Drivers With A Speeding Ticket | AIG | $23 |
| Drivers With Bad Credit | Cincinnati Insurance | $56 |
| Drivers With Low Income | Cincinnati Insurance | $41 |
| Drivers With Newer Cars | Travelers | $46 |
| Drivers With Old Cars | AIG | $16 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN ALABAMA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Alabama:
Compare the Cheapest Car Insurance in Alabama for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Country Financial offers the lowest rates at $160 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Country Financial | $160 | $1,924 | -47% | $-1,719 |
| Cincinnati Insurance | $187 | $2,249 | -38% | $-1,393 |
| Safeway Insurance | $198 | $2,381 | -35% | $-1,262 |
| Travelers | $256 | $3,075 | -16% | $-568 |
| AIG | $289 | $3,466 | -5% | $-176 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Alabama by City
Where you live in Alabama affects your insurance costs based on local crime, accidents and traffic density. AIG charges as little as $13 in Albertville but Cincinnati costs $33 in Chunchula. Here are the cheapest providers for every Alabama city:
Data filtered by:Results filtered by:
Select
City:
| Huntsville | AIG | $24 | -39% | $-32 |
| Montgomery | Cincinnati Insurance | $25 | -38% | $-32 |
| Birmingham | AIG | $23 | -49% | $-45 |
| Mobile | Cincinnati Insurance | $27 | -35% | $-32 |
| Tuscaloosa | AIG | $28 | -33% | $-28 |
| Hoover | AIG | $16 | -62% | $-54 |
| Auburn | Cincinnati Insurance | $25 | -29% | $-23 |
| Dothan | AIG | $18 | -51% | $-37 |
| Madison | AIG | $22 | -41% | $-32 |
| Decatur | Cincinnati Insurance | $19 | -44% | $-34 |
| Florence | AIG | $15 | -59% | $-43 |
| Vestavia Hills | AIG | $16 | -62% | $-53 |
| Prattville | AIG | $25 | -37% | $-30 |
| Phenix City | Cincinnati Insurance | $26 | -39% | $-36 |
| Gadsden | AIG | $20 | -50% | $-41 |
| Alabaster | AIG | $16 | -58% | $-46 |
| Opelika | Cincinnati Insurance | $25 | -31% | $-25 |
| Northport | AIG | $28 | -33% | $-27 |
| Enterprise | AIG | $19 | -50% | $-37 |
| Athens | AIG | $24 | -36% | $-27 |
| Daphne | AIG | $20 | -48% | $-38 |
| Trussville | AIG | $23 | -47% | $-42 |
| Homewood | AIG | $21 | -51% | $-45 |
| Bessemer | AIG | $19 | -57% | $-51 |
| Pelham | AIG | $16 | -60% | $-49 |
| Fairhope | AIG | $20 | -46% | $-36 |
| Foley | AIG | $20 | -46% | $-35 |
| Helena | AIG | $16 | -59% | $-48 |
| Albertville | AIG | $13 | -64% | $-48 |
| Oxford | AIG | $18 | -53% | $-42 |
| Anniston | AIG | $18 | -53% | $-42 |
| Mountain Brook | AIG | $16 | -62% | $-53 |
| Cullman | AIG | $22 | -42% | $-33 |
| Prichard | Cincinnati Insurance | $26 | -33% | $-29 |
| Troy | AIG | $21 | -47% | $-37 |
| Muscle Shoals | AIG | $15 | -60% | $-43 |
| Millbrook | AIG | $25 | -38% | $-31 |
| Saraland | AIG | $27 | -34% | $-29 |
| Hartselle | Cincinnati Insurance | $19 | -43% | $-33 |
| Talladega | AIG | $17 | -54% | $-41 |
| Hueytown | AIG | $19 | -57% | $-49 |
| Scottsboro | AIG | $13 | -65% | $-48 |
| Alexander City | AIG | $19 | -51% | $-39 |
| Jasper | AIG | $22 | -45% | $-38 |
| Gardendale | AIG | $23 | -46% | $-40 |
| Eufaula | AIG | $19 | -51% | $-40 |
| Sylacauga | AIG | $17 | -54% | $-42 |
| Valley | Cincinnati Insurance | $24 | -34% | $-27 |
| Clanton | AIG | $17 | -55% | $-42 |
| Andalusia | AIG | $20 | -45% | $-33 |
| Abbeville | AIG | $19 | -49% | $-37 |
| Abernant | AIG | $28 | -34% | $-28 |
| Adamsville | AIG | $19 | -57% | $-50 |
| Addison | AIG | $27 | -32% | $-25 |
| Adger | AIG | $19 | -56% | $-47 |
| Akron | AIG | $26 | -33% | $-26 |
| Alberta | AIG | $26 | -40% | $-34 |
| Alexandria | AIG | $18 | -53% | $-42 |
| Aliceville | AIG | $26 | -32% | $-25 |
| Allgood | AIG | $22 | -45% | $-37 |
| Alpine | AIG | $17 | -55% | $-42 |
| Alton | AIG | $23 | -49% | $-44 |
| Altoona | AIG | $20 | -49% | $-38 |
| Anderson | AIG | $15 | -60% | $-45 |
| Annemanie | Cincinnati Insurance | $26 | -36% | $-32 |
| Arab | AIG | $13 | -64% | $-48 |
| Ardmore | AIG | $25 | -35% | $-27 |
| Argo | AIG | $15 | -59% | $-46 |
| Ariton | AIG | $19 | -49% | $-37 |
| Arley | AIG | $27 | -32% | $-25 |
| Arlington | AIG | $26 | -38% | $-31 |
| Ashford | AIG | $18 | -50% | $-37 |
| Ashland | AIG | $19 | -49% | $-36 |
| Ashville | AIG | $15 | -59% | $-46 |
| Atmore | AIG | $20 | -46% | $-35 |
| Attalla | AIG | $20 | -51% | $-41 |
| Auburn University | Cincinnati Insurance | $25 | -29% | $-23 |
| Autaugaville | AIG | $25 | -36% | $-29 |
| Axis | AIG | $27 | -34% | $-28 |
| Baileyton | AIG | $22 | -42% | $-33 |
| Banks | AIG | $21 | -46% | $-36 |
| Bankston | Cincinnati Insurance | $23 | -33% | $-26 |
| Bay Minette | AIG | $20 | -46% | $-34 |
| Bayou La Batre | Cincinnati Insurance | $26 | -35% | $-32 |
| Bear Creek | AIG | $27 | -30% | $-23 |
| Beatrice | AIG | $20 | -49% | $-38 |
| Beaverton | AIG | $27 | -27% | $-20 |
| Belk | Cincinnati Insurance | $23 | -35% | $-27 |
| Bellamy | AIG | $26 | -34% | $-27 |
| Belle Mina | AIG | $25 | -34% | $-27 |
| Bellwood | AIG | $19 | -50% | $-37 |
| Berry | Cincinnati Insurance | $23 | -35% | $-28 |
| Billingsley | AIG | $25 | -36% | $-29 |
| Black | AIG | $19 | -49% | $-35 |
| Blountsville | AIG | $22 | -43% | $-33 |
| Boaz | AIG | $16 | -57% | $-44 |
| Boligee | Cincinnati Insurance | $24 | -36% | $-30 |
| Bon Air | AIG | $17 | -56% | $-44 |
| Bon Secour | AIG | $20 | -48% | $-38 |
| Booth | Cincinnati Insurance | $24 | -35% | $-29 |
| Boykin | AIG | $26 | -37% | $-30 |
| Brantley | AIG | $23 | -38% | $-29 |
| Bremen | AIG | $22 | -44% | $-35 |
| Brent | AIG | $26 | -35% | $-28 |
| Brewton | AIG | $20 | -47% | $-36 |
| Bridgeport | AIG | $13 | -64% | $-47 |
| Brierfield | AIG | $26 | -35% | $-29 |
| Brilliant | AIG | $27 | -30% | $-23 |
| Brooklyn | AIG | $23 | -40% | $-32 |
| Brookwood | AIG | $28 | -33% | $-27 |
| Brownsboro | AIG | $25 | -37% | $-30 |
| Brundidge | AIG | $21 | -46% | $-36 |
| Bryant | AIG | $13 | -64% | $-47 |
| Bucks | AIG | $20 | -52% | $-44 |
| Buhl | AIG | $28 | -32% | $-26 |
| Burnwell | AIG | $27 | -37% | $-31 |
| Butler | AIG | $26 | -37% | $-30 |
| Bynum | AIG | $18 | -54% | $-43 |
| Calera | AIG | $17 | -56% | $-43 |
| Calvert | AIG | $26 | -38% | $-32 |
| Camden | AIG | $26 | -39% | $-34 |
| Campbell | AIG | $26 | -36% | $-29 |
| Camp Hill | AIG | $19 | -50% | $-39 |
| Capshaw | AIG | $25 | -33% | $-26 |
| Carbon Hill | AIG | $27 | -33% | $-26 |
| Cardiff | AIG | $19 | -56% | $-48 |
| Carlton | Cincinnati Insurance | $24 | -40% | $-35 |
| Carrollton | AIG | $26 | -34% | $-27 |
| Castleberry | AIG | $23 | -39% | $-30 |
| Catherine | AIG | $26 | -40% | $-34 |
| Cecil | AIG | $23 | -43% | $-35 |
| Cedar Bluff | AIG | $13 | -65% | $-49 |
| Center Point | AIG | $21 | -52% | $-48 |
| Centre | AIG | $13 | -65% | $-49 |
| Centreville | AIG | $26 | -34% | $-27 |
| Chancellor | AIG | $19 | -49% | $-36 |
| Chapman | AIG | $23 | -40% | $-31 |
| Chatom | AIG | $26 | -37% | $-30 |
| Chelsea | AIG | $16 | -60% | $-50 |
| Cherokee | AIG | $15 | -59% | $-43 |
| Chickasaw | AIG | $27 | -35% | $-30 |
| Childersburg | AIG | $17 | -55% | $-42 |
| Chunchula | Cincinnati Insurance | $33 | -34% | $-33 |
| Citronelle | AIG | $20 | -51% | $-43 |
| Clay | AIG | $23 | -48% | $-43 |
| Clayton | AIG | $19 | -50% | $-38 |
| Cleveland | AIG | $22 | -44% | $-35 |
| Clinton | Cincinnati Insurance | $24 | -36% | $-29 |
| Clio | AIG | $19 | -50% | $-38 |
| Clopton | AIG | $19 | -49% | $-37 |
| Cloverdale | AIG | $15 | -61% | $-45 |
| Coden | Cincinnati Insurance | $26 | -35% | $-31 |
| Coffee Springs | AIG | $19 | -49% | $-36 |
| Coffeeville | AIG | $26 | -36% | $-30 |
| Coker | AIG | $28 | -33% | $-28 |
| Collinsville | AIG | $13 | -64% | $-47 |
| Columbia | AIG | $18 | -52% | $-40 |
| Columbiana | AIG | $17 | -57% | $-45 |
| Cook Springs | AIG | $15 | -60% | $-46 |
| Coosada | AIG | $25 | -37% | $-30 |
| Cordova | AIG | $27 | -37% | $-32 |
| Cottondale | AIG | $28 | -33% | $-28 |
| Cottonton | Cincinnati Insurance | $25 | -37% | $-32 |
| Cottonwood | AIG | $18 | -50% | $-36 |
| Courtland | AIG | $21 | -45% | $-35 |
| Cowarts | AIG | $18 | -50% | $-37 |
| Coy | AIG | $26 | -39% | $-34 |
| Cragford | AIG | $19 | -49% | $-36 |
| Crane Hill | AIG | $22 | -44% | $-35 |
| Creola | AIG | $27 | -34% | $-29 |
| Cropwell | AIG | $15 | -59% | $-46 |
| Crossville | AIG | $13 | -64% | $-48 |
| Cuba | AIG | $26 | -37% | $-31 |
| Cusseta | Cincinnati Insurance | $25 | -33% | $-27 |
| Dadeville | AIG | $19 | -50% | $-38 |
| Daleville | AIG | $19 | -50% | $-37 |
| Danville | AIG | $21 | -44% | $-33 |
| Dauphin Island | Cincinnati Insurance | $26 | -33% | $-28 |
| Dawson | AIG | $13 | -64% | $-48 |
| De Armanville | AIG | $18 | -54% | $-43 |
| Deatsville | AIG | $25 | -37% | $-29 |
| Deer Park | AIG | $26 | -37% | $-31 |
| Delmar | AIG | $27 | -32% | $-25 |
| Delta | AIG | $19 | -50% | $-38 |
| Demopolis | AIG | $26 | -37% | $-30 |
| Detroit | AIG | $27 | -29% | $-22 |
| Dickinson | AIG | $26 | -35% | $-29 |
| Dixons Mills | AIG | $26 | -35% | $-29 |
| Docena | AIG | $19 | -58% | $-52 |
| Dolomite | AIG | $19 | -57% | $-50 |
| Dora | AIG | $19 | -55% | $-46 |
| Double Springs | AIG | $27 | -32% | $-26 |
| Dozier | AIG | $23 | -36% | $-27 |
| Duncanville | AIG | $28 | -33% | $-28 |
| Dutton | AIG | $13 | -65% | $-49 |
| Eastaboga | AIG | $18 | -53% | $-41 |
| East Tallassee | AIG | $19 | -53% | $-43 |
| Echola | AIG | $28 | -32% | $-26 |
| Eclectic | AIG | $25 | -35% | $-27 |
| Edwardsville | AIG | $18 | -52% | $-40 |
| Eight Mile | Cincinnati Insurance | $26 | -34% | $-30 |
| Elba | AIG | $19 | -49% | $-37 |
| Elberta | AIG | $20 | -47% | $-36 |
| Eldridge | AIG | $27 | -31% | $-24 |
| Elkmont | AIG | $24 | -36% | $-28 |
| Elmore | AIG | $25 | -38% | $-31 |
| Elrod | AIG | $28 | -31% | $-25 |
| Emelle | AIG | $26 | -35% | $-29 |
| Emerald Mountain | AIG | $25 | -37% | $-30 |
| Empire | AIG | $27 | -36% | $-31 |
| Epes | AIG | $26 | -36% | $-29 |
| Equality | AIG | $19 | -50% | $-38 |
| Estillfork | AIG | $13 | -65% | $-49 |
| Ethelsville | AIG | $26 | -33% | $-26 |
| Eutaw | Cincinnati Insurance | $24 | -36% | $-29 |
| Eva | Cincinnati Insurance | $19 | -45% | $-34 |
| Evergreen | AIG | $23 | -38% | $-29 |
| Excel | AIG | $20 | -49% | $-40 |
| Fackler | AIG | $13 | -64% | $-48 |
| Fairfield | AIG | $21 | -53% | $-48 |
| Falkville | Cincinnati Insurance | $19 | -45% | $-35 |
| Faunsdale | AIG | $26 | -36% | $-29 |
| Fayette | Cincinnati Insurance | $23 | -33% | $-25 |
| Fitzpatrick | AIG | $19 | -54% | $-46 |
| Five Points | Cincinnati Insurance | $24 | -33% | $-25 |
| Flat Rock | AIG | $13 | -65% | $-49 |
| Flomaton | AIG | $20 | -47% | $-36 |
| Florala | AIG | $20 | -44% | $-32 |
| Forest Home | AIG | $23 | -39% | $-30 |
| Forkland | Cincinnati Insurance | $24 | -36% | $-30 |
| Fort Deposit | AIG | $23 | -41% | $-33 |
| Fort Mitchell | Cincinnati Insurance | $25 | -38% | $-34 |
| Fort Payne | AIG | $13 | -63% | $-46 |
| Fort Rucker | AIG | $19 | -49% | $-37 |
| Fosters | AIG | $28 | -32% | $-27 |
| Franklin | AIG | $20 | -47% | $-36 |
| Frankville | AIG | $26 | -37% | $-30 |
| Frisco City | AIG | $20 | -47% | $-36 |
| Fruitdale | AIG | $26 | -38% | $-32 |
| Fultondale | AIG | $20 | -54% | $-47 |
| Furman | AIG | $26 | -41% | $-36 |
| Fyffe | AIG | $13 | -63% | $-46 |
| Gainestown | AIG | $26 | -35% | $-29 |
| Gainesville | AIG | $26 | -35% | $-28 |
| Gallant | AIG | $20 | -50% | $-40 |
| Gallion | AIG | $26 | -38% | $-32 |
| Gantt | AIG | $20 | -46% | $-35 |
| Garden City | AIG | $22 | -44% | $-35 |
| Gaylesville | AIG | $13 | -64% | $-48 |
| Geneva | AIG | $19 | -48% | $-35 |
| Georgiana | AIG | $23 | -39% | $-30 |
| Geraldine | AIG | $13 | -64% | $-47 |
| Gilbertown | AIG | $26 | -34% | $-27 |
| Glen Allen | Cincinnati Insurance | $23 | -34% | $-26 |
| Glencoe | AIG | $20 | -50% | $-41 |
| Glenwood | AIG | $23 | -38% | $-29 |
| Goodsprings | AIG | $27 | -36% | $-30 |
| Goodwater | AIG | $19 | -51% | $-39 |
| Goodway | AIG | $20 | -52% | $-43 |
| Gordo | AIG | $26 | -33% | $-25 |
| Gordon | AIG | $18 | -50% | $-37 |
| Gordonville | AIG | $23 | -43% | $-36 |
| Goshen | AIG | $21 | -46% | $-36 |
| Grady | AIG | $23 | -41% | $-32 |
| Graham | AIG | $19 | -49% | $-37 |
| Grand Bay | Cincinnati Insurance | $26 | -36% | $-32 |
| Grant | AIG | $13 | -65% | $-49 |
| Graysville | AIG | $19 | -57% | $-50 |
| Green Pond | AIG | $26 | -36% | $-29 |
| Greensboro | AIG | $26 | -35% | $-28 |
| Greenville | AIG | $23 | -39% | $-30 |
| Grove Hill | AIG | $26 | -36% | $-29 |
| Groveoak | AIG | $13 | -64% | $-47 |
| Guin | AIG | $27 | -29% | $-22 |
| Gulf Shores | AIG | $20 | -49% | $-39 |
| Guntersville | AIG | $13 | -64% | $-48 |
| Gurley | AIG | $25 | -37% | $-30 |
| Hackleburg | AIG | $27 | -30% | $-23 |
| Haleyville | AIG | $27 | -31% | $-24 |
| Hamilton | AIG | $27 | -30% | $-23 |
| Hammondville | AIG | $13 | -63% | $-46 |
| Hanceville | AIG | $22 | -43% | $-34 |
| Hardaway | AIG | $19 | -54% | $-45 |
| Harpersville | AIG | $17 | -57% | $-46 |
| Hartford | AIG | $19 | -48% | $-35 |
| Harvest | AIG | $25 | -36% | $-29 |
| Hatchechubbee | Cincinnati Insurance | $25 | -36% | $-31 |
| Hayden | AIG | $22 | -44% | $-36 |
| Hazel Green | AIG | $25 | -35% | $-28 |
| Headland | AIG | $19 | -49% | $-37 |
| Heflin | AIG | $18 | -52% | $-40 |
| Henagar | AIG | $13 | -63% | $-45 |
| Higdon | AIG | $13 | -65% | $-48 |
| Highland Home | AIG | $23 | -39% | $-30 |
| Hillsboro | AIG | $21 | -45% | $-35 |
| Hodges | AIG | $27 | -30% | $-23 |
| Hollins | AIG | $19 | -50% | $-38 |
| Holly Pond | AIG | $22 | -43% | $-34 |
| Hollytree | AIG | $13 | -66% | $-51 |
| Hollywood | AIG | $13 | -65% | $-49 |
| Holy Trinity | Cincinnati Insurance | $25 | -39% | $-35 |
| Honoraville | AIG | $23 | -39% | $-30 |
| Hope Hull | AIG | $23 | -44% | $-37 |
| Horton | AIG | $13 | -64% | $-48 |
| Houston | AIG | $27 | -29% | $-22 |
| Hurtsboro | Cincinnati Insurance | $25 | -36% | $-31 |
| Huxford | AIG | $20 | -49% | $-38 |
| Ider | AIG | $13 | -63% | $-46 |
| Irondale | AIG | $16 | -63% | $-56 |
| Irvington | Cincinnati Insurance | $26 | -36% | $-33 |
| Jachin | AIG | $26 | -35% | $-28 |
| Jack | AIG | $19 | -49% | $-37 |
| Jackson | AIG | $26 | -35% | $-29 |
| Jacksons Gap | AIG | $19 | -49% | $-37 |
| Jacksonville | AIG | $18 | -53% | $-42 |
| Jefferson | AIG | $26 | -37% | $-31 |
| Jemison | AIG | $17 | -56% | $-44 |
| Jones | AIG | $25 | -36% | $-29 |
| Joppa | AIG | $22 | -43% | $-34 |
| Kellerman | AIG | $28 | -34% | $-29 |
| Kellyton | AIG | $19 | -49% | $-37 |
| Kennedy | AIG | $27 | -29% | $-22 |
| Kent | AIG | $25 | -37% | $-30 |
| Killen | AIG | $15 | -59% | $-43 |
| Kimberly | AIG | $23 | -45% | $-37 |
| Kinston | AIG | $19 | -49% | $-36 |
| Knoxville | Cincinnati Insurance | $24 | -36% | $-29 |
| Laceys Spring | Cincinnati Insurance | $19 | -46% | $-36 |
| Lafayette | Cincinnati Insurance | $24 | -32% | $-25 |
| Lanett | Cincinnati Insurance | $24 | -33% | $-26 |
| Langston | AIG | $13 | -65% | $-48 |
| Lapine | AIG | $23 | -42% | $-33 |
| Lawley | AIG | $26 | -34% | $-27 |
| Leeds | AIG | $23 | -47% | $-42 |
| Leesburg | AIG | $13 | -65% | $-50 |
| Leighton | AIG | $15 | -60% | $-44 |
| Lenox | AIG | $23 | -39% | $-30 |
| Leroy | AIG | $26 | -37% | $-30 |
| Lester | AIG | $24 | -35% | $-27 |
| Letohatchee | AIG | $23 | -42% | $-34 |
| Lexington | AIG | $15 | -59% | $-43 |
| Lillian | AIG | $20 | -48% | $-37 |
| Lincoln | AIG | $17 | -54% | $-41 |
| Linden | AIG | $26 | -37% | $-31 |
| Lineville | AIG | $19 | -49% | $-37 |
| Lisman | AIG | $26 | -36% | $-29 |
| Little River | AIG | $20 | -44% | $-33 |
| Livingston | AIG | $26 | -35% | $-29 |
| Loachapoka | Cincinnati Insurance | $25 | -31% | $-25 |
| Lockhart | AIG | $20 | -45% | $-33 |
| Locust Fork | AIG | $22 | -44% | $-36 |
| Logan | AIG | $22 | -43% | $-34 |
| Louisville | AIG | $19 | -51% | $-39 |
| Lower Peach Tree | AIG | $26 | -39% | $-34 |
| Lowndesboro | AIG | $23 | -43% | $-36 |
| Loxley | AIG | $20 | -47% | $-37 |
| Luverne | AIG | $23 | -39% | $-30 |
| Lynn | AIG | $27 | -30% | $-23 |
| Magnolia | AIG | $26 | -35% | $-29 |
| Magnolia Springs | AIG | $20 | -47% | $-37 |
| Malcolm | AIG | $26 | -37% | $-31 |
| Maplesville | AIG | $17 | -56% | $-43 |
| Marbury | AIG | $25 | -36% | $-29 |
| Marion | AIG | $26 | -36% | $-29 |
| Marion Junction | AIG | $26 | -36% | $-29 |
| Mathews | AIG | $23 | -41% | $-33 |
| Maxwell Air Force Base | AIG | $19 | -53% | $-43 |
| Maxwell Air Force Base Gunter Annex | Cincinnati Insurance | $24 | -36% | $-30 |
| Maylene | AIG | $16 | -59% | $-47 |
| McCalla | AIG | $16 | -60% | $-48 |
| McIntosh | AIG | $26 | -38% | $-32 |
| McKenzie | AIG | $23 | -38% | $-29 |
| Mc Shan | AIG | $26 | -32% | $-24 |
| Mc Williams | AIG | $26 | -38% | $-32 |
| Meadowbrook | AIG | $16 | -61% | $-51 |
| Megargel | AIG | $20 | -49% | $-39 |
| Melvin | AIG | $26 | -36% | $-29 |
| Mentone | AIG | $13 | -63% | $-46 |
| Meridianville | AIG | $25 | -37% | $-30 |
| Mexia | AIG | $20 | -49% | $-38 |
| Midland City | AIG | $19 | -50% | $-38 |
| Midway | AIG | $19 | -54% | $-44 |
| Millerville | AIG | $19 | -50% | $-38 |
| Millport | AIG | $27 | -28% | $-21 |
| Millry | AIG | $26 | -36% | $-30 |
| Minter | AIG | $26 | -38% | $-33 |
| Monroeville | AIG | $20 | -47% | $-36 |
| Montevallo | AIG | $17 | -56% | $-43 |
| Montrose | AIG | $20 | -47% | $-37 |
| Moody | AIG | $15 | -60% | $-47 |
| Mooresville | AIG | $25 | -33% | $-25 |
| Morris | AIG | $23 | -47% | $-41 |
| Morvin | Cincinnati Insurance | $24 | -41% | $-37 |
| Moulton | AIG | $21 | -46% | $-35 |
| Moundville | AIG | $26 | -37% | $-31 |
| Mount Hope | AIG | $21 | -45% | $-35 |
| Mount Olive | AIG | $23 | -46% | $-40 |
| Mount Vernon | AIG | $20 | -50% | $-41 |
| Mulga | AIG | $19 | -58% | $-51 |
| Munford | AIG | $17 | -54% | $-41 |
| Muscadine | AIG | $18 | -52% | $-40 |
| Myrtlewood | AIG | $26 | -37% | $-31 |
| Nanafalia | AIG | $26 | -37% | $-30 |
| Natural Bridge | AIG | $27 | -32% | $-25 |
| Nauvoo | AIG | $27 | -33% | $-27 |
| Needham | AIG | $26 | -35% | $-28 |
| Newbern | AIG | $26 | -35% | $-29 |
| New Brockton | AIG | $19 | -50% | $-37 |
| New Castle | AIG | $23 | -47% | $-41 |
| New Hope | AIG | $25 | -35% | $-28 |
| New Market | AIG | $25 | -35% | $-28 |
| New Site | AIG | $19 | -49% | $-37 |
| Newton | AIG | $19 | -48% | $-34 |
| Newville | AIG | $19 | -50% | $-38 |
| Normal | AIG | $25 | -36% | $-29 |
| Notasulga | AIG | $19 | -52% | $-42 |
| Oak Hill | AIG | $26 | -38% | $-32 |
| Oakman | AIG | $27 | -35% | $-29 |
| Ohatchee | AIG | $18 | -54% | $-42 |
| Oneonta | AIG | $22 | -44% | $-35 |
| Opp | AIG | $20 | -43% | $-31 |
| Orange Beach | AIG | $20 | -48% | $-38 |
| Orrville | AIG | $26 | -37% | $-31 |
| Owens Cross Roads | AIG | $25 | -37% | $-30 |
| Ozark | AIG | $19 | -49% | $-37 |
| Paint Rock | AIG | $13 | -66% | $-52 |
| Palmerdale | AIG | $23 | -49% | $-44 |
| Panola | AIG | $26 | -35% | $-28 |
| Pansey | AIG | $18 | -50% | $-37 |
| Parrish | AIG | $27 | -36% | $-30 |
| Pell City | AIG | $15 | -60% | $-46 |
| Pennington | AIG | $26 | -35% | $-29 |
| Perdido | AIG | $20 | -44% | $-32 |
| Perdue Hill | AIG | $20 | -47% | $-36 |
| Perote | Cincinnati Insurance | $25 | -38% | $-34 |
| Peterman | AIG | $20 | -49% | $-39 |
| Peterson | AIG | $28 | -34% | $-29 |
| Petrey | AIG | $23 | -41% | $-33 |
| Phil Campbell | AIG | $27 | -29% | $-22 |
| Piedmont | AIG | $18 | -53% | $-41 |
| Pike Road | AIG | $23 | -46% | $-39 |
| Pinckard | AIG | $19 | -51% | $-39 |
| Pine Apple | AIG | $26 | -39% | $-34 |
| Pine Hill | AIG | $26 | -40% | $-34 |
| Pinson | AIG | $23 | -48% | $-42 |
| Pisgah | AIG | $13 | -64% | $-48 |
| Pittsview | Cincinnati Insurance | $25 | -38% | $-34 |
| Plantersville | AIG | $25 | -37% | $-29 |
| Pleasant Grove | AIG | $19 | -57% | $-49 |
| Princeton | AIG | $13 | -65% | $-49 |
| Quinton | AIG | $27 | -36% | $-30 |
| Ragland | AIG | $15 | -59% | $-45 |
| Rainbow City | AIG | $20 | -51% | $-41 |
| Rainsville | AIG | $22 | -46% | $-38 |
| Ralph | AIG | $28 | -32% | $-26 |
| Ramer | AIG | $23 | -43% | $-34 |
| Ranburne | AIG | $18 | -52% | $-39 |
| Randolph | AIG | $26 | -34% | $-27 |
| Range | AIG | $23 | -39% | $-30 |
| Red Bay | AIG | $27 | -30% | $-23 |
| Red Level | AIG | $20 | -45% | $-33 |
| Reform | AIG | $26 | -34% | $-27 |
| Remlap | AIG | $22 | -45% | $-36 |
| Repton | AIG | $23 | -39% | $-30 |
| River Falls | AIG | $20 | -45% | $-33 |
| Riverside | AIG | $15 | -59% | $-46 |
| Roanoke | AIG | $19 | -50% | $-38 |
| Robertsdale | AIG | $20 | -46% | $-35 |
| Rockford | AIG | $19 | -50% | $-38 |
| Rogersville | AIG | $15 | -60% | $-43 |
| Russellville | AIG | $27 | -30% | $-23 |
| Rutledge | AIG | $23 | -38% | $-30 |
| Ryland | AIG | $25 | -36% | $-29 |
| Safford | AIG | $26 | -35% | $-28 |
| Saginaw | AIG | $16 | -59% | $-48 |
| Saks | AIG | $18 | -53% | $-42 |
| Salem | Cincinnati Insurance | $25 | -35% | $-30 |
| Samantha | AIG | $28 | -34% | $-28 |
| Samson | AIG | $19 | -49% | $-35 |
| Sardis | AIG | $26 | -37% | $-31 |
| Satsuma | AIG | $27 | -34% | $-28 |
| Sawyerville | AIG | $26 | -33% | $-26 |
| Sayre | AIG | $23 | -46% | $-40 |
| Seale | Cincinnati Insurance | $25 | -38% | $-34 |
| Section | AIG | $13 | -64% | $-47 |
| Selma | AIG | $25 | -39% | $-32 |
| Seminole | AIG | $20 | -46% | $-35 |
| Semmes | AIG | $20 | -54% | $-47 |
| Shannon | AIG | $19 | -56% | $-47 |
| Sheffield | AIG | $15 | -60% | $-44 |
| Shelby | AIG | $17 | -55% | $-42 |
| Shorter | AIG | $19 | -55% | $-46 |
| Shorterville | AIG | $19 | -49% | $-37 |
| Silas | AIG | $26 | -34% | $-27 |
| Siluria | AIG | $16 | -59% | $-47 |
| Silverhill | AIG | $20 | -47% | $-37 |
| Sipsey | AIG | $27 | -35% | $-29 |
| Skipperville | AIG | $19 | -50% | $-37 |
| Slocomb | AIG | $19 | -50% | $-37 |
| Smiths Station | AIG | $27 | -35% | $-29 |
| Somerville | Cincinnati Insurance | $19 | -45% | $-34 |
| Southside | AIG | $20 | -51% | $-41 |
| Spring Garden | AIG | $13 | -66% | $-52 |
| Springville | AIG | $15 | -59% | $-46 |
| Spruce Pine | AIG | $27 | -29% | $-22 |
| Stanton | AIG | $17 | -56% | $-44 |
| Stapleton | AIG | $20 | -46% | $-35 |
| Steele | AIG | $15 | -59% | $-45 |
| St. Elmo | Cincinnati Insurance | $26 | -36% | $-33 |
| Sterrett | AIG | $16 | -60% | $-49 |
| Stevenson | AIG | $13 | -64% | $-47 |
| Stockton | AIG | $20 | -45% | $-33 |
| St. Stephens | AIG | $26 | -38% | $-31 |
| Sulligent | AIG | $27 | -28% | $-21 |
| Sumiton | AIG | $27 | -35% | $-29 |
| Summerdale | AIG | $20 | -47% | $-37 |
| Sunflower | AIG | $26 | -36% | $-30 |
| Sweet Water | AIG | $26 | -37% | $-30 |
| Sycamore | AIG | $17 | -54% | $-41 |
| Sylvania | AIG | $13 | -63% | $-46 |
| Tallassee | AIG | $25 | -36% | $-28 |
| Tanner | AIG | $24 | -35% | $-27 |
| Tarrant | AIG | $20 | -56% | $-51 |
| Theodore | Cincinnati Insurance | $26 | -36% | $-33 |
| Thomaston | AIG | $26 | -36% | $-29 |
| Thomasville | AIG | $26 | -37% | $-30 |
| Thorsby | AIG | $17 | -55% | $-42 |
| Tibbie | AIG | $26 | -37% | $-31 |
| Tillmans Corner | Cincinnati Insurance | $26 | -36% | $-33 |
| Titus | AIG | $25 | -37% | $-29 |
| Toney | AIG | $25 | -37% | $-30 |
| Town Creek | AIG | $21 | -45% | $-35 |
| Townley | AIG | $27 | -35% | $-29 |
| Toxey | AIG | $26 | -36% | $-29 |
| Trafford | AIG | $22 | -47% | $-39 |
| Trenton | AIG | $13 | -65% | $-49 |
| Trinity | AIG | $24 | -37% | $-28 |
| Tuscumbia | AIG | $15 | -60% | $-44 |
| Tuskegee | AIG | $19 | -54% | $-44 |
| Tuskegee Institute | AIG | $19 | -54% | $-44 |
| Tyler | AIG | $23 | -43% | $-36 |
| Union Grove | AIG | $13 | -64% | $-48 |
| Union Springs | AIG | $19 | -54% | $-45 |
| Uniontown | AIG | $26 | -37% | $-30 |
| Uriah | AIG | $20 | -47% | $-37 |
| Valhermoso Springs | Cincinnati Insurance | $19 | -44% | $-34 |
| Vance | AIG | $28 | -32% | $-26 |
| Vandiver | AIG | $16 | -59% | $-47 |
| Verbena | AIG | $17 | -56% | $-43 |
| Vernon | AIG | $27 | -28% | $-21 |
| Vina | AIG | $27 | -30% | $-23 |
| Vincent | AIG | $17 | -57% | $-45 |
| Vinegar Bend | AIG | $26 | -37% | $-31 |
| Vinemont | AIG | $22 | -42% | $-33 |
| Vredenburgh | AIG | $20 | -48% | $-37 |
| Wadley | AIG | $19 | -50% | $-38 |
| Wagarville | AIG | $26 | -38% | $-32 |
| Ward | AIG | $26 | -37% | $-31 |
| Warrior | AIG | $23 | -45% | $-39 |
| Waterloo | AIG | $15 | -60% | $-44 |
| Watson | AIG | $19 | -56% | $-49 |
| Wattsville | AIG | $15 | -61% | $-48 |
| Waverly | Cincinnati Insurance | $24 | -31% | $-24 |
| Weaver | AIG | $18 | -53% | $-41 |
| Webb | AIG | $18 | -50% | $-37 |
| Wedowee | AIG | $19 | -49% | $-37 |
| Wellington | AIG | $18 | -54% | $-42 |
| Weogufka | AIG | $19 | -52% | $-41 |
| West Blocton | AIG | $26 | -36% | $-29 |
| West Greene | Cincinnati Insurance | $24 | -37% | $-31 |
| Westover | AIG | $16 | -61% | $-50 |
| Wetumpka | AIG | $25 | -37% | $-30 |
| Whatley | AIG | $26 | -36% | $-29 |
| Wilmer | AIG | $20 | -52% | $-45 |
| Wilsonville | AIG | $17 | -57% | $-46 |
| Wilton | AIG | $17 | -57% | $-46 |
| Winfield | Cincinnati Insurance | $23 | -30% | $-22 |
| Wing | AIG | $20 | -45% | $-33 |
| Woodland | AIG | $19 | -49% | $-37 |
| Woodstock | AIG | $26 | -36% | $-29 |
| Woodville | AIG | $13 | -65% | $-49 |
| York | AIG | $26 | -37% | $-30 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Alabama by Driver Age Group
We analyzed car insurance rates across Alabama for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from AIG, starting at $53 per month
- Adult drivers find the best deals with AIG, with rates from $22 per month
- Senior drivers see the most affordable coverage through AIG, beginning at $33 per month
Cheapest Car Insurance For Young Drivers in Alabama
Young drivers get the lowest rates from AIG, paying $53 per month ($640 annually) — about 60% below the state average. Cincinnati Insurance is another strong option at $64 per month, saving drivers around 52%.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| AIG | $53 | $640 | -60% | $-941 |
| Cincinnati Insurance | $64 | $765 | -52% | $-816 |
| Travelers | $88 | $1,060 | -33% | $-521 |
| Country Financial | $93 | $1,113 | -30% | $-468 |
| Auto Owners | $100 | $1,204 | -24% | $-377 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Alabama
AIG provides the most affordable coverage for adult drivers, averaging $22 per month ($268 annually), which is 60% below the state average. Cincinnati Insurance follows closely at $25 per month, helping drivers save about 55%.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| AIG | $22 | $268 | -60% | $-400 |
| Cincinnati Insurance | $25 | $299 | -55% | $-369 |
| Auto Owners | $44 | $522 | -22% | $-145 |
| Geico | $44 | $525 | -21% | $-142 |
| Travelers | $48 | $577 | -14% | $-91 |
Cheapest Car Insurance For Senior Drivers in Alabama
For seniors, AIG offers the lowest premiums at $33 per month ($393 annually), saving drivers about 57%. Cincinnati Insurance is also competitive at $45 per month, nearly 41% below the state average.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| AIG | $33 | $393 | -57% | $-518 |
| Cincinnati Insurance | $45 | $535 | -41% | $-376 |
| Geico | $61 | $731 | -20% | $-180 |
| Travelers | $63 | $752 | -17% | $-159 |
| Country Financial | $71 | $856 | -6% | $-56 |
Cheapest Car Insurance For High-Risk Drivers in Alabama
Your driving record is one of the biggest factors affecting car insurance rates in Alabama. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Alabama based on different driving records.
- Cheapest for Bad Credit: Cincinnati Insurance (From $54/mo)
- Cheapest With a DUI: AIG (From $24/mo)
- Cheapest With an Accident: AIG (From $27/mo)
- Cheapest With a Speeding Ticket: AIG (From $24/mo)
- Cheapest With a Texting While Driving Violation: AIG (From $25/mo)
Cheapest Car Insurance For Bad Credit in Alabama
Drivers with poor credit find the cheapest coverage with Cincinnati Insurance, at $54 per month ($645 annually) — about 56% cheaper than the state average. Other budget-friendly options include Country Financial at $103 per month and Geico at $105 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Cincinnati Insurance | $54 | $645 | -56% | $-834 |
| Country Financial | $103 | $1,238 | -16% | $-241 |
| Geico | $105 | $1,260 | -15% | $-219 |
| AIG | $106 | $1,270 | -14% | $-209 |
| Safeway Insurance | $117 | $1,402 | -5% | $-76 |
Cheapest Car Insurance With a DUI in Alabama
AIG provides the cheapest rates for drivers with a DUI, averaging $24 per month ($285 annually), which is 72% below the state average. Cincinnati Insurance is next at $50 per month, still saving drivers over 40% compared to typical premiums.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| AIG | $24 | $285 | -72% | $-739 |
| Cincinnati Insurance | $50 | $605 | -41% | $-420 |
| Travelers | $62 | $745 | -27% | $-280 |
| Country Financial | $75 | $904 | -12% | $-121 |
| Safeway Insurance | $91 | $1,086 | 6% | $62 |
Cheapest Car Insurance With an Accident in Alabama
After an accident, AIG is the most affordable option at $27 per month ($328 annually), cutting costs by 65% compared to the state average. Cincinnati Insurance follows with rates of $39 per month, saving drivers about 50%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| AIG | $27 | $328 | -65% | $-601 |
| Cincinnati Insurance | $39 | $465 | -50% | $-464 |
| Travelers | $59 | $712 | -23% | $-217 |
| Auto Owners | $64 | $767 | -17% | $-162 |
| Geico | $67 | $800 | -14% | $-129 |
Cheapest Car Insurance With a Speeding Ticket
After an accident, AIG is the most affordable option at $27 per month ($328 annually), cutting costs by 65% compared to the state average. Cincinnati Insurance follows with rates of $39 per month, saving drivers about 50%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| AIG | $24 | $285 | -64% | $-507 |
| Cincinnati Insurance | $28 | $339 | -57% | $-453 |
| Auto Owners | $55 | $659 | -17% | $-133 |
| Geico | $55 | $663 | -16% | $-129 |
| Travelers | $56 | $675 | -15% | $-117 |
Cheapest Car Insurance With a Texting While Driving Violation
For drivers ticketed for texting while driving, AIG leads with rates of $25 per month ($296 annually), about 63% below the state average. Cincinnati Insurance also offers low premiums at $28 per month, helping drivers save nearly 58%.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| AIG | $25 | $296 | -63% | $-510 |
| Cincinnati Insurance | $28 | $339 | -58% | $-467 |
| Auto Owners | $44 | $522 | -35% | $-283 |
| Geico | $54 | $648 | -20% | $-158 |
| Travelers | $62 | $745 | -8% | $-61 |
How to Get the Cheapest Car Insurance in Alabama
Finding affordable insurance companies is just one part of getting the best car insurance rates in Alabama. Here are proven ways to save the most on auto insurance.
- 1
Compare rates across regions
Premiums are typically higher in Birmingham, Mobile, and Montgomery than in smaller counties. Comparing multiple quotes ensures you don’t overpay.
- 2
Meet Alabama’s minimum requirements
Drivers must carry 25/50/25 liability coverage. While affordable, these limits often fall short in serious crashes.
- 3
Use discounts available in Alabama
Insurers in Alabama offer bundling, good student, paperless, and safe-driver discounts. Telematics programs are also widely available, rewarding safe driving habits.
- 4
Match coverage to Alabama’s risks
- Urban drivers may benefit from full coverage due to higher theft and accident risks.
- Coastal drivers should consider comprehensive coverage to protect against hurricane damage.
- Tornado-prone areas also see more weather-related claims, making comprehensive valuable statewide.
- 5
Apply through ALAIP if denied
The Alabama Automobile Insurance Plan (ALAIP) provides last-resort liability coverage for drivers rejected by standard insurers.
Risks of Getting the Cheapest Car Insurance in Alabama
Alabama requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Alabama, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Alabama gets hit with severe weather that damages cars regularly. Weather-related property damage averaged $3,890 per incident. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against tornadoes and severe storms that frequently hit Alabama.
Bodily injury damage is more likely to be higher than the minimum limits
Alabama's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. Average bodily injury claims in Alabama reached $22,340 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Alabama has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Alabama, according to the National Insurance Crime Bureau, with rates 20% above the national average. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Alabama
Alabama law requires all drivers to maintain liability insurance to operate a vehicle legally. The state follows an at-fault system, meaning the driver responsible for an accident must pay for the resulting damages. Insurance must include bodily injury and property damage liability, and while these limits satisfy legal requirements, many drivers choose higher coverage for added protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Cheap Car Insurance in Alabama: Bottom Line
AIG offers the lowest car insurance rates in Alabama for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Alabama: FAQ
Below, we answer common questions about car insurance to help you find the right coverage at affordable rates.
What are the cheapest car insurance companies in Alabama?
AIG provides the most affordable car insurance in Alabama, with average annual rates of $262 for minimum coverage and $848 for full coverage. Cincinnati, Auto-Owners, Travelers and GEICO also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Alabama?
AIG provides the most affordable rates for young drivers in Alabama, with monthly premiums starting at $53 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Alabama?
Senior drivers in Alabama can find the most competitive rates with AIG, offering policies for those 65 and older at an average of $33 per month for minimum coverage.
Who has the cheapest car insurance in Alabama for bad credit?
Cincinnati provides the most affordable rates for bad-credit drivers in Alabama, with monthly premiums averaging $56 for minimum coverage and $149 for full coverage.
Who has the cheapest car insurance in Alabama with an accident?
AIG offers the most affordable car insurance rates for Alabama drivers with an accident history, starting at $27 per month for minimum coverage.
Who has the cheapest car insurance in Alabama with a DUI?
AIG provides the cheapest car insurance after a DUI in Alabama, with rates of $23 monthly for minimum coverage and $76 monthly for full coverage.
Who has the cheapest car insurance in Alabama for those with a speeding ticket?
Alabama drivers with a speeding ticket can find the lowest insurance rates with AIG, charging $23 monthly for minimum coverage and $76 for full coverage.
Should you buy the cheapest car insurance in Alabama?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. AIG balances low prices with solid coverage options in Alabama.
How We Found the Most Affordable Car Insurance in Alabama
MoneyGeek collected auto insurance data from the Alabama Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Alabama.
Alabama Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Alabama
We compared car insurance companies in Alabama that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Alabama.
The minimum coverage liability limits in Alabama are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed September 15, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed September 15, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed September 15, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed September 15, 2025.