Average Cost of Car Insurance in Alabama (2022 Rates) Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Powered by Coverage.com (NPN: 19966249) Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Average cost of car insurance in Alabama for 2022
Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Updated Nov 01, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X There are over in Alabama, according to the 2018 U.S. Department of Transportation Highway Statistics. Since drivers are , learning about car insurance rates in Alabama could be a helpful budgeting tool for drivers in the Cotton State. The average cost of car insurance in Alabama is $469 for minimum coverage on an annual basis and $1,623 for a full coverage policy, but what you pay will depend heavily on your driving habits and circumstances. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in Alabama
Alabama car insurance rates are calculated based on numerous factors in addition to location. Your age, gender, marital status, vehicle and driving history all affect your premium. Other variables such as the number of miles driven and credit score are also used. Since all of these factors hold a different weight with each carrier, it is even more important to compare multiple carriers to ensure you are getting the best rate for your financial situation, The in the U.S. is $565 per year for minimum coverage and $1,674 for a full coverage policy, which means Alabama's average rates align with the national average. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Alabama car insurance rates by company
Comparing carriers gives you a snapshot of the in your area, especially if you need to find the for your budget. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $593 $2,138 $414 $1,313 American Independent $877 $3,110 $408 $1,699 Donegal $798 $1,606 $406 $1,432 $322 $1,423 $884 $2,441 $516 $1,573 Safeway $492 $1,825 $449 $1,470 $374 $1,071 $361 $1,230 Alabama car insurance rates by city
Not only does where you live influence the amount you pay for premiums, but so does the exact zip code where you live and mostly drive. These rates greatly vary even among the top 20 cities by population in Alabama. City Average annual premium for full coverage % increase in average annual premium Birmingham $1,764 9% Montgomery $1,642 1% Mobile $1,750 8% Huntsville $1,581 -3% Tuscaloosa $1,636 1% Dothan $1,527 -6% Madison $1,542 -5% Decatur $1,522 -6% Hoover $1,646 1% Auburn $1,543 -5% Bessemer $1,730 7% Florence $1,514 -7% Phenix City $1,726 6% Gadsden $1,586 -2% Vestavia Hills $1,669 3% Prattville $1,625 0% Trussville $1,716 6% Enterprise $1,519 -6% Opelika $1,564 -4% Northport $1,637 1% Alabama car insurance rates by age
Age is a major factor when it comes to auto insurance premiums, and it's the same in Alabama. Typically, as you get older, your premiums can decrease, as you can see with these average full coverage premiums. Age Average annual premium in Alabama $2,714 $6,127 $4,247 $2,191 $1,900 $1,623 $1,604 $1,559 $1,703 Alabama car insurance rates by driving record
As you might expect, a moving vehicle violation, such as a speeding ticket or accident, leads to an increase in premiums in Alabama. A DUI conviction is likely to increase your premium significantly. Driving incident Average annual full coverage premium in Alabama % increase in average annual premium Speeding ticket $1,959 17% Accident $2,393 32% DUI $3,121 48% How to save on car insurance in Alabama
There are several ways to save on in Alabama, some of which require little to no time or effort to access the savings. Shop around: is a fantastic way to save on your policy. Rates vary from one company to another, and some offer rates hundreds of dollars more or less than the next carrier. By shopping around, you can and get the exact coverage options you want for your policy. Take advantage of discounts: Almost all carriers offer a wide range of discounts, which allows you to take advantage of more significant savings. These discounts come from simple tasks such as enrolling in paperless statements and setting up auto-pay. Or you can take a defensive driving class or install an app for monitoring your driving habits, all of which provide potential savings. Bundle your policies: Often, one of the most significant discounts on a policy is to bundle it with the same carrier you use for your homeowners/renters/condo. Raise your deductible: The higher your deductible, the lower your premiums will be. However, keep in mind that a higher deductible means you pay more money out of pocket should you need to file a claim. Improve your credit score: While this may be a long-term approach, improving your credit score will usually positively impact your premiums. A higher score means you pay less for your premiums since you are considered less of a financial risk to the carrier. Frequently asked questions
No, it is not a requirement to purchase uninsured or underinsured motorist coverage in Alabama. However, Alabama currently ranks 7th overall for the , with over 19% of the residents driving uninsured. Adding this optional coverage could provide additional payments for vehicle damage or medical payments if you are involved in an accident with someone without insurance.
In Alabama, car insurance rates depend on various personal factors, including your age, zip code, gender, vehicle type, daily miles driven, and credit score. Your rates are specific to you and can only be determined by receiving a quote - preferably from - to find the best cost and coverage options.
No, Alabama is not a and instead is considered an at-fault one. An at-fault state means the insurance company of the person ruled at fault for the accident has to pay for property damage and/or medical payments for the other driver or drivers involved. This is yet another reason to make sure you have adequate insurance coverage in case you are the responsible party. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Written by Sara Coleman Insurance Contributor Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.