Cheap Auto Insurance in Alabama (2023)

Auto-Owners is the cheapest car insurance company in Alabama, with monthly rates starting at $36 for liability coverage.

Jacqueline DeMarco
Written byJacqueline DeMarco
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Jacqueline DeMarco

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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications

  • Corporate communications director for Insurance Information Institute

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated September 20, 2023

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Car insurance in Alabama is significantly cheaper than national averages. On average, full-coverage auto insurance costs $170 per month in the Yellowhammer state, while liability averages $67 per month. By comparison, the national average for full and liability-only coverage is $172 and $106 per month, respectively, according to Insurify data.

The state's comparatively low population density of less than 100 people per square mile, and it's mid-sized population, may contribute to Alabama's lower car insurance costs. The number of older vehicles on the road in Alabama may also be a factor. The average age of a car in Alabama is 13.2 years, according to car enthusiast website Motor1. Generally, older cars can be cheaper to insure; they're typically less expensive to repair and no longer require full coverage.

Auto-Owners, USAA, and State Farm are the cheapest car insurance companies in Alabama. But you may be able to find even lower rates by comparing quotes from multiple car insurance companies. If you’re on a budget, here’s how to find cheap car insurance in Alabama.

Quick Facts

  • Alabama’s average full-coverage rate is significantly lower than the national average rate.

  • The minimum car insurance requirements in Alabama are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.[1]

  • Auto-Owners has the cheapest average liability-only rates in Alabama, and USAA has the cheapest average full-coverage rates.

Cheapest car insurance companies in Alabama

Which auto insurance company is right for you will entirely depend on your own individual situation and needs. But to help you jumpstart your research, here are the top car insurance companies for Alabama drivers.

Find Car Insurance in Alabama

Rates start as low as $36/mo. for liability coverage

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Cheapest insurance for seniors: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo

For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. The company also provides standard coverage policies. Today, Direct Auto sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct Auto operates in just 16 states. The company has an A+ rating from AM Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.


Pros

  • Drivers 55 and older can qualify for a senior citizen discount by completing an accident-prevention course

  • Homeowner discounts, multi-policy discounts, and multi-car discounts available

  • Roadside assistance and emergency protection plans available

Cons

  • Not all products and discounts available in all states

  • Many negative customer reviews and complaints

  • May not be the best option for drivers with clean records

Really hard to get in contact with

Andrew - January 9, 2023
Verified

Had a great quote

Chelse - October 3, 2022
Verified

Good customer service and rates

Charles - August 14, 2022
Verified
Read our Direct Auto review

Cheapest insurance for teens: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$124/mo

In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros

  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons

  • Numerous online complaints

  • Quotes may be higher than some competitors

My monthly payments are too high.

Brett - January 17, 2023
Verified

They’ve had good rates for more than five years.

Diana - January 17, 2023
Verified

They have the best prices for car insurance.

Charde - December 23, 2022
Verified
Read our National General review

Cheapest for short-term car insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo

With zero down payments, hidden fees, and the ability to start with as little as three days of coverage, Hugo provides flexibility and affordability for drivers seeking short-term coverage. The insurer’s excellent Trustpilot ratings reflect its commitment to making insurance accessible and tailored to each person's needs.

Pros

  • Short-term coverage available

  • High Trustpilot rating

Cons

  • No mobile app available

  • No discounts advertised

Very helpful in times of need.

Alessandra - July 14, 2023
Verified

I love it.

Jamaica - July 12, 2023
Verified
Read our Hugo review

Cheapest liability-only car insurance in Alabama: Auto-Owners

In car insurance, liability-only coverage ensures protection against liability for injuries and damages you cause to others and excludes coverage for your own vehicle and injuries.

This type of insurance typically includes bodily injury liability, covering medical expenses and legal fees resulting from injuries to others, and property damage liability, which handles repairs or replacement of damaged property.

If you’re interested in finding the insurance companies offering the cheapest average liability insurance policies in Alabama, here are top insurers in the state.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Insurance CompanyAverage Monthly QuoteIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners364.0
USAA364.3
State Farm374.4
COUNTRY Financial404.3
Allstate404.1
Travelers504.2
National General523.1
GEICO544.2
Direct Auto613.2
State Auto643.8
Progressive663.9
Farmers673.7
Foremost683.3
AssuranceAmerica692.2
Safeco713.6
Clearcover813.1
Midvale Home & Auto893.2
Liberty Mutual973.7
Bristol West1222.2
GAINSCO1333.1
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Cheapest full-coverage car insurance in Alabama: Auto-Owners

Liability-only insurance covers damages and injuries caused to others, whereas full-coverage insurance includes additional protection for your vehicle. Full-coverage insurance includes collision and comprehensive coverage, which covers repairs, theft, and non-collision incidents. Full-coverage car insurance is particularly beneficial for drivers with newer or higher-value vehicles.

Here are the companies with the cheapest average full-coverage policies in Alabama.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio
Insurance CompanyAverage Monthly Quote
Auto-Owners68
State Farm68
USAA68
Allstate74
COUNTRY Financial75
Travelers100
GEICO101
Nationwide110
Direct Auto113
Clearcover120
National General124
Progressive124
AssuranceAmerica125
Farmers126
Safeco130
Midvale Home & Auto154
State Auto172
Foremost174
Liberty Mutual182
GAINSCO220
Bristol West276
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Alabama

In Alabama, drivers must meet 25/50/25 minimum-coverage requirements.[1] Here’s how that coverage breaks down:

illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

Bodily injury liability per person

$25,000

illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

Bodily injury liability per accident

$50,000

illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

Property damage liability per accident

$25,000

Examples of optional coverage you can buy generally include:[2]

  • Collision coverage: This reimburses you for car damage from collisions when you’re at fault, excluding mechanical failure and wear and tear. This coverage includes collisions with other vehicles, or with objects like trees, fences, and light poles. It also covers rollover accidents.

  • Comprehensive coverage: This protects against theft and non-collision incidents like fire, flood, vandalism, hail, and falling objects.

  • Glass coverage: This includes no-deductible windshield coverage, plus side windows, rear windows, and glass sunroofs.

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Rates by driving history

Some driving infractions can increase your insurance premiums due to causing concern that you’re more likely to file an auto insurance claim. These incidents include at-fault car accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]

For example, drivers in Alabama with Safeco insurance spend an average of $94 per month on their policy if they have a clean record, but they spend $187 if they experience a DUI.

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets can cause a significant rise in car insurance costs. Insurance companies consider drivers with speeding violations as higher-risk and more likely to be involved in accidents. As a result, insurance premiums tend to increase for drivers with a speeding ticket on their record.[3]

A speeding ticket in Alabama can raise liability rates, on average, from $67 per month to $106. The table below shows the monthly liability rates of the cheapest insurance companies in Alabama for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio
Insurance CompanyClean RecordWith Ticket
Auto-Owners3257
USAA3257
State Farm3359
COUNTRY Financial3563
Allstate3563
Travelers4479
National General4682
GEICO4785
Direct Auto5496
State Auto56101
Progressive58104
Farmers59106
Foremost60108
AssuranceAmerica61109
Safeco62112
Clearcover71128
Midvale Home & Auto78141
Liberty Mutual85153
Bristol West107193
GAINSCO117210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Having at-fault accidents on your record can significantly affect your premiums. Insurance companies view these accidents as a potential risk for future claims, which leads to increased rates.[3] If you have an at-fault accident on your driving record, it’s crucial to carefully consider your insurance options. Some companies offer accident forgiveness coverage, which can keep your premiums stable after your first at-fault accident.

Drivers with at-fault accidents in Alabama face average full-coverage rates of $271 and $107 for liability coverage. The following table outlines the cheapest liability auto insurance companies for drivers with at-fault accidents on their driving record in Alabama.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio
Insurance CompanyClean RecordWith Accident
Auto-Owners3257
USAA3257
State Farm3359
COUNTRY Financial3564
Allstate3564
Travelers4480
National General4683
GEICO4786
Direct Auto5497
State Auto56102
Progressive58105
Farmers59107
Foremost60108
AssuranceAmerica61110
Safeco62113
Clearcover71129
Midvale Home & Auto78142
Liberty Mutual85155
Bristol West107194
GAINSCO117212
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

DUIs can significantly affect your car insurance expenses due to the increased risk they represent to insurance companies. If you have a DUI on your record, anticipate a substantial rise in your insurance premiums or even for your company to not renew your policy.[4]

Alabama drivers with a DUI on their motor vehicle records pay an overall average of $212 per month for car insurance. To find the most affordable insurance companies for drivers with a DUI in Alabama, take advantage of the table below, which outlines the average cheapest options for liability coverage.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio
Insurance CompanyClean RecordWith DUI
Auto-Owners3265
USAA3265
State Farm3366
COUNTRY Financial3572
Allstate3572
Travelers4490
National General4693
GEICO4797
Direct Auto54109
State Auto56115
Progressive58118
Farmers59120
Foremost60122
AssuranceAmerica61124
Safeco62127
Clearcover71145
Midvale Home & Auto78160
Liberty Mutual85174
Bristol West107219
GAINSCO117239
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Car insurance rates typically decline around age 25 as drivers gain more experience and become less prone to accidents. However, insurance premiums may start to increase around age 70 due to factors that can lead to a higher risk of accidents, such as decreased vision, reaction time, and overall physical capabilities.[5]

On average, car insurance for seniors costs $117 per month for full coverage and $46 for a liability-only policy. If you’re a senior driver in Alabama looking for the cheapest car insurance companies, check out the following table showing average monthly rates from top insurers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio
Insurance CompanyFull CoverageLiability Only
Auto-Owners4725
State Farm4726
USAA4725
Allstate5128
COUNTRY Financial5228
Travelers6935
GEICO7037
Direct Auto7842
Clearcover8356
AssuranceAmerica8648
National General8636
Progressive8646
Farmers8746
Safeco9049
Midvale Home & Auto10661
State Auto11944
Foremost12047
Liberty Mutual12667
GAINSCO15292
Bristol West19184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Car insurance rates for young drivers are generally higher compared to adults due to their lack of driving experience and higher accident risk.[3] As a teen, you can still find ways to get cheaper car insurance.

Remaining on your parents’ insurance policy can often result in more affordable rates. And if you're a minor, you won't be able to buy your own policy without written consent from a parent or guardian. Choosing a safe car with highly rated safety features can also help lower insurance costs. Additionally, maintaining good academic performance may make you eligible for a good student discount. If you attend college a certain distance away from home, you may also qualify for a student-away-at-school discount.

The overall monthly average cost of car insurance for teens in Alabama is $222. To find the cheapest insurance companies for teen drivers in Alabama, refer to the table below, which highlights the average monthly rates of the cheapest options.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio
Insurance CompanyFull CoverageLiability Only
Auto-Owners12868
State Farm12870
USAA12868
Allstate13975
COUNTRY Financial14175
Travelers18894
GEICO190101
Direct Auto212115
Clearcover225152
National General23398
Progressive233124
AssuranceAmerica235130
Farmers237126
Safeco244133
Midvale Home & Auto289167
State Auto323120
Foremost327128
Liberty Mutual342182
GAINSCO413250
Bristol West519229
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Alabama

Many factors influence how much you pay for car insurance coverage in Alabama. Curious about how to snag affordable car insurance rates in Alabama? Consider these insights:

  • A clean driving record is key — avoid accidents and traffic violations to show insurance companies you aren’t likely to file claims.

  • Assess whether higher collision and comprehensive deductibles suit your financial situation, as a higher deductible leads to lower premiums.

  • Maximize savings by bundling multiple policies (like home or life insurance) with a single insurer.

  • Inquire about discounts tied to safety features, like anti-theft devices or airbags.

  • Shop around and compare quotes from different insurers to see which company can offer you the amount of coverage you need for the best price.

Learn More: The Guide to Car Insurance Discounts

Learn More: The Guide to Car Insurance Discounts

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Alabama car insurance quotes by credit tier

In Alabama, car insurance companies can factor in credit history when determining premiums. Excellent or good credit scores typically lead to lower rates, whereas poor credit scores may result in higher insurance costs. Why do Alabama insurance companies take credit history into account?

“Each insurer creates its own proprietary credit-based insurance score which incorporates elements of a consumer’s credit history. Actuarial studies show that how a person manages their financial affairs is a good predictor of insurance claims,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Statistically, people with a low insurance score are more likely to file a claim.”

The chart below shows how credit scores influence average monthly insurance quotes in Alabama. 

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Alabama car insurance FAQs

If you’re looking for affordable car insurance in Alabama, this additional information may help. You can also check out Insurify’s guides on how to lower your car insurance premiums for more information on finding the cheapest insurance.

  • How much is car insurance in Alabama?

    Car insurance in Alabama costs an average of $170 a month for full-coverage insurance and $67 a month for liability-only insurance.

  • Who has the cheapest car insurance in Alabama?

    Auto-Owners, USAA, and State Farm have the cheapest average liability rates in Alabama, according to Insurify data. Auto-Owners's liability rates start as low as $36 per month, while USAA and State Farm offer rates as low as $36 and $37, respectively.

    Even though these are the cheapest car insurance companies in the state, you should still compare quotes from multiple companies to see which one offers the best price for the coverage you need.

  • What are the best car insurance companies in Alabama?

    USAA, State Farm, and Auto-Owners are Insurify’s picks for best car insurance companies in Alabama. These insurers have high IQ Scores, above-average J.D. Power ratings, and affordable average rates.

  • Is Alabama a no-fault state?

    No. Alabama is an at-fault state. Drivers who cause accidents, or carry the majority of the fault for an accident, are responsible for compensating other parties for injuries and property damage.[6]

  • Does Alabama require uninsured/underinsured motorist coverage?

    Alabama requires insurance companies to include uninsured/underinsured motorist coverage in every policy they sell in the state. But drivers can opt out of it by rejecting it in writing.

    However, it's a good idea to have UI/UIM coverage, which can help pay for your damages and medical costs if someone driving without insurance, or too little insurance, causes an accident. It can also pay for costs associated with a hit-and-run accident.

  • How many Alabama drivers are uninsured?

    In Alabama, 19.5% of drivers are uninsured, according to the most recent data in a 2021 Insurance Research Council report.[7]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

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More cities in Alabama

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Sources

  1. Alabama Department of Insurance. "Automobile Insurance FAQs." Accessed June 9, 2023
  2. III. "Auto insurance basics—understanding your coverage." Accessed June 9, 2023
  3. III. "What determines the price of an auto insurance policy?." Accessed June 9, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed June 9, 2023
  5. III. "Senior driving safety and insurance tips." Accessed June 9, 2023
  6. Nolo. "Alabama Car Insurance Laws." Accessed June 9, 2023
  7. Insurance Research Council. "One in Eight Drivers Uninsured." Accessed June 9, 2023
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

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Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications

  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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