What Are My Options for Cheap Car Insurance in Alabama?

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Car insurance in Alabama is slightly cheaper than the national average, but not all companies offer the cheapest rates or the best coverage. Our own rate estimates suggest that Geico, USAA and Alabama nationwide can be affordable options for drivers. Read on to learn about the cheapest companies for different types of drivers.

We recommend getting free car insurance quotes from several leading providers to find the best option for your needs.

In this article:

  • Cheapest Car Insurance in Alabama

  • 5 Car Insurance Companies in Alabama

  • Alabama Car Insurance Requirements

  • How to Get Car Insurance in Alabama

  • Frequently Asked Questions

  • our methodology

Cheapest Car Insurance in Alabama

Our rate estimates show that USAA is the cheapest car insurance in Alabama overall, costing $809 per year. After that, Geico, Nationwide, Travelers and State Farm are all affordable options. Our rate estimates apply to full coverage insurance for a 35 year old driver with good credit and a clean driving record.

We’ll also look at costs for different driving conditions below.

car insurance company

Estimated Annual Cost*

USAA

$809

Geico

$993

nationwide

$1,025

passenger

$1,269

state Farm

$1,349

allstate

$1,372

auto-owner

$1,377

progressive

$1,384

How much does car insurance cost in Alabama?

According to data from the National Association of Insurance Commissioners (NAIC), car insurance in Alabama is slightly less expensive than the national average. In 2018, Alabama drivers paid about $905 for car insurance, compared to the national average of $1,057. These numbers include both minimum coverage and full coverage policies.

In order of cost, Alabama ranks 31st out of 50 states. Average rates in some states are 50% higher than in Alabama. Of course, what you pay for coverage depends on your individual situation.

Cheapest Alabama Car Insurance for Young Drivers

According to our full coverage rate estimates, Geico is generally the cheapest option in Alabama for drivers in their early 20s. Young drivers with a good driving record can receive prices from the company for as low as $1,116 per year. We found that the USAA was only slightly more expensive than the Geico.

car insurance company

Estimated Annual Cost*

Geico

$1,116

USAA

$1,141

passenger

$1,540

allstate

$1,610

nationwide

$1,652

Cheapest Alabama Car Insurance for Speeding Ticket Drivers

Having a recent speeding ticket will increase your auto insurance rates. Our research has shown that for Alabama drivers with speeding tickets, USAA is significantly cheaper than the competition. After that, Geico, Nationwide, State Farm and Allstate offer cheaper rates.

car insurance company

Estimated Annual Cost*

USAA

$927

Geico

$1,224

nationwide

$1,326

state Farm

$1,470

allstate

$1,524

Cheapest Alabama Car Insurance for Drivers with Recent Accidents

USAA is generally cheaper than many other companies for Alabama drivers who have had a recent accident on record. Our rate estimates suggest it can be as cheap as $1,178, while other providers start at around $1,600.

car insurance company

Estimated Annual Cost*

USAA

$1,178

Geico

$1,609

state Farm

$1,652

passenger

$1,756

nationwide

$1,757

Cheapest Alabama Car Insurance for Drivers with Bad Credit

Aside from having a DUI, almost nothing can drive up car insurance rates as much as a bad credit score. Not all states allow credit to affect your rates, but Alabama does. USAA is generally the cheapest full coverage option here, followed by Geico and Nationwide.

car insurance company

Estimated Annual Cost*

USAA

$1,361

Geico

$1,514

nationwide

$1,619

passenger

$2,230

allstate

$2,262

5 Car Insurance Companies in Alabama

When choosing a car insurance provider, price is important, but so are factors such as reputation and customer service. Here we have reviewed five options for car insurance companies in Alabama.

Alabama Car Insurance Companies

overall rating

coverage rating

cost rating

1. Geico

9.1

8.5

8.5

2. USAA

9.1

8.5

9.5

3. Nationwide

8.2

9.0

7.0

4. Passenger

8.0

9.0

7.5

5. Liberty Mutual

8.5

8.5

7.5

* Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Alabama.

1. Geico

Geico is one of the cheapest options for an insurance policy in Alabama for many types of drivers. The company has high industry ratings, and offers a wide selection of car insurance discounts that apply to many drivers. With Geico, you can get all the standard car insurance coverage options and extras including classic car insurance, mechanical breakdown insurance and rideshare insurance.

Geico highlights include:

  • 16 discount

  • A+ rating from the Better Business Bureau (BBB)

  • AM Best. Financial Rating from A++

2. USAA

Our rate estimates show that USAA is the cheapest provider in Alabama overall. However, not everyone is eligible for coverage. You can get USAA car insurance if you are a military member or a veteran, or if you have close family in service.

USAA is known for providing reliable customer service, and it scores high in numerous J.D. Power industry studies. USAA’s Access-Based Program, SafePilot®, also available in Alabama. This program can be a good option for people who work from home or drive less.

USAA highlights include:

3. Nationwide

Nationwide offers cheaper rates in Alabama, especially for drivers with recent speeding tickets or bad credit. In Alabama, You Can Get SmartRide Nationwide® App to get discounts based on safe driving habits. According to the company’s website, you can get 10% off on signing up and up to 40% off if you are a good driver. Additional coverage options from Nationwide include accident forgiveness, roadside assistance and gap insurance.

Nationwide highlights include:

  • 9 discount

  • A+ rating with BBB accreditation

  • AM Best. From A+ Financial Rating

  • Above average scores in the JD Power Auto Claims Satisfaction Study

4. Passenger

Our rate estimates show the Traveler to be an affordable option overall, especially for younger drivers in Alabama. The company offers a number of additional options, such as new car replacement, rideshare coverage, roadside assistance and accident forgiveness. Travelers also has strong industry ratings from BBB and AM Best.

Highlights of travelers include:

  • 12 discount

  • A+ rating from BBB

  • AM Best. Financial Rating from A++

5. Liberty Mutual

Liberty Mutual can be a good option for drivers in Alabama. Liberty Mutual offers additional coverage options including new car replacement, improved car replacement, gap coverage and original parts replacement.

Liberty Mutual highlights include:

  • 17 discount

  • A+ rating with BBB accreditation

  • AM best. Financial Rating of A to

  • Tied for No. 1 Large Auto Insurer in J.D. Power Insurance Shopping Study

Alabama Car Insurance Requirements

According to the Alabama Department of Insurance, all drivers are required to carry liability coverage with a minimum limit of 25/50/25. This means $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability.

Liability car insurance does not cover your vehicle if you cause an accident or collide with a stationary object. It also does not cover any of your medical bills if you cause an accident. Finally, it won’t help if an underinsured or underinsured driver causes an accident and cannot cover the damage. To cover these situations, consider adding:

How to Get Car Insurance in Alabama

Geico, USAA, and Nationwide are all great options for car insurance in Alabama. However, what is best for someone else may not be best for you. Compare car insurance rates from multiple providers to see which one offers the best coverage and prices.

Frequently Asked Questions

How much is car insurance per month in Alabama?

According to our rate estimates, full coverage Alabama car insurance for good drivers can cost from $70 to $100 per month, depending on the company. The monthly cost can go beyond this depending on your situation.

What Car Insurance Is Required in Alabama?

The state of Alabama requires drivers to carry liability insurance in the amount of 25/50/25. This insurance covers injuries to other parties and property damage in accidents you do. It does not cover damage to your car or injuries that occur after an accidental accident.

How Do I Get Car Insurance in Alabama?

To get car insurance in Alabama, you can shop online with any of the major providers. You can also contact insurance companies’ agents or independent agents who can compare companies for you.

our methodology

We have developed a rating system to generate our ranking of car insurance companies. We collected data on dozens of auto insurance providers to grade companies on a wide range of ranking factors. The end result was an overall rating for each provider.

Here are the factors our ratings take into account:

  • Prestige: Our research team considers market share, ratings from industry experts and years in business when giving this score.

  • availabilityAuto insurers with greater state availability and few eligibility requirements scored highest in this category.

  • coverageCompanies that offer a variety of options for insurance coverage are more likely to meet the needs of the consumer.

  • CostAuto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into account.

  • customer experience: This score is based on the volume of complaints reported by NAIC and customer satisfaction ratings reported by JD Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team, based on our own buyer analysis.

*Exact data at the time of publication.

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