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Compare car insurance in Alabama

Get the cheapest car insurance in Alabama for 2020


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Sunset at Orange Beach, Alabama

If you plan to drive in Alabama, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Alabama’s average annual car insurance cost of around $1,400.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

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  • Broad coverage, including for custom car parts or ridesharing
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  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance in Alabama

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$845,28023.7%
Alfa Mutual$503,35414.1%
National General$103,4412.9%
Liberty Mutual$83,6952.3%
Farmers Insurance$81,9962.3%

Average car insurance costs in Alabama

Alabama’s on the cheap side for car insurance, but watch out for some of its unique driving laws. Costs can vary wildly from person to person, depending on the provider and a number of outside factors. But as a state, Alabama sits near the median cost for car insurance nationwide, which is between $110 and $130 a month for an annual total of approximately $1,400.

Factors that can influence your insurance cost include your driving record, your age and the type of vehicle you drive. Location-based factors can come into play as well, like crime rates where you live or work. The climate can even affect your rates if you live in a place known for extreme blizzards or hurricanes because you’re more likely to use comprehensive coverage for flood damage, falling tree limbs or an ice-related accident.

If you live near a city, you could expect rates to go up too, since accidents are more common in cities than in rural areas. In a state like Alabama, which doesn’t have as many cities with heavy traffic as California or Florida, this is less likely to affect you.

Cheapest car insurance rates in Alabama

CompanyAverage annual rateLearn more
USAA$231Read review
Allstate$313Get a quote
Country Financial$600Read review
Progressive$830Get a quote Read review
21st Century$920Read review
State Farm$926Read review

Which city has the cheapest car insurance in Alabama?

Of Alabama’s largest cities, Madison has the cheapest rates and Mobile has the most expensive car insurance rates. Mobile drivers could face rates 4 times more than Madison drivers.

Car insurance quotes in Birmingham

CompanyAnnual car insurance rate
21st century$1211

Car insurance quotes in Montgomery

CompanyAnnual car insurance rate
21st century$1069

Car insurance quotes in Madison

CompanyAnnual car insurance rate
21st century$1025

Car insurance quotes in Mobile

CompanyAnnual car insurance rate
21st century$1280

Car insurance quotes in Tuscaloosa

CompanyAnnual car insurance rate
21st century$1053

State minimum car insurance requirements in Alabama

State minimum requirements for car insurance vary by state. To fulfill car insurance laws in Alabama, you must carry liability insurance that includes at least:

  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $25,000 for property damage.

When shopping for car insurance, you may see these liability limits written as 25/50/25.

Some states require drivers to carry uninsured/underinsured (UM/UIM) motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by a car insurance policy. However, Alabama doesn’t require UM/UIM coverage.

Can I get SR-22 insurance in Alabama?

An SR-22 is a form that lets the state know that you’re carrying at least the minimum for auto liability insurance so you can legally drive again. It is used as confirmation of insurance for high-risk insurance policies, often after major driving infractions:

The regulations and methods for obtaining an SR-22 vary from state to state. You’re required to file an SR-22 in Alabama if:

  • Your driver’s license is suspended or revoked
  • You’re caught driving without proof of insurance
  • You’re found guilty of a DUI, DWI or reckless driving

How to file an SR-22 in Florida

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Bottom line

To drive in Alabama, you’ll need to purchase liability insurance or set up alternative means to payout at least $50,000. Research your car insurance options to find the cheapest coverage for your needs when driving in Alabama.

Frequently asked questions about car insurance in Alabama

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