Car insurance in Alabama | finder.com

Compare car insurance in Alabama

Alabama car insurance rates, coverage and cheap coverage

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Sunset at Orange Beach, Alabama

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Alabama

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,400

Average annual car insurance cost

30

Days to update your license

At-fault state

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

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare car insurance in Alabama

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$845,28023.7%
Alfa Mutual$503,35414.1%
Geico$386,21610.8%
Allstate$370,61010.4%
Progressive$283,3438.0%
USAA$263,0297.4%
National General$103,4412.9%
Nationwide$85,4762.4%
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$231
Alfa$289
Allstate$313
Safeco$415
Metromile$521
Country Financial$600
Progressive$830
21st Century$920
Auto-Owners$921
State Farm$926

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
Allstate$361
21st century$1211
Metromile$701
Progressive$883
Geico$873

Car insurance quotes in Montgomery

CompanyAnnual car insurance rate
Allstate$363
21st century$1069
Metromile$624
Progressive$924
Geico$870

Car insurance quotes in Madison

CompanyAnnual car insurance rate
Allstate$313
21st century$1025
Metromile$703
Progressive$844
Geico$785

Car insurance quotes in Mobile

CompanyAnnual car insurance rate
Allstate$417
21st century$1280
Metromile$758
Progressive$982
Geico$845

Car insurance quotes in Tuscaloosa

CompanyAnnual car insurance rate
Allstate$342
21st century$1053
Metromile$668
Progressive$826
Geico$793

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 an car insurance policy. However, Alabama doesn’t require UM/UIM coverage.

Do I need to 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 to 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

Bottom line

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

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Frequently asked questions about car insurance in Alabama

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