$22/mo
$24/mo
$37/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Alabama pays on an average of $936 for six months for car insurance, which is less than the national average. Cincinnati offers cheap and the best rates in Alabama.
Cincinnati offers the cheapest liability coverage in Alabama at $22/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Alabama ↓
Auto-Owners Insurance Co provides cheap full insurance coverage in Alabama at $84/month, offering excellent value.
Read about the cheapest full coverage companies in Alabama ↓
Cincinnati is the cheapest option after an at-fault accident in Alabama at $34 per month.
Read more about best car insurance companies after at-fault accident in Alabama ↓
Cincinnati was named the best overall by J.D. Power and AM Best, making it a top pick among Alabama’s best car insurers.
Check out the full list of the best car insurance companies in Alabama ↓For drivers looking to meet Alabama minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Alabama is widely available from providers like Cincinnati at $22/month. If you opt for Farmers you will have to pay at least $127/month for your car insurance premium, which is the highest in Alabama.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $131 | $22 |
| Mercury | $143 | $24 |
| Country Financial | $220 | $37 |
| Auto-Owners Insurance Co | $226 | $38 |
| USAA | $226 | $38 |
| State Farm | $232 | $39 |
| Travelers | $249 | $42 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Auto-Owners Insurance Co offers the cheapest car insurance for full coverage in Alabama at $84 per month. On the other hand Farmers offers the most expensive rate at $334 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $505 | $84 |
| State Farm | $659 | $111 |
| Travelers | $713 | $120 |
| Country Financial | $731 | $123 |
| Cincinnati | $754 | $127 |
| USAA | $778 | $131 |
| Auto-Owners | $832 | $140 |
Get Your Car Insurance Quote in Alabama Instantly!
Cincinnati stands out as the best car insurance provider in Alabama, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Country Financial is a top pick for drivers seeking value and reliability.
Cincinnati offers a six-month premium of $255, which amounts to approximately $43 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Country Financial is $279, which is higher than Cincinnati's by $24. Their higher monthly premium is, due to their strict policies on traffic violations.
Travelers's premium is $309, which is significantly more expensive than Country Financial's by $30. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $255 | $43 |
| Country Financial | $279 | $47 |
| Travelers | $309 | $51 |
| State Farm | $333 | $57 |
| Auto-Owners Insurance Co | $362 | $60 |
| USAA | $778 | $132 |
| Auto-Owners | $784 | $131 |
Teens and young drivers in Alabama often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Alabama is
$2865 for 6 months, which is more than the national average.
Cincinnati is the best options for cheap
car insurance for young drivers in Alabama.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $143 | $24 |
| Country Financial | $226 | $38 |
| Travelers | $1396 | $235 |
| USAA | $1693 | $285 |
| State Farm | $1764 | $297 |
| Auto-Owners | $2691 | $458 |
| Allstate | $3475 | $585 |
Car insurance rates in Alabama have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Alabama rose by $198 in Nov compared to $195 of Oct. In other words, there has been an increase by $3 when you compare Nov and Oct.
The average cost of liability insurance in the Alabama rose to $50 in Nov, compared to $49 in Oct. This represents an increase of $1 when comparing Nov and Oct.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Cincinnati gives you the cheapest car insurance rate after an at-fault accident in Alabama at $34/month. On the other hand Farmers is the most expensive option at $472/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $202 | $34 |
| Auto-Owners Insurance Co | $315 | $54 |
| Country Financial | $315 | $53 |
| Safeway | $392 | $66 |
| Travelers | $570 | $96 |
| State Farm | $636 | $107 |
| USAA | $790 | $133 |
If you are living in Alabama you should opt for Auto-Owners Insurance Co. Auto-Owners Insurance Co ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Alabama, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Alabama may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Alabama after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $974 | $162 |
| One Med/PIP claim | $974 | $166 |
| One comp claim | $1004 | $167 |
| Two Med/PIP claims | $1004 | $171 |
| Not-at-fault accident | $1010 | $168 |
| Two comp claims | $1057 | $180 |
| Driving without lights | $1158 | $193 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Alabama is Cincinnati at $46 per month. Farmers at $453 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $273 | $46 |
| Country Financial | $368 | $62 |
| Travelers | $701 | $118 |
| State Farm | $1051 | $177 |
| USAA | $1176 | $198 |
| Allstate | $1241 | $209 |
| Progressive | $1247 | $210 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Huntsville | $826 | $139 |
| Montgomery | $897 | $151 |
| Mobile | $933 | $157 |
| Birmingham | $956 | $161 |
| Hartford | $980 | $167 |
| Fort Novosel | $986 | $164 |
| Newton | $986 | $168 |
| Opp | $986 | $164 |
| Ozark | $986 | $168 |
| Black | $992 | $165 |
| Daleville | $992 | $169 |
| Geneva | $992 | $165 |
