If you’re looking to save big bucks on car insurance in Alabama, picking one of these vehicles might help you do just that. Also, check out how you can find the best car insurance in Alabama quotes below
With an average car insurance rate of $1689 for a comprehensive policy, Alabama ranks among the cheapest states in terms of the cost of insuring a vehicle. In fact, it ranks 21st out of all 50 states and costs around $60 less per year to insure a vehicle in Alabama.
While car insurance rates mostly depend on several factors, including your age, gender, location, credit score, etc., they are also based on the make and model of your vehicle, the safety features it offers, and how prone they are to car theft. After a little research, our data analysts have come up with a list of the top 10 vehicles that could help you find the lowest car insurance in Alabama quotes. Let’s take a look.
When comparing the average cost of car insurance for all models in Alabama, our team of data analysts found that it is way cheaper to insure a brand-new 2021 model than something a little older. We found the Subaru Forester to be the cheapest car to insure in Alabama, at an average yearly cost of $966 a year. It was followed by yet another crossover, the Honda CR-V, at $986 a year. Other cars that are equally cheap to insure are the Ford Edge, VW Atlas, Kia’s Sportage, Hyundai’s Venue, and the Mazda CX-3 and CX-5.
The most popular vehicle in the US, the Ford F-150, turned out to be the cheapest full-size truck in our study, with an average annual insurance cost of $1300 per year. The Toyota Tacoma led the list in terms of midsize trucks with an average cost of $1122 per year.
Top 10 vehicles to help you find cheap car insurance quotes in Alabama
- Subaru Forester
- Honda CR-V
- Mazda CX-3
- Kia Sportage
- Toyota C-HR
- Ford Edge
- Volkswagen Golf
- Mazda CX-5
- Subaru Crosstek
- Volvo XC40
Alabama car insurance requirements
If you intend to own and drive a vehicle in Alabama, then you must remember that it is mandatory to have car insurance in the state. If you get pulled over for speeding or any other violation, law enforcement officers can demand to see your car proof of insurance, and failing to provide one can lead to a fine of $500-$1000 and, in some cases, even jail time.
In Alabama, it is mandatory to have car insurance with 25/50/25 minimum liability coverage. That’s $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. However, it is never wise to drive your vehicle with just the minimum coverage required, as you could face a huge out-of-pocket expense to repair your car if it was involved in an accident. Besides, if your insurance package cannot cover the cost of damage to the other parties’ vehicle or hospital bills in the case of severe injury, you could be sued, and the chances of finding another insurance carrier become very slim.
In addition to minimum liability coverage, we suggest you opt for one or more of the following coverage options as well:
- Comprehensive: Protects your vehicle from non-collision accidents such as theft, bad weather, and hitting an animal.
- Collision: This coverage option will cover the damages if you collide with another car or object
- Gap coverage: This helps you pay the amount you still owe on the loan if your vehicle has been totaled in an accident
- MedPay: Medical payments coverage can help cover the medical expenses accrued by you or others in your vehicle that has been involved in an accident.
- Rental Car Reimbursement: This helps pay the cost of renting a car after an accident.
- Uninsured Motorist Bodily Injury: Thousands of people continue to drive their vehicles without a valid insurance cover. Having this additional cover can help you cover your bodily injury expenses if you are injured by a driver who has no insurance or doesn’t have adequate coverage to foot your bills.
How to find the cheapest car insurance quotes in Alabama
The best method to get cheap car insurance is by shopping around and obtaining quotes from different insurance providers. Since car insurance rates depend on many factors, you could get different quotes from different providers based on your age, gender, credit score, location, etc. If you find all this to be time-consuming, you could just visit the way.com website or download the way.com app, enter a few details and get cheap car insurance in Alabama quotes in under 10 minutes!