Cheap Car Insurance in Alabama

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Finding cheap car insurance in Alabama

Looking for cheap car insurance in Alabama? See average premiums by company and city so you can see how prices compare. 

Because Alabama car insurance rates vary considerably by company, it's important to compare quotes if you're looking to save money. You can potentially save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in Alabama for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle. Your own rates will be different. 

(click to see review)
Average monthly premium
Nationwide $113
State Farm $120
USAA $120
Allstate $124
Progressive $130
Geico $133
Source: EverQuote. See full methodology below.

Keep in mind that the cheapest car insurance company in Alabama for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims. The cheapest company could also change if you move, add a driver or change your coverage. 

Recent auto insurance rate changes approved by Alabama

Even if you have a good driving record, you could get a car insurance rate increase at renewal time.

Rate increases are not uncommon in recent years. Auto insurers often point to a rise in car accidents, higher car-repair costs and higher medical bills as reasons for rate increases.

Auto insurance companies must file proposed rate increases and decreases with the state. Below are rate changes recently approved by the Alabama department of insurance. These rate changes may not affect all customers in the state. If you are affected by a rate change, you'll get a notice at renewal time. The effective dates below indicate when the rate change will start rolling out.

Company Effective date Rate change % 

(   ) = decrease

Garrison Property and Casualty Insurance Company,

United Services Automobile Association,

USAA Casualty Insurance Company,

USAA General Indemnity Company

5/8/18 6.000
GEICO General Insurance Company,

GEICO Indemnity Company,

Government Employees Insurance Company

5/4/18 3.700
Bristol West Insurance Company 4/19/18 2.300
Permanent General Assurance Corporation 3/20/18 6.900
Integon Indemnity Corporation 3/9/18 2.300
Source: S&P Global Market Intelligence

Alabama car insurance rates after a speeding ticket

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Alabama who had a speeding ticket on their records compared to those who didn't. Here are the average rate differences.

On driving record Average monthly premium difference vs. clean record in Alabama
Speeding ticket 26%
Source: EverQuote. See full methodology below.

Just because you have a spotty driving record doesn't mean you can't potentially find a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Alabama drivers are speeding and using their phones while driving.

Alabama car insurance rates by city

We also analyzed Alabama car insurance rates reported by EverQuote users in various cities. Drivers in Huntsville reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Huntsville $119
Mobile $126
Montgomery $128
Birmingham $131
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Alabama

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Other ways to save generally include:

  • Ask your insurance agent to review the possible auto insurance discounts.
  • Find out from your agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 29, 2018

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