Cheap Car Insurance in Alabama 2019

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Finding cheap Alabama auto insurance

If you're looking for cheap car insurance in Alabama, one of the best ways to get a good price is to shop around and compare quotes. That's because rates can vary by hundreds of dollars a year among insurers for the same coverage.

We've analyzed average premiums reported by EverQuote users so you can see how prices compare for Alabama drivers. (See methodology at the bottom of the page.)

Sections:

  Alabama auto insurance vs. the U.S. average
  
Average premiums by company
  
Insurance increases after a speeding ticket
  
Average premiums in Alabama cities
  
Find cheap Alabama auto insurance

Alabama auto insurance vs. the U.S. average

Average premiums for Alabama drivers with good records are slightly lower than the national average:

  • $1,626/year Alabama average.
  • $1,684/year national average.

Average Alabama premiums by company

Company
(click for reviews)

Average annual premium in Alabama

Safeco

$1,446

Safeway Insurance

$1,499

USAA

$1,503

Travelers Insurance

$1,543

The General

$1,560

Nationwide Insurance

$1,565

State Farm

$1,597

Allstate

$1,639

Liberty Mutual

$1,669

Geico

$1,706

Esurance

$1,707

Auto-Owners Insurance

$1,716

Progressive Insurance

$1,725

Farmers Insurance

$1,781

AAA Insurance/Auto Club

$1,782

National General

$1,785

Insurance increases in Alabama after a speeding ticket

Alabama drivers who get a speeding ticket see an average insurance increase of 31%.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Alabama $1,626 $2,134 31%
Nationwide average 26%

Average insurance paid in Alabama cities

City Average annual premium
Anniston

$1,647

Bessemer

$1,792

Birmingham

$1,706

Decatur

$1,812

Dothan

$1,474

Florence

$1,505

Gadsden

$1,714

Huntsville

$1,468

Madison

$1,525

Mobile

$1,618

Montgomery

$1,633

Phenix City

$1,712

Tuscaloosa

$1,626

How to find cheap Alabama auto insurance

  • Compare car insurance quotes from a few insurance companies.
  • Keep a clean driving record with no car accident, tickets or insurance claims.
  • Ask your auto insurance agent to review the available car insurance discounts.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your auto insurance company to get a "bundling" discount.
  • If you're buying a car, get insurance quotes for the cars you're considering so you're not surprised by the insurance bill later.

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Feb. 20, 2019

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