Fast, Free Auto Insurance Quotes

Auto insurance in Alabama can be expensive. This "Sweet Home" state in the southeastern region of the United States is more than half covered in plains that lead to the Mississippi River and south to the Gulf of Mexico. With a population of over 4.8 million people, there are many drivers on the roads and it can be difficult to find cheap car insurance in the state. We analyzed data provided by EverQuote users to help Alabama drivers evaluate quotes from auto insurance companies and identify the cheapest options. Our analysis shows that the cost of car insurance can vary a lot depending on where you live. The cost of insurance also varies quite a bit from one auto insurance company to another. To ensure that you receive the lowest rate possible, we recommend shopping around and comparing auto insurance quotes from several companies. Enter your ZIP code above to start searching today, or learn more by reading the rest of this study.


Cheapest Auto Insurance in Alabama

We compared the median monthly car insurance payments reported by EverQuote users in Alabama. To ensure a direct comparison, we considered the profile of a single male driver with a clean driving record insuring a full-size or mid-size vehicle. The table below provides some helpful information for drivers. Take a look at the monthly payments for the ten cheapest car insurance carriers ranked from lowest to highest.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 AAA / Auto Club $1,080 $90
2 The General $1,248 $104
3 Farmers $1,308 $109
4 USAA $1,332 $111
5 Safeway Insurance $1,338 $112
6 Safeway Insurance Co of AL $1,362 $114
7 Nationwide $1,380 $115
State Average $1,380 $115

Fast, Free Auto Insurance Quotes

Across the entire state of Alabama, AAA is consistently reported as the lowest-cost car insurance choice, with an average monthly payment of only $90. Other affordable alternatives include The General, Farmers and USAA auto insurance. Some of the average monthly costs only differ by a few dollars, but those savings can add up over a year’s time. Compare your quotes to see the greatest savings and find the cheapest auto insurance for your location.

Cheapest Car Insurance in Alabama by City}

We also looked at drivers’ reported rates in different Alabama cities, using the same driver profile (a single male with a clean driving record insuring one full-size or mid-size vehicle). We found that the cost of car insurance varies a lot from city to city. Depending on where you live, you may see a cheaper auto insurance rate. For example, Montgomery, the capital city of Alabama and the historic center of events and protests during the Civil Rights Movement, sees the lowest auto insurance costs, with an average yearly cost of $1,200. The nearby city of Birmingham’s average cost is nearly $200 higher.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Montgomery $1,200 $100
2 Huntsville $1,230 $103
3 Mobile $1,380 $115
State Average $1,380 $115
4 Tuscaloosa $1,392 $116
5 Birmingham $1,404 $117

Methodology For This Study

EverQuote collected self-reported monthly premiums from over two million users looking to save money on car insurance. This data, along with those users' current auto insurance company and ZIP code at the time of the survey, allowed us to produce the analysis on cheapest carriers you see here. EverQuote users differ from one another in several ways and that can also affect the price of their car insurance. The age and gender of a driver as well as the number of drivers and vehicles in a household are just a few of factors that can influence the cost of car insurance. To ensure a lateral comparison of our numbers, we compared the premiums reported by a subset of users who are similar to one another.