1. Home
  2. auto insurance

Cheap Car Insurance in Alabama 2019

Save hundreds today by comparing quotes from the nation’s top insurance companies

shield No junk mail. Instant results. Always free.

ProgressiveLiberty MutualRoot
The GeneralAmerican FamilyElephant
shield

Fast, Free Auto Insurance Quotes

shield No junk mail. Instant results. Always free.



Average Alabama auto insurance 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

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 increase after a speeding ticket

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

State Clean driving record Speeding ticket % increase
Alabama $1,626/year$2,134/year31%
Nationwide average 26%

Average insurance premiums 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

You must show an insurance ID card (or other proof of financial responsibility) in Alabama when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your vehicle is involved in a car accident

Penalties for not having auto insurance in Alabama

Operating a vehicle without the minimum insurance results in a license suspension:

  • First violation: the department will terminate the suspension upon payment by the owner of a $200 reinstatement fee
  • Second or subsequent violation within the preceding four years will result in suspension for four months and a $400 reinstatement fee

Source: Property Casualty Insurers Association of America.

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 Aug. 20, 2019