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25 Years of insurance experience
78.5M Quotes reviewed
170 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re in Alabama, your monthly cost for full coverage car insurance is $176, which adds up to $2,107 per year. For minimum coverage, expect to pay an average of $43 monthly, or $514 a year.

Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle.

If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.

Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates.

Average car insurance cost in Alabama

If you live in Alabama can expect to pay an average of $176 per month for full coverage car insurance – that’s $2,107 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $43 monthly or $514 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.

Cheapest car insurance companies in Alabama

Travelers has the cheapest rates, at an average annual cost of $1,677 or $140 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also stands out for its affordable premiums, with an average cost of $142 per month or $1,709 annually.

While these insurance companies have some of the lowest average rates in Alabama, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

Affordable car insurance providers in Alabama

Graph
Table
Company nameAverage per month costAverage annual cost
Travelers$140$1,677
GEICO$142$1,709
Country Financial$153$1,840
Nationwide$164$1,963
Auto-Owners$186$2,227
Progressive$204$2,452
Allstate$210$2,524
Farmers$252$3,024
USAA*$130$1,556
*USAA is only available to military community members and their families.
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Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Alabama

Your car insurance cost largely comes down to the coverage limits you pick.

If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $43 a month, or about $514 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.

For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.

On average, drivers in Alabama pay around $176 per month, or roughly $2,107 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.

Coverage limitsAverage annual cost
State minimum liability-only$514
Liability only$703
Full coverage$2,107
Non-owner state minimum liability$389
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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Alabama by city

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Average car insurance cost in Alabama by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Birmingham, Mobile or Montgomery, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Dothan or Auburn pay significantly low insurance rates, on average between $1,866 and $1,929 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

CityAverage annual cost
Dothan$1,866
Auburn$1,929
Madison$1,936
Decatur$1,940
Huntsville$1,954
Tuscaloosa$2,093
Hoover$2,107
Montgomery$2,140
Mobile$2,224
Birmingham$2,306
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Average car insurance cost in Alabama by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Alabama, based on age and gender.

Average car insurance cost in Alabama for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Alabama pays an average of $4,426 annually for car insurance, compared to $4,013 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $2,603 per year for male drivers and $2,506 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$4,426$4,013
21$3,410$3,115
22$3,165$2,925
23$2,929$2,753
24$2,787$2,641
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Average car insurance cost in Alabama for adult drivers

An adult driver aged 25-60 in Alabama pays $2,118 annually for full coverage, or around $177 each month. Women in the same age group pay $2,090 per year or $174 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$2,603$2,506
30$2,280$2,245
35$2,199$2,172
40$2,105$2,108
45$2,038$2,045
50$1,958$1,948
55$1,882$1,856
60$1,882$1,841
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Average car insurance cost in Alabama for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,911 annually, while women pay $1,845.

By 70, average rates go up to $2,055 for men and $1,965 for women. At age 75, costs increase further, reaching $2,291 for men and $2,133 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,911$1,845
70$2,055$1,965
75$2,291$2,133
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Minimum car insurance requirements in Alabama

Whether you’re buying your first insurance policy or just moved to Alabama, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in Alabama must carry at least the following minimum liability coverage:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $25,000

Cheapest cars to insure in Alabama

Your car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.

Chevrolet TrailBlazer tops the list for cheapest car to insure in Alabama at an average cost of $1,739 a year, followed closely by Hyundai Venue at $1,803 per year.

The table below outlines the vehicles with the lowest insurance costs.

Make ModelAverage annual premium
Chevrolet TrailBlazer$1,739
Hyundai Venue$1,803
Honda CR-V$1,832
Honda HR-V$1,846
Toyota Corolla Cross$1,890
Kia Seltos$1,898
Mini Cooper Electric$1,904
Jeep Wrangler$1,906
Chevrolet Express$1,909
Honda CR-V Hybrid$1,909
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Most expensive cars to insure in Alabama

Maserati Quattroporte is one of the most expensive vehicles to insure in Alabama, with an average annual cost of $7,530.

Below is a list of the costliest vehicles to insure in Alabama and their average premiums.

Make ModelAverage annual premium
Maserati Quattroporte$7,530
Maserati Ghibli$6,647
Mercedes-AMG EQS$5,586
Nissan GT-R$5,464
BMW M8 Gran Coupe$5,323
Audi S8$5,212
Audi RS7$5,123
Porsche 911 GT3$5,062
Chevrolet Corvette E-Ray$5,044
Mercedes-AMG G63$4,980
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Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

  • Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
  • State minimum limits
  • Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

  • Young drivers aged 20-24
  • Adult drivers aged 25-26
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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