Alabama Car insurance calculator

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If you drive in Alabama, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Alabama car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Alabama, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Alabama:

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

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.

Does your vehicle model affect car insurance rates in Alabama?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Alabama is $2,232, while the average premium for a Honda CR-V is $1,832 – that’s a difference of $400 annually.

Does your car’s model year affect insurance rates in Alabama?

In Alabama, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $3,608, compared to $2,266 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Alabama, you must have at least the minimum liability coverage to drive legally. This typically includes:

Bodily injury liability per person and per accident
Property damage liability

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Alabama can result in fines, license suspension or vehicle impoundment.

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

Birmingham

Huntsville

Mobile

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How your car’s trim affects insurance rates in Alabama

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Alabama, full coverage car insurance for a 2023 Honda Accord LX costs $3,608 a year, while the higher-end Accord EX-L trim costs $3,006 annually – a difference of $602 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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How much drivers pay for car insurance in Alabama

In Alabama, the average cost of full-coverage car insurance is $2,107 per year or $176 per month. Your premium may be higher or lower depending on your chosen coverage limits.

Below, you’ll find estimated costs for different coverage levels in Alabama, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,107	$176
Liability Only – 50/100/50 BI/PD	$703	$59
State Minimum BI/PD	$514	$43
Non-Owners	$389	$32

How much is car insurance in Alabama by city

Your location plays a significant role in determining car insurance rates in Alabama. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Annemanie pay $2,384 per year for coverage, while those in Cottonwood pay $1,866 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in Alabama

City	Avg. Annual Premium	Avg. Monthly Premium
Cottonwood	$1,866	$156
Dothan	$1,866	$156
Webb	$1,868	$156
Ashford	$1,874	$156
Cowarts	$1,878	$156
Enterprise	$1,883	$157
Ozark	$1,903	$159
Fort Rucker	$1,904	$159
Muscle Shoals	$1,905	$159
Sheffield	$1,907	$159
Mooresville	$1,908	$159
Pansey	$1,909	$159
Tanner	$1,911	$159
Leighton	$1,912	$159
Hartford	$1,913	$159
Tuscumbia	$1,917	$160
Foley	$1,924	$160
Newton-Midland City	$1,926	$160
Bay Minette	$1,927	$161
Geneva	$1,927	$161

Top 20 cities with most expensive car insurance in rates Alabama

City	Avg. Annual Premium	Avg. Monthly Premium
Annemanie	$2,384	$199
Morvin	$2,371	$198
Oak Hill	$2,339	$195
Arlington	$2,338	$195
Furman	$2,336	$195
Holy Trinity	$2,334	$195
St. Elmo	$2,329	$194
Mc Williams	$2,327	$194
Fairfield	$2,323	$194
Nanafalia	$2,320	$193
Thomaston	$2,316	$193
Pine Hill	$2,312	$193
Alberta	$2,309	$192
Birmingham	$2,306	$192
Catherine	$2,306	$192
Tarrant	$2,306	$192
Fort Mitchell	$2,304	$192
Boykin	$2,297	$191
Faunsdale	$2,297	$191
Camden	$2,294	$191

Want to know what you’ll pay? Try our Alabama car insurance calculator

Our Alabama car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

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

Washington, D.C.$3,394/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

Shivani Gite

Contributing Writer

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.

On this page

How to use our car insurance calculator to estimate your rates in Alabama:
Does your vehicle model affect car insurance rates in Alabama?
Does your car's model year affect insurance rates in Alabama?
How your car's trim affects insurance rates in Alabama
How much drivers pay for car insurance in Alabama
How much is car insurance in Alabama by city
Want to know what you'll pay? Try our Alabama car insurance calculator

Alabama car insurance calculator