Alabama Car insurance calculator

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Car insurance rates in Alabama are influenced by more than just your ZIP code. Your car, level of coverage and driving record all matter – and the gap between the lowest and highest premiums can be hundreds of dollars each year. Enter a few details below to get a quick estimate of what you may pay.

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

Getting an estimate takes less than a minute. Follow these steps:

Choose your car’s model year
Select the make and model
Pick Alabama as your state
Click ‘Get My Rates’ to view your estimate
Add additional vehicles to explore more options, or click ‘Get quotes’ to compare real-time rates

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Vehicle year

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Acura Integra

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Alabama

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State Minimum$619/year

Liability coverage$970/year

Full Coverage$2,389/year

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

Data last refreshed in 2026

What affects your car insurance rate in Alabama?

Your car’s make, model, year and trim
Your location within Alabama
Your coverage level
Your driving history, credit score and vehicle storage

Does your vehicle model affect car insurance rates in Alabama?

A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.

Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.

For example, full coverage for a Honda Accord LX costs $2,333 per year in Alabama, while a Honda CR-V averages $1,935 – a difference of $398.

A popular car doesn’t always mean cheaper insurance

High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle.

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

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In Alabama, insuring a 2024 Honda Accord LX costs $2,206, while the 2025 version costs $2,255.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

Check your state’s minimum coverage requirements

Each state sets minimum insurance requirements, including Alabama. To drive legally, you’ll need liability coverage that typically includes:

Bodily injury liability per person and per accident
Property damage liability

According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even 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

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Birmingham

Huntsville

Mobile

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How does your car’s trim affect insurance rates in Alabama?

Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.

For example, in Alabama, full coverage for a 2024 Honda Accord LX costs $2,206 annually, while the Accord EX-L trim costs $2,252 – a difference of $46.

Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk.

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That upgrade can cost more than you expect

Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance.

How much does car insurance cost in Alabama?

The average cost of full coverage car insurance in Alabama is $2,116 per year, or $176 per month. That figure is a useful starting point, but your actual rate can land well above or below it depending on your vehicle, coverage choices, and personal profile.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,116	$176
Liability Only – 50/100/50 BI/PD	$610	$51
State Minimum BI/PD	$574	$48
Non-Owners	$469	$39

People also ask:

What is full coverage car insurance?

Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It can also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements.

How do car insurance rates vary by city in Alabama?

Your location within Alabama can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.

Full coverage costs $2,369 per year in Oak Hill, compared to $1,893 in Cottonwood.

Top 20 cities with cheapest car insurance rates in Alabama

These cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.

City	Avg. Annual Premium	Avg. Monthly Premium
Cottonwood	$1,893	$158
Webb	$1,896	$158
Hartford	$1,912	$159
Foley	$1,918	$160
Dothan	$1,919	$160
Ashford	$1,924	$160
Geneva	$1,926	$160
Mooresville	$1,927	$161
Cowarts	$1,928	$161
Fairhope	$1,928	$161
Tanner	$1,928	$161
Sheffield	$1,931	$161
Bay Minette	$1,932	$161
Chancellor	$1,934	$161
Florence	$1,934	$161
Fort Rucker	$1,934	$161
Killen	$1,934	$161
Ozark	$1,936	$161
Muscle Shoals	$1,937	$161
Slocomb	$1,937	$161

Top 20 cities with most expensive car insurance rates in Alabama

These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.

City	Avg. Annual Premium	Avg. Monthly Premium
Oak Hill	$2,369	$197
Arlington	$2,368	$197
Holy Trinity	$2,362	$197
Mc Williams	$2,361	$197
Tyler	$2,358	$196
Sweet Water	$2,348	$196
Linden	$2,345	$195
Gallion	$2,343	$195
Goodway	$2,342	$195
Myrtlewood	$2,338	$195
Annemanie	$2,337	$195
Boykin	$2,331	$194
Seale	$2,331	$194
Thomasville	$2,328	$194
Coffeeville	$2,323	$194
Nanafalia	$2,316	$193
Demopolis	$2,315	$193
Gordonville	$2,312	$193
Morvin	$2,312	$193
Thomaston	$2,312	$193

If you’re moving within Alabama, check insurance rates before you go

Relocating from a rural area to a larger city can increase your annual premium by hundreds of dollars – even if everything else stays the same.

Frequently asked questions

What is the average cost of car insurance in Alabama?

The average cost of full coverage car insurance in Alabama is $2,116 per year, or $176 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state.

How can I lower my car insurance premium in Alabama?

The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up.

Does my credit score affect car insurance rates in Alabama?

In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether Alabama has any restrictions on this practice.

Sources:

Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026.

Estimate your Alabama car insurance cost with our calculator

Our Alabama car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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 does your car's trim affect insurance rates in Alabama?
How much does car insurance cost in Alabama?
How do car insurance rates vary by city in Alabama?
Frequently asked questions
Estimate your Alabama car insurance cost with our calculator

Alabama car insurance calculator