Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Alabama Average car insurance cost in Alabama A full-coverage car insurance policy in Alabama costs an average of $2,107 a year or $176 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Alabama, you can expect to pay an average of around $176 per month for full coverage car insurance, or $2,107 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $43 monthly or $514 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,107 Average per month cost $176 Average cost for state minimum coverage $703 / Year Cheapest car insurance company Travelers$1,677 / Year Average cost for young drivers $3,217 / Year Average cost for Senior drivers $2,033 / Year 012345 1 of 6 Average car insurance cost in Alabama If you’re a resident of Alabama, full coverage car insurance typically costs about $176 per month, adding up to $2,107 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $43, or $514 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in AlabamaTravelers provides the lowest full coverage rates, for an average cost of $1,677 per year or $140 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Alabama drivers at an average cost of $1,709 a year or $142 per month.Although these insurers offer some of the most affordable average rates in Alabama, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Alabama Graph Table Company nameAverage per month costAverage annual costTravelers$140$1,677GEICO$142$1,709Country Financial$153$1,840Nationwide$164$1,963Auto-Owners$186$2,227Progressive$204$2,452Allstate$210$2,524Farmers$252$3,024USAA*$130$1,556*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Alabama car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Alabama 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/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + 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 2026Powered by:Average cost of car insurance by coverage levels in AlabamaYour 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 costState minimum liability-only$514Liability only$703Full coverage$2,107Non-owner state minimum liability$389Powered by: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 citySee rates in your cityBirminghamHuntsvilleMobile Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Alabama by cityCar insurance rates can vary widely depending on where you live, even within Alabama.Cities like Birmingham, Mobile, or Montgomery tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Dothan or Auburn, with average annual premiums between $1,866 and $1,929.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costDothan$1,866Auburn$1,929Madison$1,936Decatur$1,940Huntsville$1,954Tuscaloosa$2,093Hoover$2,107Montgomery$2,140Mobile$2,224Birmingham$2,306Powered by:Average car insurance cost in Alabama by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Alabama for a full coverage policy based on your age and gender.Average car insurance cost in Alabama for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Alabama pay an average of $4,426 per year for car insurance, while females of the same age pay $4,013.But by the time you turn 25, insurance premiums drop to $2,603 a year on average for male drivers and $2,506 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,426$4,01321$3,410$3,11522$3,165$2,92523$2,929$2,75324$2,787$2,641Powered by:Average car insurance cost in Alabama for adult driversOn average, an adult male driver in Alabama pays $2,118 a year for full coverage or $177 per month. Women pay $2,090 a year or $174 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,603$2,50630$2,280$2,24535$2,199$2,17240$2,105$2,10845$2,038$2,04550$1,958$1,94855$1,882$1,85660$1,882$1,841Powered by:Average car insurance cost in Alabama for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,911 per year, while women pay $1,845. But by age 70, average premiums rise to $2,055 for men and $1,965 annually for women. At 75, rates increase even further – $2,291 for male drivers and $2,133 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,911$1,84570$2,055$1,96575$2,291$2,133Powered by:Minimum car insurance requirements in AlabamaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Alabama can help you avoid fines and make smarter choices about your coverage.Drivers in Alabama must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in AlabamaYour 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 premiumChevrolet TrailBlazer$1,739Hyundai Venue$1,803Honda CR-V$1,832Honda HR-V$1,846Toyota Corolla Cross$1,890Kia Seltos$1,898Mini Cooper Electric$1,904Jeep Wrangler$1,906Chevrolet Express$1,909Honda CR-V Hybrid$1,909Powered by:Most expensive cars to insure in AlabamaMaserati Quattroporte tops the list as the most expensive car to insure in Alabama, at an average annual cost of $7,530. Below is a list of the most expensive vehicles to insure in Alabama and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$7,530Maserati Ghibli$6,647Mercedes-AMG EQS$5,586Nissan GT-R$5,464BMW M8 Gran Coupe$5,323Audi S8$5,212Audi RS7$5,123Porsche 911 GT3$5,062Chevrolet Corvette E-Ray$5,044Mercedes-AMG G63$4,980Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull 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 limitsLiability-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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in AlabamaCheapest car insurance companies in AlabamaAverage cost of car insurance by coverage levels in AlabamaAverage car insurance cost in Alabama by cityAverage car insurance cost in Alabama by ageMinimum car insurance requirements in AlabamaCheapest cars to insure in AlabamaMost expensive cars to insure in AlabamaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330