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Best Cheap Alabama Car Insurance

Enter your Alabama zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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The words “economical” and “insurance” probably shouldn’t be used in the same sentence, especially when you are looking for the best price on coverage in Alabama. In an attempt to save some money, let’s take a look at a few of the factors that impact auto insurance premiums, and find a few ways to reduce the price of the next policy you buy.

One of the many components that aid in calculating the amount you pay for auto insurance is where you call home in Alabama. Areas with a lot of weather claims or more people like Mobile, Prichard, and Homewood tend to have higher auto insurance costs, whereas areas with less crime or weather claims receive better rates.

The illustration below sorts the priciest cities in Alabama in which to buy car insurance.

How much is auto insurance in Alabama?
Rank City Average Per Year
1 Mobile $1,455
2 Birmingham $1,436
3 Prichard $1,427
4 Bessemer $1,393
5 Homewood $1,392
6 Hoover $1,368
7 Vestavia Hills $1,365
8 Northport $1,336
9 Alabaster $1,336
10 Phenix City $1,326
11 Montgomery $1,325
12 Anniston $1,318
13 Gadsden $1,313
14 Tuscaloosa $1,307
15 Prattville $1,305
16 Auburn $1,283
17 Enterprise $1,279
18 Madison $1,279
19 Daphne $1,276
20 Athens $1,275
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Rates are comparative as the specific geographic location can revise coverage rates significantly.

The vehicle you are insuring is probably the most important factor when comparing low-priced car insurance in Alabama. Vehicles with higher performance, poor safety ratings, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The next tables features coverage premiums for a number of the cheaper automobiles to buy insurance for.

Insurance Rates for Popular Cars in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $800 $400 $67
Ford Focus SES 4-Dr Sedan $826 $413 $69
Honda Civic Hybrid 4-Dr Sedan $858 $429 $72
Hyundai Elantra Blue 4-Dr Sedan $826 $413 $69
Kia Optima SX $916 $458 $76
Toyota Camry SE $842 $421 $70
Toyota Corolla XRS $858 $429 $72
Volkswagen Jetta 2.0T 4-Dr Sedan $858 $429 $72
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify prices significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $874 $437 $73
Chevrolet Traverse LTZ AWD $750 $375 $63
Ford Escape XLT 4WD $692 $346 $58
Ford Explorer Limited AWD $816 $408 $68
GMC Acadia SLE AWD $800 $400 $67
Honda CR-V EX-L 2WD $692 $346 $58
Honda Fit Sport VSA $692 $346 $58
Honda Pilot Touring 4WD $816 $408 $68
Jeep Grand Cherokee Limited 2WD $858 $429 $72
Kia Sportage LX 2WD 4-Dr $742 $371 $62
Nissan Pathfinder LE 4WD $816 $408 $68
Subaru Forester XT Limited Edition AWD $808 $404 $67
Toyota Highlander 2WD $758 $379 $63
Toyota RAV4 Limited 2WD $800 $400 $67
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in your specific Alabama location which can raise or lower prices substantially.

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Auto Insurance Rates for Popular Pickup Trucks in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 4WD $676 $338 $56
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $890 $445 $74
Chevrolet Silverado LS Regular Cab 4WD $742 $371 $62
Dodge Ram 2500 Mega Cab SLT 2WD $958 $479 $80
Dodge Ram Quad Cab TRX4 Off Road 2WD $874 $437 $73
Ford F-150 XLT Crew Cab 2WD $758 $379 $63
Ford F-250 XL Super Cab Harley Turbo Diesel 4WD $1,042 $521 $87
GMC Canyon SLE Regular Cab 2WD $742 $371 $62
GMC Sierra SL Extended Cab 2WD $800 $400 $67
Toyota Tundra Regular Cab 2WD $800 $400 $67
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can raise or lower coverage prices significantly.

Finding out which company quotes the cheapest auto insurance rates in Alabama will involve a bit more effort in order to find the lowest price quote. Each insurance company uses different criteria to set premium rates, so we need to take a look at the most budget-friendly auto insurance companies in Alabama.

It’s important that you understand Alabama auto insurance rates are impacted by many factors that may substantially change the price you have to pay. Simply having a birthday, moving to a different location, or getting a reckless driving citation can cause premium changes that can make some companies cheaper than before.

Enter your zip code below to view companies that have cheap auto insurance rates.

Alabama auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $791
2 Cincinnati Insurance $812
3 USAA $904
4 GEICO $1,019
5 Country $1,159
6 Auto-Owners $1,170
7 Safeway $1,182
8 Progressive $1,248
9 MetLife $1,368
10 State Auto $1,386
11 California Casualty $1,466
12 State Farm $1,563
13 Nationwide $1,642
14 ALFA $1,675
15 Allstate $1,854
16 Farmers $1,931
17 Safeco $2,607
18 Liberty Mutual $2,611
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Travelers offers some of the cheapest car insurance rates in Alabama at around $791 each year. Cincinnati Insurance, USAA, GEICO, and Country would also make the list of some of the more affordable Alabama auto insurance companies.

In the above example, if you have coverage with Country and switched to Cincinnati Insurance, you may realize annual savings of upwards of $347. Policyholders with Auto-Owners could save as much as $358 a year, and Safeway insureds might reduce rates by $370 a year.

If you want to find out if you’re overpaying, click here to get a free quote or feel free to get quotes from the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.


Understand that those estimates are averages across all types of insureds and vehicles and and are not calculated with a rate discount in Alabama. So the insurer that is best for you may not even be shown in the list of companies shown earlier. That helps illustrate why you need to compare as many prices as possible using your own driver data and vehicle information.

Rate increases following a ticket or accident

The obvious way to maintain good auto insurance rates for drivers in Alabama is to be a good driver and have a clean driving record. The diagram below shows how traffic citations and accidents can drive up insurance premiums for different insured age categories. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

The data charted above shows the average cost of a car insurance policy in Alabama per year with no violations or accidents is $1,417. Get two speeding tickets and the average cost surges to $1,865, an increase of $448 each year. Then include two accidents along with the two speeding tickets and the yearly cost of auto insurance in Alabama increases to an average of $3,734. That’s an increase of $2,317, or $193 per month, just for being a little careless behind the wheel!

Selecting a high-quality insurance provider can be difficult considering how many choices there are in Alabama. The ranking information shown next may help you pick which car insurance companies you want to consider when trying to find the cheapest insurance in Alabama. The rankings below are only made up of companies with a nationwide focus, so companies that have a smaller presence are not factored into the list.

Top 10 Large Auto Insurers in Alabama Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Top 10 Large Auto Insurers in Alabama Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. Titan Insurance
  8. The General
  9. 21st Century
  10. Esurance

The diagram below demonstrates how choosing different deductibles can affect insurance rates when trying to find cheap insurance in Alabama. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could lower their policy premium by $434 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $656 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could potentially save as much as $1,278 every year by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have enough funds in savings to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.

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