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Cheap Auto Insurance Quotes for 16 Year Olds in Alabama

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 9, 2019

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You have probably seen the commercials from auto insurance companies like The General and GEICO that promise enormous savings. So you just need to pick the one with the catchiest commercial, right?

Unfortunately, it’s not that simple as there are a ton of unknown aspects like your prior traffic citations, your choice of physical damage deductibles, and how safe your vehicle is, that all go into determining the rate you pay. We will touch on these factors and others that can influence the price of auto insurance and will give you a good beginning to your search for cheaper coverage.

The vehicle requiring insurance is one of the largest considerations when trying to find cheap auto insurance for 16 year olds in Alabama. Vehicles with higher performance, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The next tables illustrates car insurance prices for some of the cheapest automobiles to insure in Alabama.

Car Insurance Rates for Popular Cars in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SE 4-Dr Sedan $4,552 $2,276 $379
Ford Fusion S 4-Dr Sedan $4,596 $2,298 $383
Honda Accord LX 4-Dr Sedan $3,872 $1,936 $323
Honda Civic LX 4-Dr Sedan $4,830 $2,415 $403
Hyundai Sonata GLS 4-Dr Sedan $4,950 $2,475 $413
Kia Optima SX $5,272 $2,636 $439
Toyota Corolla S $4,874 $2,437 $406
Volkswagen Jetta S 2.5 Station Wagon $4,192 $2,096 $349
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in vehicle location which can impact price quotes greatly.

Insurance Rates for Popular SUVs and Crossovers in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech Package 4WD $4,962 $2,481 $414
Buick Enclave CX 2WD $4,918 $2,459 $410
Chevrolet Traverse LT 2WD $3,960 $1,980 $330
Ford Escape XLT 2WD $3,872 $1,936 $323
Ford Explorer Eddie Bauer 4WD $4,640 $2,320 $387
GMC Acadia SLT AWD $4,640 $2,320 $387
GMC Terrain SLE 2WD $4,192 $2,096 $349
Honda CR-V LX 4WD $3,872 $1,936 $323
Honda Fit Sport VSA $3,956 $1,978 $330
Honda Pilot EX 4WD $4,364 $2,182 $364
Jeep Grand Cherokee Limited 2WD $4,918 $2,459 $410
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $5,040 $2,520 $420
Kia Sportage LX 2WD 4-Dr $4,276 $2,138 $356
Toyota Highlander Sport 2WD $4,640 $2,320 $387
Toyota RAV4 Sport 4WD $4,596 $2,298 $383
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Data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in garaging location in Alabama which can modify auto insurance rates substantially.

Car 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 2WD $4,552 $2,276 $379
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD $5,592 $2,796 $466
Chevrolet Silverado Crew Cab Hybrid 4WD $5,238 $2,619 $437
Dodge Ram Quad Cab Sport 4WD $5,316 $2,658 $443
Ford F-150 Lariat King Ranch 2WD $4,918 $2,459 $410
Ford F-250 King Ranch Crew Cab 4WD $5,638 $2,819 $470
GMC Canyon SLE Crew Cab 2WD $4,552 $2,276 $379
GMC Sierra SLE Extended Cab 4WD $4,918 $2,459 $410
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $4,640 $2,320 $387
Toyota Tundra Regular Cab 2WD $4,630 $2,315 $386
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in vehicle garaging location which can alter coverage prices greatly.

Finding good, low-priced car insurance is not easy, and deciding which companies quote the lowest-priced car insurance rates for 16 year olds will require even more perseverance. Insurance prices will more than likely be quite a bit greater than the average price in Alabama, with the increase attributed to the potential for higher claims related to selling coverage for new drivers, but economical coverage should be available if you are thorough. Each auto insurance company has their own guidelines for setting prices, so let’s begin by examining the car insurance companies that tend to have lower prices in Alabama.

It’s a good idea to know that Alabama car insurance rates are impacted by many things that can increase the price of your policy. Price variation is why Alabama drivers need to do a thorough rate comparison to find the most affordable insurance quotes for 16 year olds. Rates are impacted by many things and can change substantially, so the cheapest company six months ago may now be quite expensive.

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

What’s the cheapest car insurance in Alabama?
Rank Company Cost Per Year
1 Travelers $807
2 Cincinnati Insurance $836
3 USAA $895
4 GEICO $1,019
5 Auto-Owners $1,170
6 Country $1,171
7 Safeway $1,206
8 Progressive $1,286
9 State Auto $1,373
10 MetLife $1,381
11 California Casualty $1,466
12 State Farm $1,563
13 Nationwide $1,659
14 ALFA $1,675
15 Farmers $1,874
16 Allstate $1,930
17 Safeco $2,659
18 Liberty Mutual $2,691
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Travelers quotes some of the best car insurance rates in Alabama at around $807 annually. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also rank well as some of the cheaper Alabama car insurance companies.

As illustrated above, if you are insured with Auto-Owners and switched to Cincinnati Insurance, you could see yearly savings of around $334. Alabama drivers with Country might save as much as $335 a year, and Safeway policyholders might lower prices by $370 a year.

To find cheap auto insurance for 16 year olds in Alabama for your vehicle, click here to get quotes or click several companies below for low rates.

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

Remember that these estimates are averaged for all drivers and vehicles and do not factor in a rate increase for 16 year olds. So the company that fits you best may not even be in the chart above. That affirms the importance of why you need to get rate quotes using your own driver and vehicle profiles.

When shopping for cheaper auto insurance for new drivers, one of the many factors that auto insurance companies use to determine car insurance rates is where your car is garaged in Alabama. Cities with larger populations like Mobile, Birmingham, and Hoover tend to pay more, whereas areas with less traffic congestion and claims get the luxury of paying less.

The following table shows the priciest cities in Alabama for 16 year olds to buy auto insurance in.

Alabama cities ranked by car insurance cost
Rank City Average Per Year
1 Mobile $1,440
2 Bessemer $1,435
3 Birmingham $1,422
4 Prichard $1,371
5 Hoover $1,368
6 Montgomery $1,365
7 Vestavia Hills $1,365
8 Homewood $1,364
9 Gadsden $1,353
10 Phenix City $1,352
11 Prattville $1,344
12 Anniston $1,318
13 Tuscaloosa $1,307
14 Northport $1,297
15 Auburn $1,295
16 Athens $1,287
17 Alabaster $1,284
18 Huntsville $1,276
19 Enterprise $1,267
20 Opelika $1,256
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Information shown are estimated as the specific zip code location can affect premiums noticeably.

Rate difference between full and liability-only coverage

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Finding cheap auto insurance for 16 year olds in Alabama is important to most vehicle owners, and one way to buy cheaper insurance is to only buy liability coverage. The information below illustrates the comparison of insurance costs with full physical damage coverage and with liability coverage only. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

On average, physical damage coverage on your policy costs an extra $1,889 per year over and above liability coverage. Many of you may wonder if you should buy full coverage at all. There is no specific rule of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If premium cost is more than $400 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some scenarios where only buying liability is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Which auto insurance company is best?

When comparing rates for auto insurance, four companies you’ll want quotes from are Geico, Allstate, Progressive, and State Farm. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a slightly different mix of options and features that you can choose from. The following table rates ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.

Comparison of Top U.S. Car Insurance Companies
Geico Allstate Progressive State Farm
Overall Price 1st 4th 3rd 2nd
Policy Discounts 2nd 1st 4th 3rd
Overall Satisfaction 1st 2nd 3rd 4th
Claims Handling 3rd 1st 4th 2nd
Percent of U.S. market 11.4% 10% 8.8% 18.3%
Customers who recommend 87% 86% 88% 88%
Emergency roadside service Yes Yes Yes Yes
New car replacement insurance No Yes No No
Rate for vehicle usage No Yes Yes Yes
Mechanical breakdown insurance Yes No Yes No
Accident forgiveness coverage Yes Yes Yes No
Coverage for ridesharing Yes Yes Yes Yes
Insure in Alabama Yes Yes Yes Yes
Where to buy Both online and from Geico agents Only buy from Allstate agents Buy online or from an independent agent Can only buy from State Farm agents
Number of agents 150+ 11,000+ 30,000+ 18,000+
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How to find cheap auto insurance for 16 year olds in Alabama

The list below details many money-saving suggestions that can help you locate cheap car insurance.

  • Buy a vehicle with excellent safety ratings
  • Staying accident-free helps keep rates low
  • Try to pay small claims out-of-pocket
  • Better credit scores save money
  • Do not get tickets
  • Compare rate quotes frequently

That last tip is extremely valuable, as we pointed out in this write-up. Insurance rates in Alabama can be changed at any time, so drivers shouldn’t be resistant to switch carriers if you find a better deal.

Many drivers tend to have loyalty to a certain company, but is isn’t recommended if your bullheadedness ends up costing you several hundred dollars every year. If you have a few minutes, shop around to find cheaper auto insurance for 16 year olds.

Who has the cheapest insurance quotes for new drivers?

You have many ways to quote and buy car insurance in Alabama, but the most prevalent are either through an independent or non-exclusive agent, a captive (or exclusive) agent like Auto-Owners or State Farm, or direct from companies such as Geico or Progressive.

They all follow the same basic process, but they differ in how they provide price quotes.

Independent insurance agents work with multiple companies and can get policy pricing from all of them. Independent agents have the option to give you more rates, which may provide you with improved odds of finding cheaper coverage. If a cheaper rate is found, it’s simple to move the policy and you don’t have to find a new agent.

An agent who is captive is only able to write with one company, for example an Auto-Owners or Allstate agent. Exclusive agents generally are unable to place coverage with different providers, so it’s a take it or leave it situation.

The last way is buying direct, which means you bypass either of the other two types of agents and buy direct online or over the phone from a company like Progressive or Geico. Buying car insurance direct can be good for families who have an average risk profile and have some degree of understanding of what coverages, limits, and deductibles they need.

So which of those three methods works best to find cheap auto insurance for 16 year olds in Alabama? Most people assume that shopping direct saves money since it doesn’t require paying agent commissions, but that is not always the case. A good argument could also be made that buying from an independent agent can save the most money due to more options, but that’s not always true, either. In some circumstances, exclusive agents have coverage prices that other companies cannot beat.

Since car insurance companies use so many rating factors, the only real way to ensure the lowest rates is to get quotes and compare. Take some time and get quotes from all three in order to find the best price. For a list of car insurance companies with low rates, click here to view.

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