United Svcs Automobile offers the cheapest auto insurance rates in Alabama at about $852 a year or $71 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.
|car insurance companies|
Best auto insurance companies in Alabama
Based on Insurance.com’s rate analysis, Progressive is our top pick for the best auto insurance company in Alabama. It has earned 4.8 auto star rating, highest among the carriers surveyed. Apart from Progressive, Geico, Auto Club of Southern California (Auto Club Enterprise Insurance Group), USAA and Liberty Mutual are the other top performers on the list of best car insurance companies.
Compare insurance providers based on their auto star ratings and decide which one is the right option for you.
Cheapest car insurance companies in Alabama
Don’t just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Alabama and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, United Svcs Automobile is the cheapest auto insurance company in Alabama that offers insurance policies at $852 annually or $71 a month, on average.
CompanyAverage annual premiumAverage monthly premiumUnited Svcs Automobile Assn $852 $71
Nationwide P&C $956 $80
GEICO Casualty Co $1,076 $90
Standard Fire $1,166 $97
Allstate P&C $1,423 $119
Auto-Owners $1,594 $133
State Farm Mutl Automobile Ins $1,631 $136
Progressive Specialty $1,640 $137
Metropolitan P&C $2,102 $175
Mid-Century $2,407 $201
Cheapest car insurance cost in Alabama
Geico is the cheapest car insurance company in Alabama for teen drivers. Its average annual premium for teenagers is $3,271 or $273 a month.
The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.
CompanyAverage annual premiumGeico Cas Co $3,271
State Farm Mut Auto $4,690
Nationwide Mut Fire $4,996
Allstate Prop & Cas $6,020
Progressive Specialty $8,100
Mid Century $9,776
Cheapest car insurance cost in Alabama for young
Geico is the cheapest car insurance company in Alabama for young adults, based on Insurance.com’s rate analysis. Its average annual premium is $1,572 or $131 a month.
The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.
If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren’t students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.
CompanyAverage annual premiumGeico Cas Co $1,572
Allstate Prop & Cas $2,411
Progressive Specialty $2,468
Nationwide Mut Fire $2,675
State Farm Mut Auto $2,847
Mid Century $3,252
Cheapest car insurance cost in Alabama
Geico is the cheapest car insurance company in Alabama for adults. Its average annual premium is $1,209 or $101 a month.
When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.
Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.
CompanyAverage annual premiumGeico Cas Co $1,209
Progressive Specialty $1,483
Nationwide Mut Fire $1,497
Allstate Prop & Cas $1,733
State Farm Mut Auto $1,756
Mid Century $2,265
Cheapest car insurance cost in Alabama for seniors
Geico is the cheapest auto insurance company for senior drivers in Alabama. Its average annual premium is $1,179 or $98 a month.
Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.
CompanyAverage annual premiumGeico Cas Co $1,179
Progressive Specialty $1,263
Nationwide Mut Fire $1,369
State Farm Mut Auto $1,653
Allstate Prop & Cas $1,711
Mid Century $2,101
Cheapest Car Insurance Companies in Alabama by Driver Profile
While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn’t have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.
Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Alabama.
Cheapest auto insurance for drivers with poor credit: NationwideNationwide is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $1,575 or $131 a month. It’s important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price
CompanyAverage annual premiumNationwide $1,575
Standard Fire $2,498
State Farm $5,359
Cheapest auto insurance for drivers with a speeding tickets: UnitedUnited is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Alabama drivers is $1,441, based on a rate analysis by Insurance.com.
If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.
The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Alabama.
CompanyAverage annual premiumUnited $1,441
State Farm $1,808
Standard Fire $1,877
Cheapest auto insurance after at-fault accident: NationwideNationwide is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $1,700. The only way to get cheap car insurance after an accident is by comparing rates. So, don’t forget to compare insurers based on their average annual premium to get an affordable rate.
CompanyAverage annual premiumNationwide $1,700
Standard Fire $1,952
State Farm $2,013
Cheapest auto insurance after a DUI: State Farm
The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $1,808 or $151 a month.
When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.
CompanyAverage annual premiumState Farm $1,808
Standard Fire $2,034
Average cost of car insurance in Alabama
The average car insurance rate in Alabama is $1,485 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s $29 more than the national average $1,456. For the state minimum coverage, the average annual cost in Alabama is $424.