Best Cheap Car Insurance Quotes for Drivers with Accidents in Alabama

Best Cheap Car Insurance Quotes for Drivers with Accidents in Alabama

Buying affordable insurance is confusing at best, and finding out which company has the best auto insurance rates for drivers with accidents will require even more work. Insurance rates may be a little bit more than the average price in Alabama, with the higher price attributed to the potentially higher risk that goes along with selling insurance for drivers with at-fault accidents, but reasonable coverage may be available if you do a thorough comparison.

Every auto insurer has a unique approach to establish rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Alabama.

Compare Cheap Insurance Quotes for Accident Prone Drivers

Compare Rates and Save

Alabama auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $783
2 Cincinnati Insurance $812
3 USAA $895
4 GEICO $1,030
5 Auto-Owners $1,206
6 Country $1,207
7 Safeway $1,218
8 Progressive $1,248
9 MetLife $1,327
10 State Auto $1,373
11 California Casualty $1,496
12 State Farm $1,517
13 Nationwide $1,642
14 ALFA $1,743
15 Allstate $1,854
16 Farmers $1,912
17 Safeco $2,607
18 Liberty Mutual $2,637
Get Personalized Rates Go

Travelers may offer some of the cheapest car insurance rates in Alabama at around $783 annually. Cincinnati Insurance, USAA, GEICO, and Auto-Owners would also make the list of some of the more affordable Alabama auto insurance companies.

As shown above, if you have coverage with Cincinnati Insurance and switched to Travelers, you could earn yearly savings of approxmiately $29. Customers with USAA might save as much as $112 a year, and GEICO insureds might reduce prices by as much as $247 a year.

Remember that these premiums are averages for all ages of drivers and types of vehicles and and are not calculated with a rate increase for drivers with accidents. So the insurer that can offer you the best rate may not even be featured in the above list. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The car, truck, or SUV requiring coverage is one of the largest considerations when quoting the best cheap car insurance for drivers with accidents in Alabama. Vehicles with lots of horsepower, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.

The data below outlines auto insurance premiums for a handful of the most economical vehicles to insure.

Cheapest Auto Insurance Rates for Drivers with Accidents in Alabama
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,923
Ford Escape XLT 2WD $2,032
Toyota Prius $2,062
Chevrolet Malibu LS $2,250
Chevrolet Equinox LT AWD $2,257
Toyota Tacoma Double Cab 4WD $2,250
Ford Fusion S 4-Dr Sedan $2,258
Subaru Outback 3.6R $2,274
Dodge Grand Caravan SE $2,284
Ford Explorer XLT 2WD $2,289
Chevrolet Traverse LTZ 2WD $2,294
Ford Focus SEL 4-Dr Sedan $2,341
Honda Civic LX-S 4-Dr Sedan $2,347
Subaru Forester XT Limited Edition AWD $2,359
Ford Edge SEL AWD $2,383
Hyundai Santa Fe GLS 2WD $2,388
GMC Sierra SL Crew Cab 4WD $2,389
Jeep Grand Cherokee Limited 4WD $2,399
Toyota Corolla XRS $2,389
Nissan Rogue SL 2WD $2,434
Hyundai Sonata GLS 4-Dr Sedan $2,443
Chevrolet Impala LT $2,496
Hyundai Tucson Limited 2WD $2,503
Find Cheaper Rates Go

Data variables include single female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can raise or lower coverage rates greatly.

Based upon these rates, you can conclude that models like the Honda CR-V, Ford Escape, Toyota Prius, Chevrolet Malibu, and Chevrolet Equinox are likely to be the most budget-friendly vehicles to insure for drivers with at-fault accidents. The cost of auto insurance will be more expensive just because there is more claim exposure for drivers with accidents, but in general those makes and models will most likely have the lowest insurance prices compared to other types of vehicles.

Discounts on the best cheap car insurance for drivers with accidents in Alabama

Save on auto insurance for drivers with at-fault accidents in AlabamaInsurance companies that provide policies for drivers with accidents may have discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. A list of companies and a selection of discounts can be read below.

  • GEICO includes discounts for seat belt use, emergency military deployment, multi-policy, driver training, and membership and employees.
  • MetLife may offer discounts for accident-free, multi-policy, claim-free, good driver, and defensive driver.
  • Progressive has savings for online quote discount, multi-policy, continuous coverage, online signing, homeowner, and multi-vehicle.
  • Travelers may have discounts that include IntelliDrive, driver training, continuous insurance, home ownership, and multi-policy.
  • SAFECO may include discounts for multi-car, safe driver, homeowner, bundle discounts, teen safe driver, and anti-theft.
  • AAA offers discounts including multi-car, pay-in-full, multi-policy, anti-theft, and AAA membership discount.

The chart below illustrates the difference between insurance costs with and without some available policy discounts. The costs are based on a male driver, two accidents and no citations, Alabama state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, homeowner, continuous coverage, multiple policy, marriage, and passive restraint discounts applied. When taking advantage of discounts, the the amount saved on auto insurance for drivers with accidents is 28% or $1,217.