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
|Rank||Company||Cost Per Year|
|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.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$1,923|
|Ford Escape XLT 2WD||$2,032|
|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.
Insurance 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.
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.