Best Cheap Car Insurance Quotes After a Speeding Ticket in Alabama

Best Cheap Car Insurance Quotes After a Speeding Ticket in Alabama

Finding out which companies have the best car insurance rates after a speeding ticket will require more work in order to find the lowest price quote.

Each insurer uses their own method for determining rates, so to begin we’ll rank 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 determined by lots of factors that control your annual premium. Improving your credit score, increasing liability limits, or having a fender bender can trigger rate changes resulting in some rates now being cheaper in comparison to the competition.

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Cheapest auto insurance in Alabama ranked by cost per year
Rank Company Cost Per Year
1 Travelers $783
2 Cincinnati Insurance $828
3 USAA $904
4 GEICO $1,019
5 Safeway $1,170
6 Country $1,207
7 Auto-Owners $1,218
8 Progressive $1,248
9 MetLife $1,381
10 State Auto $1,386
11 California Casualty $1,511
12 State Farm $1,517
13 Nationwide $1,610
14 ALFA $1,743
15 Allstate $1,930
16 Farmers $1,931
17 Liberty Mutual $2,637
18 Safeco $2,659
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Travelers normally has some of the best car insurance rates in Alabama at around $783 each year. Cincinnati Insurance, USAA, GEICO, and Safeway also make the cut as some of the more affordable Alabama insurance companies.

In the above rates, if you have coverage with GEICO and switched to Cincinnati Insurance, you could realize savings of in the vicinity of $191. Drivers with Safeway may save as much as $342 a year, and Country policyholders might see rate reductions of $379 a year.

To find the best cheap car insurance after a speeding ticket in Alabama for your vehicle, click here to get quotes or visit any of the companies below.

Remember that these policy rates are averaged for all insureds and vehicles and do not factor in a price discount after a speeding ticket. So the company that is best suited for you may not even be in the rate chart shown above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

The type of vehicle that is being insured is a significant factor that determines whether or not you can buy the best cheap car insurance after a speeding ticket in Alabama. Vehicles with high performance engines, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than more modest models. The next list outlines car insurance prices for a selection of the most economical vehicles to buy coverage for.

Cheapest Auto Insurance Rates After a Speeding Ticket in Alabama
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Tucson GLS 2WD $1,241
Toyota Prius $1,255
Chevrolet Traverse LTZ AWD $1,263
Ford Explorer XLT 2WD $1,267
Toyota Sienna CE $1,314
Honda CR-V EX 4WD $1,340
Volkswagen Jetta LE 4-Dr Sedan $1,350
Toyota RAV4 Limited 4WD $1,340
Jeep Wrangler Sport 4WD 2-Dr $1,350
Ford Escape Limited 4WD $1,356
Ford Edge SE 2WD $1,368
Toyota Tacoma 4WD $1,396
Hyundai Elantra SE Touring Station Wagon $1,427
Hyundai Sonata GLS 4-Dr Sedan $1,433
Chevrolet Equinox LTZ AWD $1,437
Subaru Forester X Premium AWD $1,457
Kia Forte EX 4-Dr Sedan $1,465
Dodge Grand Caravan Hero $1,477
Ford F-150 XL Crew Cab 4WD $1,495
Ford Focus SE 2-Dr Coupe $1,505
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Data variables include single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can modify auto insurance rates substantially.

Looking at the rates, we can presume that models like the Hyundai Tucson, Toyota Prius, Chevrolet Traverse, Ford Explorer, and Toyota Sienna will definitely be the more affordable vehicles to insure after a few driving violations.

When buying insurance after a few driving violations, one of the key components that help determine the policy price is your address in Alabama. Larger areas like Birmingham, Bessemer, and Phenix City are more likely to have higher rates, whereas areas with less congestion receive better rates.

The illustration below ranks the most costly cities in Alabama after a speeding ticket to buy car insurance in.

Alabama cities ranked by car insurance cost
Rank City Annual Rate
1 Birmingham $1,466
2 Mobile $1,455
3 Bessemer $1,435
4 Prichard $1,427
5 Phenix City $1,366
6 Montgomery $1,351
7 Homewood $1,350
8 Northport $1,349
9 Tuscaloosa $1,346
10 Prattville $1,344
11 Gadsden $1,339
12 Hoover $1,328
13 Vestavia Hills $1,325
14 Alabaster $1,297
15 Anniston $1,292
16 Auburn $1,283
17 Madison $1,279
18 Huntsville $1,276
19 Athens $1,275
20 Opelika $1,256
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Price information shown is approximated as the specific area where the vehicle is garaged can raise or lower coverage prices noticeably.

Geico, State Farm, Allstate, and Progressive compared

If you want the best car insurance after a few driving violations in Alabama, the top insurers to get price quotes from are Geico, State Farm, Allstate, and Progressive. Between them, they make up nearly half of all vehicles in the U.S.. All of them offer liability and physical damage protection, but each on has a distict selection of optional coverages and features that policyholders can choose from. The next table shows ratings for price, service, and claims, in additional to some of the optional coverages that may be available in your state.

Car Insurance Companies Compared
Geico State Farm Allstate Progressive
Policy Cost 1st 2nd 4th 3rd
Discounts Offered 2nd 3rd 1st 4th
Claims Service 3rd 2nd 1st 4th
Customer Satisfaction 1st 4th 2nd 3rd
Accident forgiveness Yes No Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
New car replacement insurance No No Yes No
Mechnical breakdown Yes No No Yes
Usage-based rating No Yes Yes Yes
Coverage in Alabama Yes Yes Yes Yes
Insurance Agents From a Geico agent or online Only from State Farm agents Allstate exclusive agents Buy online or from an independent agent
Number of agents 150+ 18,000+ 11,000+ 30,000+
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