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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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.
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.
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.
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.
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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