Cheapest Auto Insurance in Alabama

One of the key things that establish the price of your policy is the neighborhood you call home in Alabama. Cities with larger populations or higher claims like Birmingham, Bessemer, and Prichard likely pay more, whereas areas with less people or fewer weather incidents have the luxury of lower rates.

The next table displays the highest-priced areas in Alabama to buy an auto insurance policy in.

Rates are estimated as the garaging address in Alabama can decrease or increase price quotes greatly.

Finding out which company offers the cheapest car insurance rates in Alabama will take a bit more effort than just quoting one company’s rates.

Every auto insurer has their own guidelines to set premium rates, so we’ll go over the lowest cost car insurance companies in Alabama. It’s important to understand that Alabama car insurance rates are impacted by many things that can increase the cost of your policy. Getting older, having a teen driver, or having an accident may cause policy rate changes resulting in some companies being more affordable than before.

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Travelers offers some of the lowest car insurance rates in Alabama at around $815 each year. Cincinnati Insurance, USAA, GEICO, and Safeway also make the cut as some of the cheapest Alabama auto insurance companies.

As shown in the rates above, if you are a customer of GEICO and switched to Cincinnati Insurance, you may realize an annual premium reduction of about $225. Customers with Safeway may save as much as $334 a year, and Country insureds might lower prices by $359 a year.

Remember that these estimates are averages for all insureds and vehicles and are not factoring in a rate discount in Alabama. So the car insurance company that can offer you the best rate may not even be featured in the list of companies above. That is why you need to compare as many prices as possible using your own individual information.

We all like different vehicles, and the type of vehicle you are seeking coverage for is one of the biggest factors that determines whether or not you find the cheapest auto insurance in Alabama. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost less to insure than high performance models.

The information below presents auto insurance costs for a handful of the more afforable automobiles to insure.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can revise premiums greatly.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Alabama which can influence auto insurance rates substantially.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can decrease or increase insurance rates noticeably.

Insurance rate increases from tickets or accidents

In a perfect world, the best way to earn the best car insurance premiums for drivers in Alabama is to be a careful driver and avoid accidents and keep your driving record clean. The chart below demonstrates how speeding tickets and at-fault claims increase car insurance costs for each different age group. The premiums are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

In the previous example, the average cost of car insurance in Alabama per year with no accidents and a clean driving record is $1,590. Factor in two speeding tickets and the average cost swells to $2,100, an increase of $510 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance in Alabama goes up to an average of $4,088. That’s an increase of $2,498, or $208 per month, just for not driving safely!

Choosing the highest-rated car insurance company can be difficult considering how many choices you have in Alabama. The company rank data shown next can help you select which coverage providers to look at purchasing a policy from.

The rankings below only include companies who write in the majority of U.S. states, so smaller regional companies are not factored into this list. To check prices from the insurers below and more, just click here.

Top 10 Major Auto Insurers Overall in Alabama

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Does Allstate, Progressive, Geico, or State Farm have the cheapest car insurance?

If you’re looking for the best auto insurance for drivers in Alabama, the top insurers to get price quotes from are Allstate, Progressive, Geico, and State Farm. The table below rates ratings and policy coverage options that are available for customers.