How Much Does Auto Insurance Cost for Good Drivers in Alabama?

The words “economical” and “insurance” really shouldn’t be used together, especially when comparison shopping for the best coverage prices for good drivers. To save some money, let’s introduce you to some situations that have an impact on auto insurance premiums, and find some ways to slash the price of your next policy.

One of the more important criteria that influence insurance cost is where you keep your vehicle in Alabama. Areas with more people or higher crime rates like Birmingham, Bessemer, and Hoover tend to pay more, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The table below illustrates the highest-priced areas in Alabama for good drivers to purchase a policy in.

Table data uses comparative as specific Alabama garaging address can modify price quotes significantly.

Comparing quotes for low-priced car insurance is not the easiest thing to accomplish, and determining which companies quote the best auto insurance rates for good drivers requires even more shopping around. Rates may be somewhat cheaper than the state average, with the decrease attributed to the reduced risk related to selling coverage for safe drivers. Affordable coverage should be easy to buy from many insurance companies.
Each auto insurance company uses slightly different criteria for filing rates in each state, so let’s take a look at the lowest cost auto insurance companies in Alabama.

Keep in mind that Alabama auto insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. This price fluctuation is why it is critical to take the time to shop around when trying to find the cheapest auto insurance rates for good drivers. Car insurance prices consist of many things and change dramatically, so the cheapest rate six months ago may now be one of the more expensive options.

Cheap Insurance Rates for Good Drivers

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Cincinnati Insurance may have some of the lowest car insurance rates in Alabama at around $804 per year. Travelers, USAA, GEICO, and Auto-Owners also qualify as some of the cheapest Alabama car insurance companies.

As shown above, if you are insured with Auto-Owners and switched to Travelers, you might achieve an annual savings of roughly $367. Policyholders with Country might save as much as $380 a year, and Safeway customers might cut rates by $403 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or click through to the companies below.

Be aware that those estimates are averages for all drivers and vehicles and and are not figured with a rate decrease for good drivers. So the auto insurance company that fits your age and vehicle best may not even be shown in the list of companies above. That emphasizes why you need to get auto insurance quotes using your own individual information.

The make and model of vehicle you are seeking coverage for is one of the largest considerations that determines whether or not you find the most affordable auto insurance for good drivers. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.

The table below features insurance rates for a handful of the most economical vehicles to insure in Alabama.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific garaging location which can decrease or increase rates substantially.

Looking at the numbers, cars like the Jeep Wrangler, Ford Escape, Honda Accord, Kia Forte, and Toyota Prius will definitely be some of the cheapest vehicles to insure for safe drivers.

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

If you’re looking for the cheapest auto insurance for safe drivers, some of the first companies to look at are Geico, State Farm, Allstate, and Progressive. The next table breaks down some of the ratings and options offered by each company.