Best Cheap Car Insurance for Young Drivers in Alabama

Best Cheap Car Insurance for Young Drivers in Alabama

I’m sure you’ve seen the ads from insurers like The General, Allstate, and State Farm that make promises of the cheapest rates, so drivers just need to choose the one with the most memorable commercial, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown factors such as whether you are female or male, whether you have good or poor credit, if you are married, and if you want full coverage included. We are going to cover the best ways to avoid paying too much and will hopefully give you a good start in finding the cheapest car insurance in Alabama.

One of the more important factors used to establish the amount you pay for auto insurance is where you normally keep your vehicle in Alabama. More populated areas like Birmingham, Bessemer, and Montgomery likely pay more, whereas cities that are not as densely populated have the gratification of the best cheap auto insurance for young drivers in Alabama.

The illustration below sorts the more expensive cities in Alabama for young drivers to purchase a policy in.

How much does auto insurance cost in Alabama?
Rank City Average Per Year
1 Birmingham $1,466
2 Mobile $1,455
3 Bessemer $1,435
4 Prichard $1,427
5 Montgomery $1,365
6 Homewood $1,364
7 Northport $1,336
8 Tuscaloosa $1,333
9 Prattville $1,331
10 Hoover $1,328
11 Vestavia Hills $1,325
12 Gadsden $1,313
13 Phenix City $1,312
14 Anniston $1,292
15 Decatur $1,286
16 Alabaster $1,284
17 Auburn $1,283
18 Athens $1,275
19 Huntsville $1,264
20 Madison $1,253
21 Opelika $1,244
22 Daphne $1,238
23 Enterprise $1,229
24 Dothan $1,217
25 Florence $1,191
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Rate information is estimated as the specific garaging location can impact coverage prices greatly.

Finding dependable, low-cost insurance is confusing at best, and determining which companies offer the cheapest auto insurance rates for young drivers requires a little more work. Coverage prices will be much more than the average policy in Alabama attributed to the potential for higher claims related to offering insurance for youthful drivers, but economical coverage should be achievable if you look hard enough. Every car insurance company has their own process for establishing rates, so let’s begin by taking a look at the most affordable auto insurance companies in Alabama.

It’s important to know that Alabama auto insurance rates are based on many factors that will increase or decrease the cost of having a policy. Things like having a birthday, buying another vehicle, or getting a reckless driving citation may cause policy rate changes that can now make some companies more affordable than before.

Best Car Insurance Prices for Teens

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Rankings for the cheapest Alabama auto insurance companies
Rank Company Cost Per Year
1 Travelers $807
2 Cincinnati Insurance $836
3 USAA $904
4 GEICO $1,061
5 Auto-Owners $1,182
6 Country $1,195
7 Safeway $1,206
8 Progressive $1,236
9 MetLife $1,327
10 State Auto $1,373
11 California Casualty $1,451
12 State Farm $1,563
13 Nationwide $1,659
14 ALFA $1,726
15 Allstate $1,854
16 Farmers $1,931
17 Liberty Mutual $2,637
18 Safeco $2,686
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Travelers offers some of the best car insurance rates in Alabama at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also rank well as some of the cheapest Alabama auto insurance companies.

As the rates illustrate above, if you are a customer of USAA and switched to Travelers, you might realize a yearly price reduction of about $97. Insureds with GEICO may save as much as $254 a year, and Auto-Owners insureds might realize rate reductions of up to $375 a year.

To see if your current coverage is too expensive, click here or visit any of the low-priced companies below.

Bear in mind that those premiums are averages for all drivers and vehicles in Alabama and and are not calculated with a price increase for young drivers. So the auto insurance company that fits your needs best may not even be featured in the list of companies above. That affirms the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.

Performance level and cost of the vehicle that is being insured is a large consideration that determines the availablility of cheaper car insurance for young drivers. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models. The next tables presents car insurance costs for the most cost-effective vehicles to insure.

Insurance Rates for Popular Cars in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SES 4-Dr Sedan $3,854 $1,927 $321
Honda Accord EX-L 4-Dr Sedan $3,334 $1,667 $278
Hyundai Elantra GLS 4-Dr Sedan $3,884 $1,942 $324
Hyundai Sonata GLS 4-Dr Sedan $4,010 $2,005 $334
Kia Optima SX $4,226 $2,113 $352
Nissan Altima 2.5 S 4-Dr Sedan $3,884 $1,942 $324
Toyota Corolla LE $3,884 $1,942 $324
Volkswagen Jetta LE 4-Dr Sedan $3,696 $1,848 $308
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Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise premiums greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LS 2WD $3,144 $1,572 $262
Ford Escape Limited 2WD $3,144 $1,572 $262
Ford Explorer Eddie Bauer AWD $3,724 $1,862 $310
GMC Acadia SLE AWD $3,696 $1,848 $308
GMC Terrain SLT AWD $3,550 $1,775 $296
Honda CR-V LX 4WD $3,114 $1,557 $260
Honda Pilot EX-L 2WD $3,724 $1,862 $310
Jeep Grand Cherokee Laredo 4WD $3,696 $1,848 $308
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $4,108 $2,054 $342
Subaru Forester XT AWD $3,578 $1,789 $298
Toyota 4Runner Limited 2WD $3,578 $1,789 $298
Toyota Highlander 2WD $3,506 $1,753 $292
Toyota RAV4 2WD $3,696 $1,848 $308
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Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific Alabama garaging location which can influence insurance rates greatly.

Auto Insurance Rates for Popular Pickup Trucks in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LTZ Crew Cab 2WD $4,226 $2,113 $352
Dodge Ram 3500 Mega Cab Laramie 2WD $4,158 $2,079 $347
Dodge Ram Quad Cab Sport 4WD $4,254 $2,127 $355
Ford F-150 FX4 4WD $3,724 $1,862 $310
Ford F-250 XLT Turbo Diesel 4WD $4,542 $2,271 $379
GMC Sierra 2500HD SLE Extended Cab 4WD $3,912 $1,956 $326
GMC Sierra 3500HD SLT Crew Cab 4WD $4,732 $2,366 $394
GMC Sierra SLE Crew Cab 2WD $3,696 $1,848 $308
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,724 $1,862 $310
Toyota Tundra Regular Cab 4WD $4,038 $2,019 $337
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Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in vehicle garaging location which can affect coverage rates noticeably.

How violations and accidents impact rates

In a perfect world, the best way to score good auto insurance rates in Alabama for youthful drivers is to be a careful driver and avoid accidents and violations. The example below shows how traffic citations and at-fault accidents can affect auto insurance rates for each age group. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $1,179. Factor in two speeding tickets and the average cost rises to $1,668, an increase of $489 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for young drivers jumps again to an average of $2,163. That’s an increase of $984, or $82 per month, just for not keeping your driving record clean!

Ideas to find low-cost car insurance for young drivers

Below you’ll find a few money-saving suggestions that can help Alabama drivers quote cheaper car insurance.

  • Raise deductibles to save money
  • Drivers with good credit often pay less
  • Buy your auto and home insurance from the same company and save
  • Buy a vehicle with excellent safety ratings
  • Remove physical damage coverage on older vehicles
  • Try to not file small claims
  • Compare rates regularly and switch companies to save money

That last tip is notably critical, as we discussed in this piece. Prices charged by auto insurers can be changed at any time, so don’t hesitate to buy from a new company if a cheaper rate is available.

Staying with the same car insurance company is fine, but it’s not recommended if that inflexibility results in costing you money that could be used for better things. Spend a few minutes and compare prices to find cheaper car insurance for young drivers.