Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Alabama Average car insurance cost in Alabama The average premium for car insurance in Alabama is $1,860 per year or $155 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in Alabama. On average, car insurance in Alabama costs $1,860 annually or $155 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $35 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Alabama, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $1,860 Average per month cost $155 Average cost for state minimum coverage $433 / Year Cheapest car insurance company Nationwide($1,345 / Year) Average cost for young drivers $2,813 / Year Average cost for Senior drivers $1,835 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in Alabama costs $1,860 per year.In Alabama, the average premium for car insurance is $155 per month.At $1,345 a year, Nationwide has the cheapest car insurance rates in Alabama.Average car insurance cost in Alabama per monthIn Alabama, the monthly rate for car insurance is $155.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Alabama, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in AlabamaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Alabama is Nationwide, with an average annual cost of $1,345 and a monthly average of $112. Following closely is Travelers, providing coverage at an average monthly rate of $119.The following table lists additional car insurance companies operating in Alabama and their respective average monthly and annual costs. Affordable car insurance providers in Alabama Graph Table Company nameAverage per month costAverage annual costNationwide$112$1,345Travelers$119$1,428Geico$135$1,625Country Financial$141$1,694State Farm$149$1,790Auto-Owners$178$2,134Allstate$182$2,178Progressive$200$2,402Farmers$212$2,542USAA$122$1,458 Read our guide to cheap car insurance companies Alabama car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Alabama Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,499/Year OR $208/month Alabama Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in AlabamaCar insurance rates in Alabama are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $639 per year in Alabama.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Alabama amounts to $1,860 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Alabama, the average annual cost for non-owner state minimum liability coverage is $380.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $433 in Alabama.1State minimum:$4332Liability only:$6393Full coverage:$1,8604Non-owners:$380Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Alabama by cityBirminghamHuntsvilleMobileMontgomeryTuscaloosaAverage car insurance cost in Alabama by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in Alabama:CityAverage annual costAuburn$1,754Birmingham$2,040Decatur$1,700Dothan$1,670Hoover$1,886Huntsville$1,754Madison$1,719Mobile$2,009Montgomery$1,926Tuscaloosa$1,854Average car insurance cost in Alabama by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Alabama is $2,813, whereas for seniors, it’s $1,835. The rate for young drivers surpasses that of senior drivers by $978.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Alabama for young driversFor female young drivers in Alabama, the average annual car insurance cost is $2,668, and $222 per month. Conversely, male young drivers face an average annual rate of $2,959, and $247 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,937 $3,435 21 $3,061 $2,709 22 $2,800 $2,543 23 $2,578 $2,384 24 $2,418 $2,266 Average car insurance cost in Alabama for senior driversFor senior female drivers in Alabama, the annual cost of car insurance is $1,792, or $149 per month. Similarly, male senior drivers face an annual insurance rate of $1,878, or $157 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,736 $1,685 70 $1,847 $1,774 75 $2,052 $1,918 Read more about senior car insuranceMinimum car insurance requirements in AlabamaEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Alabama Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Alabama:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in AlabamaThe Chevrolet TrailBlazer is most affordable average annual insurance premium, standing at $1,635, with the Honda HR-V trailing closely behind at $1,644. The annual difference in insurance costs between these two models amounts to $9.MakeModelAverage annual premiumChevroletTrailBlazer$1,635HondaHR-V$1,644MazdaCX-30$1,671KiaSeltos$1,679HondaCR-V$1,700VolkswagenTiguan$1,710SubaruForester$1,711MazdaCX-5$1,721ToyotaCorolla Cross$1,730SubaruOutback$1,739Most expensive cars to insure in AlabamaThe Maserati Quattroporte Trofeo, at an average annual premium of $6,549, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,914 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$6,549MaseratiQuattroporte$6,473MaseratiGhibli Trofeo$6,216AudiR8 Performance$5,831BMWI7$5,673Land RoverRange Rover P530 Autobiography$5,570MaseratiGhibli$5,561BMWM5$5,511GenesisG90$5,500NissanZ Performance$5,342MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Alabama Non-owner auto insurance in Alabama Best renters insurance in Alabama Average homeowners insurance cost in Alabama Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Alabama per monthCheapest car insurance companies in AlabamaAverage cost of car insurance by coverage levels in AlabamaAverage car insurance cost in Alabama by cityAverage car insurance cost in Alabama by age of the driverMinimum car insurance requirements in AlabamaCheapest cars to insure in AlabamaMost expensive cars to insure in AlabamaMethodology ZIP Code Please enter valid ZIP See rates