Home Car insurance Car insurance rates by state Average car insurance cost in Alabama Average car insurance cost in Alabama View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on December 11, 2023 Why you can trust Insure.com Quality Verified 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. If you are looking for auto insurance in Alabama, knowing how much it will cost will help you budget accordingly. The average premium for car insurance in Alabama is $1,542 per year or $129 per month. While the national average is $1,682. There is a difference of $140 less between the national average and the state average. There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live. Apart from the factors that affect auto insurance rates, this guide also talks about the average rate of full coverage in the state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Alabama, and car insurance rates by age group. Shop around and compare quotes to save money on your auto insurance. Summary of average car insurance cost in AlabamaAverage annual cost$1,542Average per month cost$129Average cost for state minimum coverage$420 / YearCheapest car insurance companyNationwide($1,007/ Year)Average cost for young drivers$2,472 / YearAverage cost for Senior drivers$1,477 / Year Key TakeawaysThe average car insurance cost in Alabama is $1,542 per year, based on Insure.com’s analysis.In Alabama, the average premium for car insurance is $129 per month.Nationwide has the cheapest car insurance rates in Alabama, at an average annual rate of $1,007 a year. Average car insurance cost in Alabama per month In Alabama, the average premium for car insurance is $129 per month. The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Alabama, it is a promising idea to get quotes from many firms. As per the rate analysis conducted by Insure.com, the company which offers the cheapest car insurance premiums in Alabama is Nationwide. The average annual cost is $1,007, while the average cost per month is $84. The second-best option available is Geico, offering insurance at an average per month cost of $93. The table below lists the other available car insurance companies that offer car insurance in Alabama, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costNationwide$84$1,007Geico$93$1,113USAA$97$1,164Travelers$110$1,321Allstate$126$1,512Auto-Owners$133$1,601State Farm$135$1,625Progressive$151$1,806Farmers Insurance$178$2,137 Read our guide to best 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. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! 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 Alabama The amount of coverage you purchase has an impact on how much car insurance costs in Alabama. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage. Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Alabama is $585. When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Alabama is $1,542 per year. For someone who does not own the car but frequently rents one, non-owner state minimum liability coverage is the best choice. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Alabama, the average annual cost for non-owner state minimum liability only is $364. Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive legally in the state. The state minimum liability only coverage costs $420 per year in Alabama. Coverage limitsAverage annual cost50/100/50 Liability Only$585100/300/100 Liability with $500 Comp/Coll Deductible$1,542Non-Owner State Minimum Liability Only$364State Minimum Liability Only$420 Average car insurance cost in Alabama by city Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code. The table below depicts the top popular cities in Alabama: CityAverage annual costBirmingham$1,678Huntsville$1,470Montgomery$1,554Mobile$1,608Tuscaloosa$1,520Hoover$1,581Dothan$1,407Auburn$1,430Decatur$1,412Madison$1,417 Auto 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 age Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Alabama is $2,472 while for seniors it is $1,477. Here, the rate for young drivers is $995 more than the rate for senior drivers. According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities. Average car insurance cost in Alabama for young drivers The average car insurance cost for female young drivers in Alabama is $2,330 per year or $194 per month and rate for a male young driver is $2,614 per year or $218 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers18$5,594$4,89719$3,840$3,33020$3,497$3,04421$2,756$2,41022$2,454$2,20223$2,272$2,06924$2,090$1,92425$1,896$1,800 Average car insurance cost in Alabama for senior drivers In Alabama, the cost of car insurance for senior female driver is $1,459 per year or $122 per month and cost of car insurance for male senior driver is $1,496 per year or $125 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,422$1,38970$1,549$1,51175$1,724$1,649 Read more about senior car insurance Minimum car insurance requirements in Alabama Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Alabama Department of Insurance, the following are the required coverages and minimum coverage limits in Alabama: Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in Alabama The Ford Transit Connect Titanium has the lowest average annual insurance premium at $1,310, followed closely by the Chrysler Voyager LX at $1,334. The difference in the cost of insuring these two models is $24 annually. MakeModelAverage annual premiumFordTransit Connect Titanium$1,310ChryslerVoyager LX$1,334MazdaCX-30 S$1,337ToyotaC-HR Limited$1,349MazdaCX-5 S$1,351GMCSavana G2500$1,359KiaSeltos EX$1,363HondaCR-V EX$1,367HyundaiVenue SE$1,377MiniCooper SE$1,381 Most expensive cars to insure in Alabama The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,496. However, the difference between the cheapest and most expensive cars to insure is $4,186 annually. MakeModelAverage annual premiumMaseratiQuattroporte$5,496MaseratiGhibli Modena$4,838MaseratiLevante Trofeo$4,736MaseratiGhibli GT$4,700AudiRS E-tron GT$4,352BMWM8 Competition XDrive$4,123MaseratiGhibli Trofeo$4,115TeslaModel S Plaid$3,786AudiRS6 Avant Quattro$3,776BMWM850i XDrive$3,760 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Methodology 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: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $100,000 property damage liability $500 collision/comprehensive deductible The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Alabama Non-owner auto insurance in Alabama Best renters insurance in Alabama Average homeowners insurance cost in Alabama How much is car insurance in other statesAlaska$1,359/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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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 monthAverage cost of car insurance by coverage levels in AlabamaAverage car insurance cost in Alabama by cityAverage car insurance cost in Alabama by ageMinimum car insurance requirements in AlabamaCheapest cars to insure in AlabamaMost expensive cars to insure in AlabamaMethodology Get instant quotes now ! Please enter valid zip Get Quotes