Alabama car insurance calculator

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If you’re a driver in the Alabama, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our Alabama car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in Alabama, based on your vehicle make and model, helping you make informed decisions.

Alabama car insurance calculator

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*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.

How much is vehicle model important in calculating car insurance in Alabama

In Alabama, the type and model of your car can really affect how much you pay for car insurance. Insurers look at things like your car’s make and model to decide on the cost of premiums.

For example, the yearly car insurance cost for a full coverage policy on a 2022 Acura ILX 2.4L is $1,565, while the average insurance premiums for a Toyota 4Runner Limited in Alabama are $1,631 annually. That’s a difference of $66 more compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Alabama using car model year

In Alabama and many other areas, the year your car was made can affect your car insurance costs. For instance, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,404 per year for insurance. On the other hand, the insurance rate for a 2022 Chevrolet Blazer 2LT is $1,595 annually.

Does the cost of car insurance in Alabama decrease as a vehicle gets older?

In Alabama, insurance for older cars is often less expensive. When a car gets older, it loses value (that’s called depreciation). Since insurance is there to help with repair or replacement costs, the insurance company doesn’t have to pay as much for an older car. So, if your car is older in Alabama, your insurance bill is usually lower.

If you’re driving a 2020 Honda Accord LX in Alabama, your monthly full coverage insurance is usually $124. Now, if you have the 2022 Honda Accord LX, your monthly insurance goes up to $127, which is $3 more than the 2020 model.

Older vehicles are generally less appealing to thieves than newer, fancier ones. This lower risk of theft can also result in lower insurance costs for you.

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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 city

Car insurance cost estimate in Alabama

The average premium for car insurance in Alabama is $1,542 per year or $129 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Alabama for different coverage levels.

Car insurance in Alabama usually costs about $1,542 per year or $129 per month. But remember, your actual price might be different based on the coverage you pick. Let’s take a look at estimated car insurance costs in Alabama for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$585	$1,542	$364	$420

The bottom line: Alabama car insurance calculator

The car insurance calculator for Alabama calculates your rates using details like where you live and the year, make, and model of your vehicle. Simply input your information, and the calculator will give you estimated quotes. Keep in mind that rates can differ, so it’s a good idea to get quotes from different insurers to find the best deal that suits your needs.