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Cheap Car Insurance in Alabama (2025)
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Content was accurate at the time of publication.
Best cheap car insurance in Alabama
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Find the Cheapest Car Insurance Quotes in Alabama
Alabama’s cheapest full-coverage car insurance: State Farm
State Farm has the cheapest full-coverage car insurance in Alabama, with an average rate of $1,231 a year.
At $1,257 a year, USAA is nearly as cheap. But only members of the military and their families can buy car insurance from USAA.
The average cost of full-coverage car insurance is $2,322 a year in Alabama. State Farm’s rate is 47% cheaper.
Cheapest full-coverage insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,231 |  |
 | Travelers | $1,724 | |
 | Auto-Owners | $1,758 |  |
 | Allstate | $2,487 |  |
 | Progressive | $2,813 |  |
 | Geico | $3,266 |  |
 | Farmers | $4,041 | |
 | USAA* | $1,257 | |
Best cheap liability car insurance in Alabama: State Farm
With an average quote of $432 a year, State Farm is the best company for cheap liability car insurance in Alabama.
Auto-Owners and Travelers also offer liability insurance that is cheaper than the state average rate of $907 a year. Both companies have several discounts that could bring down your rate, so get quotes from all three to see which gives you the best offer.
Cheapest companies for liability car insurance
| Company | Annual rate |
|---|---|
| State Farm | $432 |
| Auto-Owners | $622 |
| Travelers | $638 |
| Progressive | $1,180 |
| Geico | $1,188 |
| Allstate | $1,267 |
| Farmers | $1,540 |
| USAA* | $386 |
To get Alabama’s cheapest liability insurance, compare car insurance quotes from several companies before you buy or renew a policy.
Find the Cheapest Car Insurance Quotes in Alabama
Cheap car insurance for young drivers in Alabama: State Farm
Teens and other young drivers in Alabama get the cheapest car insurance quotes from State Farm for both liability-only ($1,487 a year) and full-coverage ($3,561 a year) policies.
Cheapest car insurance for young drivers
| Company | Liability coverage | Full coverage |
|---|---|---|
| State Farm | $1,487 | $3,561 |
| Travelers | $1,818 | $4,476 |
| Auto-Owners | $2,352 | $5,435 |
| Geico | $2,952 | $6,998 |
| Allstate | $3,620 | $6,749 |
| Progressive | $4,051 | $12,941 |
| Farmers | $6,122 | $15,120 |
| USAA* | $880 | $2,428 |
To get the cheapest teen car insurance in Alabama:
- Look for or ask about discounts
- Get added to a parent’s policy
- Try usage-based car insurance and drive safely
Alabama’s cheapest auto insurance after a speeding ticket: State Farm
Alabama drivers looking for cheap auto insurance after a speeding ticket should get a quote from State Farm, where a policy costs about $1,329 a year.
Runner-up Auto-Owners is more expensive, but it offers many car insurance discounts that could make it cheaper for you.
If you get a speeding ticket in Alabama, your car insurance rate will go up by 19%, on average. State Farm only raises rates by 8% after a ticket.
Cheap car insurance quotes with a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,329 |
| Auto-Owners | $1,758 |
| Travelers | $2,187 |
| Allstate | $2,656 |
| Progressive | $3,668 |
| Geico | $3,928 |
| Farmers | $5,170 |
| USAA* | $1,450 |
Cheap car insurance quotes in Alabama after an accident: State Farm
State Farm has the cheapest car insurance quotes in Alabama after an accident at $1,476 a year.
The average driver in Alabama pays $3,302 a year for car insurance after an accident. That’s 42% more than what drivers with clean records pay.
Cheapest car insurance with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,476 |
| Auto-Owners | $2,274 |
| Travelers | $2,404 |
| Allstate | $3,806 |
| Progressive | $4,016 |
| Geico | $5,030 |
| Farmers | $5,607 |
| USAA* | $1,803 |
Cheapest car insurance for Alabama teens with a bad driving record: State Farm
Young drivers with bad driving records can find the cheapest car insurance in Alabama from State Farm.
- State Farm charges Alabama teens around $1,652 a year after a speeding ticket.
- After an accident, teens pay $1,900 a year with State Farm.
Shop around and compare quotes from a number of companies to get cheap insurance with a bad driving record as a teen or adult.
Best insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $1,652 | $1,900 |
| Travelers | $2,284 | $2,603 |
| Auto-Owners | $2,352 | $3,246 |
| Geico | $3,507 | $4,378 |
| Allstate | $3,950 | $4,685 |
| Progressive | $4,263 | $4,467 |
| Farmers | $7,190 | $7,580 |
| USAA* | $1,345 | $1,550 |
Find the Cheapest Car Insurance Quotes in Alabama
Best cheap car insurance after a DUI in Alabama: Travelers
For cheap DUI insurance in Alabama, get a quote from Travelers, where rates average $2,513 a year.
State Farm is Alabama’s second-cheapest car insurance company after a DUI (driving under the influence) conviction at $3,048 a year.
Cheapest car insurance rates with a DUI
| Company | Annual rate |
|---|---|
| Travelers | $2,513 |
| State Farm | $3,048 |
| Allstate | $3,376 |
| Auto-Owners | $3,456 |
| Progressive | $3,739 |
| Farmers | $5,392 |
| Geico | $5,737 |
| USAA* | $2,638 |
The average driver in Alabama pays around 61% more for car insurance after a DUI conviction and if you’re required to have an SR-22.
Alabama’s cheapest auto insurance for bad credit: Travelers
Travelers has the cheapest car insurance for bad credit in Alabama at $2,974 a year.
Along with the state’s lowest rates for drivers with bad credit, Travelers offers several add-on coverages that make it appealing.
Drivers in Alabama with poor credit pay around 88% more for car insurance than do drivers with good credit.
Cheap insurance companies for poor credit
| Company | Annual rate |
|---|---|
| Travelers | $2,974 |
| Allstate | $4,102 |
| Progressive | $4,399 |
| State Farm | $4,712 |
| Geico | $4,936 |
| Auto-Owners | $5,209 |
| Farmers | $6,539 |
| USAA* | $2,169 |
Best car insurance companies in Alabama
Auto-Owners and State Farm are the best car insurance companies in Alabama.
Both companies are rated highly for customer satisfaction and financial strength. They both also have websites that let you get quotes, pay bills and file claims online.
State Farm’s rates are cheaper, but Auto-Owners offers just as many discounts and also has more add-on coverages that let you tailor your policy to your needs.
Alabama car insurance company ratings
| Company | J.D. Power | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Auto-Owners | 654 | A++ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Alabama insurance rates by city
Fort Rucker is Alabama’s cheapest city or town for car insurance, with an average rate of $1,976 a year.
Tarrant drivers pay Alabama’s most expensive car insurance rates at $2,619 a year.
The average car insurance rates in Alabama’s largest cities:
- Huntsville, $2,155 a year
- Birmingham, $2,534 a year
- Montgomery, $2,345 a year
- Mobile, $2,463 a year
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abbeville | $2,064 | -8% |
| Abernant | $2,340 | 4% |
| Adamsville | $2,493 | 11% |
| Adger | $2,414 | 8% |
| Akron | $2,312 | 3% |
| Alabaster | $2,278 | 2% |
| Albertville | $2,162 | -4% |
| Alexander City | $2,203 | -2% |
| Alexandria | $2,151 | -4% |
| Allgood | $2,361 | 5% |
| Alpine | $2,189 | -2% |
| Alton | $2,499 | 11% |
| Andalusia | $2,084 | -7% |
| Anderson | $2,150 | -4% |
| Annemanie | $2,418 | 8% |
| Anniston | $2,153 | -4% |
| Arab | $2,130 | -5% |
| Ardmore | $2,159 | -4% |
| Argo | $2,263 | 1% |
| Ariton | $2,031 | -9% |
| Arley | $2,309 | 3% |
| Arlington | $2,399 | 7% |
| Ashford | $2,044 | -9% |
| Ashland | $2,104 | -6% |
| Ashville | $2,233 | 0% |
| Athens | $2,094 | -7% |
| Atmore | $2,094 | -7% |
| Attalla | $2,275 | 2% |
| Auburn | $2,097 | -6% |
| Auburn University | $2,101 | -6% |
| Axis | $2,286 | 2% |
| Babbie | $2,058 | -8% |
| Baileyton | $2,129 | -5% |
| Ballplay | $2,198 | -2% |
| Banks | $2,239 | 0% |
| Bankston | $2,238 | 0% |
| Bay Minette | $2,072 | -8% |
| Bayou La Batre | $2,494 | 11% |
| Beaverton | $2,112 | -6% |
| Belk | $2,245 | 0% |
| Bellamy | $2,244 | 0% |
| Belle Fontaine | $2,481 | 11% |
| Belle Mina | $2,171 | -3% |
| Bellwood | $2,065 | -8% |
| Berry | $2,290 | 2% |
| Bessemer | $2,426 | 8% |
| Billingsley | $2,216 | -1% |
| Birmingham | $2,534 | 13% |
| Black | $2,001 | -11% |
| Blue Ridge | $2,216 | -1% |
| Boaz | $2,207 | -2% |
| Boligee | $2,356 | 5% |
| Bon Air | $2,248 | 0% |
| Bon Secour | $2,145 | -4% |
| Booth | $2,292 | 2% |
| Boykin | $2,331 | 4% |
| Brent | $2,201 | -2% |
| Brewton | $2,145 | -4% |
| Bridgeport | $2,115 | -6% |
| Brierfield | $2,208 | -2% |
| Brighton | $2,582 | 15% |
| Brilliant | $2,163 | -3% |
| Brook Highland | $2,402 | 7% |
| Brooklyn | $2,313 | 3% |
| Brookside | $2,510 | 12% |
| Brookwood | $2,326 | 4% |
| Brownsboro | $2,211 | -1% |
| Brundidge | $2,127 | -5% |
| Bryant | $2,131 | -5% |
| Bucks | $2,459 | 10% |
| Buhl | $2,296 | 2% |
| Burnwell | $2,447 | 9% |
| Bynum | $2,250 | 0% |
| Calera | $2,245 | 0% |
| Calvert | $2,306 | 3% |
| Camden | $2,342 | 4% |
| Camp Hill | $2,174 | -3% |
| Campbell | $2,291 | 2% |
| Capshaw | $2,118 | -6% |
| Carbon Hill | $2,305 | 3% |
| Cardiff | $2,487 | 11% |
| Carlisle-Rockledge | $2,250 | 0% |
| Carlton | $2,392 | 7% |
| Carrollton | $2,262 | 1% |
| Catherine | $2,331 | 4% |
| Cecil | $2,332 | 4% |
| Cedar Bluff | $2,143 | -4% |
| Center Point | $2,585 | 15% |
| Centre | $2,152 | -4% |
| Centreville | $2,159 | -4% |
| Chancellor | $2,019 | -10% |
| Chapman | $2,260 | 1% |
| Chatom | $2,297 | 2% |
| Chelsea | $2,443 | 9% |
| Cherokee | $2,079 | -7% |
| Chickasaw | $2,370 | 6% |
| Childersburg | $2,225 | -1% |
| Choccolocco | $2,155 | -4% |
| Chunchula | $2,438 | 9% |
| Citronelle | $2,451 | 9% |
| Clanton | $2,176 | -3% |
| Clay | $2,477 | 11% |
| Clinton | $2,301 | 3% |
| Clopton | $2,063 | -8% |
| Cloverdale | $2,156 | -4% |
| Coaling | $2,306 | 3% |
| Coats Bend | $2,291 | 2% |
| Coden | $2,508 | 12% |
| Coffee Springs | $2,019 | -10% |
| Columbia | $2,096 | -6% |
| Columbiana | $2,283 | 2% |
| Cook Springs | $2,295 | 2% |
| Coosada | $2,241 | 0% |
| Cordova | $2,476 | 10% |
| Cottondale | $2,312 | 3% |
| Cottonton | $2,395 | 7% |
| Courtland | $2,135 | -5% |
| Cowarts | $2,055 | -8% |
| Coy | $2,337 | 4% |
| Cragford | $2,112 | -6% |
| Creola | $2,306 | 3% |
| Cropwell | $2,252 | 0% |
| Crossville | $2,115 | -6% |
| Cuba | $2,279 | 2% |
| Cullman | $2,210 | -1% |
| Cusseta | $2,186 | -2% |
| Dadeville | $2,160 | -4% |
| Daleville | $2,001 | -11% |
| Daphne | $2,162 | -4% |
| Dauphin Island | $2,360 | 5% |
| Daviston | $2,143 | -4% |
| Dawson | $2,096 | -7% |
| De Armanville | $2,248 | 0% |
| Deatsville | $2,228 | -1% |
| Decatur | $2,078 | -7% |
| Deer Park | $2,318 | 3% |
| Delmar | $2,246 | 0% |
| Delta | $2,144 | -4% |
| Demopolis | $2,286 | 2% |
| Detroit | $2,139 | -5% |
| Dickinson | $2,285 | 2% |
| Dixons Mills | $2,352 | 5% |
| Docena | $2,512 | 12% |
| Dolomite | $2,526 | 13% |
| Dora | $2,451 | 9% |
| Dothan | $2,052 | -8% |
| Dozier | $2,061 | -8% |
| Duncanville | $2,331 | 4% |
| Dunnavant | $2,385 | 6% |
| Dutton | $2,128 | -5% |
| East Brewton | $2,147 | -4% |
| East Tallassee | $2,253 | 0% |
| Eastaboga | $2,180 | -3% |
| Echola | $2,279 | 2% |
| Edgewater | $2,538 | 13% |
| Edwardsville | $2,169 | -3% |
| Eight Mile | $2,444 | 9% |
| Elba | $2,080 | -7% |
| Eldridge | $2,288 | 2% |
| Elkmont | $2,114 | -6% |
| Elmore | $2,235 | 0% |
| Elrod | $2,252 | 0% |
| Emelle | $2,309 | 3% |
| Emerald Mountain | $2,226 | -1% |
| Enterprise | $2,035 | -9% |
| Epes | $2,303 | 3% |
| Equality | $2,181 | -3% |
| Estillfork | $2,152 | -4% |
| Eufaula | $2,197 | -2% |
| Eutaw | $2,311 | 3% |
| Evergreen | $2,224 | -1% |
| Excel | $2,324 | 4% |
| Fackler | $2,158 | -4% |
| Fairfield | $2,600 | 16% |
| Fairhope | $2,121 | -5% |
| Fairview | $2,126 | -5% |
| Falkville | $2,059 | -8% |
| Fayette | $2,227 | -1% |
| Five Points | $2,234 | 0% |
| Flat Rock | $2,146 | -4% |
| Florala | $2,040 | -9% |
| Florence | $2,103 | -6% |
| Foley | $2,091 | -7% |
| Forest Home | $2,217 | -1% |
| Forestdale | $2,552 | 14% |
| Forkland | $2,306 | 3% |
| Fort Deposit | $2,210 | -1% |
| Fort Mitchell | $2,394 | 7% |
| Fort Novosel | $1,997 | -11% |
| Fort Payne | $2,052 | -8% |
| Fort Rucker | $1,976 | -12% |
| Franklin | $2,248 | 0% |
| Frankville | $2,282 | 2% |
| Fulton | $2,265 | 1% |
| Fultondale | $2,439 | 9% |
| Furman | $2,382 | 6% |
| Gadsden | $2,287 | 2% |
| Gainestown | $2,263 | 1% |
| Gallant | $2,253 | 0% |
| Gallion | $2,328 | 4% |
| Gantt | $2,121 | -5% |
| Garden City | $2,269 | 1% |
| Gardendale | $2,388 | 7% |
| Gaylesville | $2,139 | -5% |
| Geneva | $1,998 | -11% |
| Georgiana | $2,177 | -3% |
| Geraldine | $2,100 | -6% |
| Gilbertown | $2,289 | 2% |
| Glen Allen | $2,231 | 0% |
| Glencoe | $2,273 | 1% |
| Glenwood | $2,154 | -4% |
| Good Hope | $2,184 | -3% |
| Goodsprings | $2,455 | 10% |
| Goodwater | $2,144 | -4% |
| Goodway | $2,443 | 9% |
| Gordonville | $2,306 | 3% |
| Goshen | $2,176 | -3% |
| Grady | $2,255 | 1% |
| Graham | $2,152 | -4% |
| Grand Bay | $2,472 | 10% |
| Grayson Valley | $2,520 | 12% |
| Graysville | $2,477 | 11% |
| Green Pond | $2,255 | 1% |
| Greensboro | $2,297 | 2% |
| Greenville | $2,150 | -4% |
| Grimes | $2,029 | -9% |
| Groveoak | $2,096 | -7% |
| Guin | $2,118 | -6% |
| Gulf Shores | $2,161 | -4% |
| Guntersville | $2,154 | -4% |
| Gurley | $2,239 | 0% |
| Hackleburg | $2,212 | -1% |
| Hackneyville | $2,204 | -2% |
| Haleyville | $2,135 | -5% |
| Hamilton | $2,174 | -3% |
| Hammondville | $2,080 | -7% |
| Hanceville | $2,218 | -1% |
| Hardaway | $2,377 | 6% |
| Harpersville | $2,323 | 4% |
| Hartford | $1,978 | -12% |
| Hartselle | $2,064 | -8% |
| Harvest | $2,171 | -3% |
| Hatchechubbee | $2,336 | 4% |
| Hayneville | $2,300 | 3% |
| Hazel Green | $2,183 | -3% |
| Headland | $2,046 | -9% |
| Heflin | $2,141 | -5% |
| Helena | $2,367 | 6% |
| Henagar | $2,070 | -8% |
| Higdon | $2,133 | -5% |
| Highland Home | $2,183 | -3% |
| Highland Lake | $2,305 | 3% |
| Highland Lakes | $2,416 | 8% |
| Hodges | $2,160 | -4% |
| Hokes Bluff | $2,270 | 1% |
| Hollins | $2,139 | -5% |
| Holly Pond | $2,181 | -3% |
| Hollytree | $2,208 | -2% |
| Hollywood | $2,125 | -5% |
| Holt | $2,295 | 2% |
| Holtville | $2,221 | -1% |
| Holy Trinity | $2,415 | 8% |
| Homewood | $2,431 | 8% |
| Honoraville | $2,156 | -4% |
| Hoover | $2,390 | 7% |
| Horton | $2,142 | -4% |
| Houston | $2,160 | -4% |
| Hueytown | $2,382 | 6% |
| Huguley | $2,208 | -1% |
| Huntsville | $2,155 | -4% |
| Huxford | $2,237 | 0% |
| Indian Springs Village | $2,390 | 7% |
| Irondale | $2,452 | 9% |
| Irvington | $2,489 | 11% |
| Ivalee | $2,273 | 1% |
| Jachin | $2,265 | 1% |
| Jack | $2,078 | -7% |
| Jackson | $2,254 | 1% |
| Jacksons Gap | $2,151 | -4% |
| Jacksonville | $2,137 | -5% |
| Jasper | $2,424 | 8% |
| Jefferson | $2,355 | 5% |
| Jemison | $2,220 | -1% |
| Jones | $2,270 | 1% |
| Joppa | $2,148 | -4% |
| Kansas | $2,305 | 3% |
| Kellerman | $2,375 | 6% |
| Kellyton | $2,155 | -4% |
| Kennedy | $2,211 | -1% |
| Kent | $2,273 | 1% |
| Kimberly | $2,370 | 6% |
| Kinsey | $2,057 | -8% |
| Kinston | $2,052 | -8% |
| Knoxville | $2,292 | 2% |
| La Fayette | $2,211 | -1% |
| Lanett | $2,209 | -1% |
| Langston | $2,155 | -4% |
| Lapine | $2,238 | 0% |
| Lawley | $2,179 | -3% |
| Leeds | $2,388 | 7% |
| Lenox | $2,272 | 1% |
| Leroy | $2,285 | 2% |
| Lester | $2,101 | -6% |
| Letohatchee | $2,242 | 0% |
| Level Plains | $2,019 | -10% |
| Lexington | $2,100 | -6% |
| Lillian | $2,143 | -4% |
| Lincoln | $2,115 | -6% |
| Linden | $2,336 | 4% |
| Lineville | $2,095 | -7% |
| Lipscomb | $2,592 | 16% |
| Little River | $2,124 | -5% |
| Littleville | $2,088 | -7% |
| Livingston | $2,303 | 3% |
| Loachapoka | $2,215 | -1% |
| Lockhart | $2,094 | -7% |
| Locust Fork | $2,322 | 4% |
| Lookout Mountain | $2,278 | 2% |
| Lower Peach Tree | $2,326 | 4% |
| Loxley | $2,125 | -5% |
| Luverne | $2,183 | -3% |
| Lynn | $2,193 | -2% |
| Madison | $2,128 | -5% |
| Magnolia | $2,330 | 4% |
| Magnolia Springs | $2,147 | -4% |
| Malcolm | $2,294 | 2% |
| Malvern | $2,035 | -9% |
| Marbury | $2,200 | -2% |
| Margaret | $2,260 | 1% |
| Marion | $2,290 | 2% |
| Marion Junction | $2,375 | 6% |
| Mathews | $2,242 | 0% |
| Maxwell Air Force Base | $2,290 | 2% |
| Maxwell Air Force Base Gunter Annex | $2,307 | 3% |
| Maylene | $2,291 | 2% |
| Mc Shan | $2,219 | -1% |
| Mc Williams | $2,369 | 6% |
| McCalla | $2,313 | 3% |
| McDonald Chapel | $2,546 | 14% |
| McKenzie | $2,194 | -2% |
| Meadowbrook | $2,410 | 8% |
| Megargel | $2,281 | 2% |
| Melvin | $2,255 | 1% |
| Mentone | $2,089 | -7% |
| Meridianville | $2,198 | -2% |
| Mexia | $2,279 | 2% |
| Midfield | $2,551 | 14% |
| Midland City | $2,021 | -10% |
| Millbrook | $2,202 | -2% |
| Millerville | $2,150 | -4% |
| Minor | $2,551 | 14% |
| Minter | $2,332 | 4% |
| Mobile | $2,463 | 10% |
| Monroeville | $2,194 | -2% |
| Montevallo | $2,220 | -1% |
| Montgomery | $2,345 | 5% |
| Montrose | $2,157 | -4% |
| Moody | $2,318 | 3% |
| Moores Mill | $2,150 | -4% |
| Mooresville | $2,090 | -7% |
| Morris | $2,385 | 6% |
| Morvin | $2,416 | 8% |
| Moulton | $2,152 | -4% |
| Moundville | $2,337 | 4% |
| Mount Olive | $2,402 | 7% |
| Mountain Brook | $2,368 | 6% |
| Mulga | $2,504 | 12% |
| Muscadine | $2,164 | -3% |
| Muscle Shoals | $2,048 | -9% |
| Myrtlewood | $2,307 | 3% |
| Nanafalia | $2,368 | 6% |
| Napier Field | $2,055 | -8% |
| Natural Bridge | $2,264 | 1% |
| Needham | $2,290 | 2% |
| New Brockton | $2,069 | -8% |
| New Castle | $2,447 | 9% |
| New Hope | $2,217 | -1% |
| New Site | $2,140 | -5% |
| Newton | $1,989 | -11% |
| Newville | $2,074 | -7% |
| Normal | $2,237 | 0% |
| Northport | $2,292 | 2% |
| Notasulga | $2,223 | -1% |
| Oak Hill | $2,382 | 6% |
| Odenville | $2,252 | 0% |
| Ohatchee | $2,202 | -2% |
| Oneonta | $2,315 | 3% |
| Opelika | $2,133 | -5% |
| Opp | $1,996 | -11% |
| Orange Beach | $2,164 | -3% |
| Our Town | $2,202 | -2% |
| Owens Cross Roads | $2,224 | -1% |
| Oxford | $2,167 | -3% |
| Ozark | $1,986 | -11% |
| Paint Rock | $2,211 | -1% |
| Palmerdale | $2,476 | 10% |
| Panola | $2,271 | 1% |
| Pansey | $2,052 | -8% |
| Parrish | $2,457 | 10% |
| Pelham | $2,392 | 7% |
| Pell City | $2,237 | 0% |
| Pennington | $2,296 | 2% |
| Perdido | $2,056 | -8% |
| Perdido Beach | $2,105 | -6% |
| Perdue Hill | $2,190 | -2% |
| Perote | $2,265 | 1% |
| Peterman | $2,242 | 0% |
| Peterson | $2,352 | 5% |
| Petrey | $2,227 | -1% |
| Phenix City | $2,339 | 4% |
| Phil Campbell | $2,149 | -4% |
| Piedmont | $2,139 | -5% |
| Pike Road | $2,423 | 8% |
| Pinckard | $2,047 | -9% |
| Pine Level | $2,234 | 0% |
| Pinson | $2,477 | 10% |
| Pisgah | $2,154 | -4% |
| Pittsview | $2,367 | 6% |
| Plantersville | $2,289 | 2% |
| Pleasant Grove | $2,478 | 11% |
| Point Clear | $2,131 | -5% |
| Powell | $2,057 | -8% |
| Prairie | $2,331 | 4% |
| Prattville | $2,225 | -1% |
| Priceville | $2,077 | -7% |
| Prichard | $2,421 | 8% |
| Princeton | $2,194 | -2% |
| Quinton | $2,442 | 9% |
| Rainbow City | $2,300 | 3% |
| Rainsville | $2,059 | -8% |
| Ralph | $2,299 | 3% |
| Randolph | $2,190 | -2% |
| Range | $2,226 | -1% |
| Red Bay | $2,138 | -5% |
| Red Level | $2,131 | -5% |
| Redland | $2,226 | -1% |
| Reeltown | $2,207 | -2% |
| Rehobeth | $2,043 | -9% |
| Remlap | $2,364 | 5% |
| River Falls | $2,104 | -6% |
| Riverside | $2,209 | -1% |
| Roanoke | $2,219 | -1% |
| Robertsdale | $2,084 | -7% |
| Rock Mills | $2,220 | -1% |
| Rockford | $2,191 | -2% |
| Rogersville | $2,123 | -5% |
| Russellville | $2,109 | -6% |
| Rutledge | $2,156 | -4% |
| Ryland | $2,221 | -1% |
| Safford | $2,337 | 4% |
| Saginaw | $2,332 | 4% |
| Saks | $2,158 | -4% |
| Salem | $2,300 | 3% |
| Samantha | $2,357 | 5% |
| Samson | $2,012 | -10% |
| Saraland | $2,338 | 4% |
| Sardis City | $2,226 | -1% |
| Satsuma | $2,278 | 2% |
| Sayre | $2,486 | 11% |
| Scottsboro | $2,127 | -5% |
| Seale | $2,329 | 4% |
| Selma | $2,345 | 5% |
| Selmont-West Selmont | $2,349 | 5% |
| Seminole | $2,105 | -6% |
| Shannon | $2,464 | 10% |
| Sheffield | $2,044 | -9% |
| Shelby | $2,231 | 0% |
| Shoal Creek | $2,407 | 7% |
| Shorter | $2,343 | 5% |
| Shorterville | $2,064 | -8% |
| Siluria | $2,333 | 4% |
| Silverhill | $2,131 | -5% |
| Sipsey | $2,423 | 8% |
| Skipperville | $2,023 | -10% |
| Slocomb | $2,011 | -10% |
| Smiths Station | $2,295 | 2% |
| Smoke Rise | $2,396 | 7% |
| Southside | $2,302 | 3% |
| Spanish Fort | $2,123 | -5% |
| Spring Garden | $2,257 | 1% |
| Spruce Pine | $2,140 | -5% |
| St. Elmo | $2,556 | 14% |
| St. Stephens | $2,305 | 3% |
| Stanton | $2,247 | 0% |
| Stapleton | $2,109 | -6% |
| Steele | $2,196 | -2% |
| Sterrett | $2,317 | 3% |
| Stevenson | $2,141 | -5% |
| Stewartville | $2,210 | -1% |
| Sulligent | $2,163 | -4% |
| Sumiton | $2,413 | 8% |
| Sunflower | $2,260 | 1% |
| Susan Moore | $2,177 | -3% |
| Sycamore | $2,170 | -3% |
| Sylacauga | $2,191 | -2% |
| Sylvania | $2,062 | -8% |
| Talladega | $2,117 | -6% |
| Tallassee | $2,214 | -1% |
| Tanner | $2,084 | -7% |
| Tarrant | $2,619 | 17% |
| Taylor | $2,033 | -9% |
| Theodore | $2,505 | 12% |
| Thomasville | $2,358 | 5% |
| Thorsby | $2,173 | -3% |
| Tibbie | $2,299 | 3% |
| Tidmore Bend | $2,302 | 3% |
| Tillmans Corner | $2,483 | 11% |
| Toney | $2,211 | -1% |
| Town Creek | $2,129 | -5% |
| Toxey | $2,288 | 2% |
| Trafford | $2,419 | 8% |
| Trenton | $2,164 | -3% |
| Trinity | $2,111 | -6% |
| Troy | $2,202 | -2% |
| Trussville | $2,433 | 9% |
| Tuscaloosa | $2,284 | 2% |
| Tuscumbia | $2,067 | -8% |
| Tuskegee | $2,318 | 3% |
| Tuskegee Institute | $2,314 | 3% |
| Tyler | $2,345 | 5% |
| Underwood-Petersville | $2,076 | -7% |
| Union Springs | $2,332 | 4% |
| Uniontown | $2,394 | 7% |
| Valhermoso Springs | $2,090 | -7% |
| Valley | $2,221 | -1% |
| Valley Grande | $2,343 | 4% |
| Valley Head | $2,075 | -7% |
| Vance | $2,327 | 4% |
| Vandiver | $2,289 | 2% |
| Vernon | $2,183 | -3% |
| Vestavia Hills | $2,355 | 5% |
| Vina | $2,143 | -4% |
| Vincent | $2,298 | 3% |
| Vinegar Bend | $2,322 | 4% |
| Wagarville | $2,293 | 2% |
| Walnut Grove | $2,156 | -4% |
| Ward | $2,338 | 4% |
| Warrior | $2,380 | 6% |
| Watson | $2,485 | 11% |
| Wattsville | $2,369 | 6% |
| Waverly | $2,132 | -5% |
| Weaver | $2,146 | -4% |
| Webb | $2,062 | -8% |
| Wellington | $2,163 | -4% |
| Weogufka | $2,208 | -2% |
| West End-Cobb Town | $2,168 | -3% |
| West Greene | $2,349 | 5% |
| Westover | $2,379 | 6% |
| Wetumpka | $2,205 | -2% |
| Whatley | $2,290 | 2% |
| White Plains | $2,144 | -4% |
| Wilmer | $2,474 | 10% |
| Wilton | $2,342 | 4% |
| Winfield | $2,158 | -4% |
| Wing | $2,065 | -8% |
| Woodstock | $2,244 | 0% |
| Woodville | $2,183 | -3% |
| York | $2,250 | 0% |
Minimum coverage for car insurance in Alabama
Alabama drivers must buy at least a minimum amount of liability car insurance. This minimum amount is usually written as 25/50/25.
Alabama car insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability | $25,000 per person$50,000 per accident |
| Property damage liability | $25,000 per accident |
Frequently asked questions
The average cost of car insurance in Alabama is $907 a year, or $76 a month, if you only buy liability coverage.
For full-coverage car insurance, the average cost in Alabama is $2,322 a year, or $194 a month.
State Farm has the cheapest car insurance for most Alabama drivers. Liability-only insurance costs $432 a year with State Farm, while full coverage costs $1,231 a year. (See more above)
Members of the military may get cheaper car insurance from USAA. USAA’s average quote for liability insurance is $386 a year, and for full coverage, it’s $1,257 a year.
If you are caught driving without insurance in Alabama:
- You could be fined up to $500 for the first violation and up to $1,000 after that.
- You might need to pay a $200 to $400 fee to reinstate your vehicle registration.
- The state may suspend your driver’s license for six months if you’re caught driving without car insurance more than once.