Alabama Car Insurance Calculator
Calculate your auto insurance cost in Alabama. Compare with state averages and find savings.
$1,634
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$136
Full Coverage
$2,156
Min Coverage
$586
Uninsured Rate
18.2%
Alabama Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Alabama
High uninsured driver rateRural driving conditionsWeather-related claims
Major Metro Areas in Alabama
BirminghamHuntsvilleMobileMontgomeryTuscaloosa
FAQ
Alabama Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Alabama
The average annual car insurance premium in Alabama is $1,634, or about $136 per month. Full coverage averages $2,156 annually, while minimum coverage averages $586. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Alabama requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage).
Key factors affecting Alabama car insurance rates include: High uninsured driver rate, Rural driving conditions, Weather-related claims. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 18.2% of drivers in Alabama are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Alabama car insurance: 1) Compare quotes from multiple insurers like State Farm, Alfa Insurance, USAA. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Alabama include: State Farm, Alfa Insurance, USAA, GEICO, Progressive. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
AL Insurance Costs
Average premiums in Alabama:
- Annual Average$1,634
- Monthly Average$136
- Full Coverage$2,156
- Minimum Coverage$586
AL Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate18.2%
Top AL Insurers
Popular insurance companies:
- •State Farm
- •Alfa Insurance
- •USAA
- •GEICO
- •Progressive