Best car insurance companies in Alabama

Fact-checked with HomeInsurance.com

    Article Highlights

    For drivers looking for the best car insurance in Alabama, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Alabama and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Alabama.

    The average Alabama driver pays $1,521 per year for insurance, which breaks down to about $126 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Alabama and may not reflect your actual premium quote.

    Alabama Quickfacts

    • Cheapest carrier for full coverage in Alabama is GEICO: $1,060
    • Cheapest carrier for minimum coverage in Alabama is GEICO: $267
    • Carrier with highest customer satisfaction in Alabama: USAA
    • Number of uninsured drivers in Alabama: 18.4%
    • Alabama is on the lower end for car insurance rates

    Average cost of car insurance in Alabama

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,513$1,813$2,180
    Minimum coverage$435$513$638

    Quadrant data services, 2020

    Best car insurance companies in Alabama

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Alfa$2,053$561
    Allstate$1,255$401
    GEICO$1,060$267
    Farmers$1,667$461
    Progressive$1,548$453
    Safeway$1,951$596
    Travelers$1,261$386
    State Farm$1,856$525
    USAA$1,218$366

    Quadrant data services, 2020

    Car insurance rates in Alabama by city

    City Full coverage annual rate Minimum coverage annual rate
    Birmingham $1,695 $503
    Huntsville $1,475 $461
    Montgomery $1,549 $470
    Mobile $1,651 $498
    Tuscaloosa $1,535 $451

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

    Best car insurance companies… Read Next Best car insurance companies…