Get the Cheapest Car Insurance Quotes in Alabama

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Cheap Car Insurance

Alabama, the beautiful “Heart of Dixie”, holds treasures of all kinds. From Tennessee River canyons in the north to the white sand beaches on the Gulf of Mexico in the south, this state has something to offer every traveler. Famous for its southern hospitality, Alabama boasts historical museums, space exploration facilities, fine dining, world famous BBQ and a rich music scene. Taking a road trip through America’s “Yellowhammer State” can be an unforgettable adventure. And now, CheapCarInsurance.com has taken time to put together this information-packed list to help you be better protected in your travels.

What is the Average Cost of Auto Insurance in Alabama?

  • In Alabama state minimum liability costs around $67 a month or $805 a year. A full coverage costs around $240 a month or $2,874 a year.

CheapCarInsurance costs are pulled from real auto policy quotes in Alabama – for a used vehicle driver who is single, middle aged & has a clean driving record.

Alabama Car Insurance Costs

Here is a list of the average auto insurance costs for popular cities in Alabama:

Alabama City:State Minimum Liability:SM Monthly:Full Coverage:FC Monthly:
Auburn$660$55$2,377$198
Birmingham$805$67$2,874$240
Decatur$646$54$2,375$198
Dothan$672$56$2,327$194
Florence$652$54$2,346$196
Gadsden$723$60$2,607$217
Hoover$796$66$2,668$222
Huntsville$726$60$2,472$206
Madison$711$59$2,432$203
Mobile$788$66$2,789$232

Cheapest Car Insurance Companies in Alabama

Insurance Provider:State Minimum:Monthly:Full Coverage:Monthly:
Progressive$457$38$1,673$139
USAA$535$45$2,176$181
GEICO$654$54$2,475$206
Allstate$721$60$2,450$204
State Farm$935$78$3,110$259

Alabama Car Insurance Costs by Vehicle Type

The average cost of your auto insurance in Alabama will depend on quite a few factors including your driving record, where you live in the state, and personal demographics such as age, gender and if you plan to bundle other insurance types. However, here is a good idea of what you can expect to pay in AL based on the type of vehicle you want to insure.

AlabamaAverage Annual Premium:MinMaxMonthly Avg:
Car$1,908$1,644$2,360$159
SUV$1,859$1,606$2,283$155
EV / Electric$2,122$1,834$2,609$177
Luxury$2,714$2,355$3,281$226
Truck$2,268$1,969$2,787$189

How Does Age Affect Insurance Costs?

As mentioned your age will also affect your overall premium costs for your auto insurance policy. Based off of data, insurance providers will usually charge more for new teen drivers. If you’ve ever wondered what the difference in costs will be as well as the age bracket that it changes over time. Here is a breakdown of the average costs in AL for car insurance based on your age:

Auto Insurance Costs by Age:MaleFemaleAverage Monthly Payment:
Age: 16 - 20$4,122$3,763$329
Age: 21 - 30$2,091$2,021$171
Age: 30 - 40$1,679$1,712$141
Age: 40 - 50$1,620$1,644$136
Age: 50 - 64$1,597$1,591$133
Age: 65+$2,035$1,896$164

Average Auto Premium Costs by City for Used Vehicles

Your location can affect your average car insurance costs. If you drive a used vehicle here is the average cost you can expect to pay based on your specific city in AL.

AL City:Avg. Annual Premium:Avg. Monthly Costs:LuxuryEV / ElectricSUVTruckCar /Sedan
Abbeville$1,978$165$2,469$1,927$1,696$2,062$1,734
Adamsville$2,490$208$3,064$2,439$2,139$2,605$2,205
Adger$2,337$195$2,877$2,290$2,006$2,449$2,066
Akron$2,194$183$2,809$2,126$1,856$2,278$1,903
Alabaster$2,298$192$2,799$2,266$1,980$2,407$2,040
Albertville$2,159$180$2,657$2,118$1,851$2,257$1,913
Alexander City$2,024$169$2,546$1,969$1,725$2,109$1,772
Alexandria$2,154$179$2,651$2,114$1,848$2,248$1,908
Alpine$2,170$181$2,718$2,120$1,850$2,264$1,900
Andalusia$1,951$163$2,515$1,882$1,643$2,026$1,686
Anniston$2,133$178$2,630$2,094$1,829$2,226$1,888
Arab$2,109$176$2,601$2,068$1,809$2,206$1,863
Ardmore$2,111$176$2,604$2,076$1,814$2,201$1,863
Argo$2,174$181$2,685$2,135$1,863$2,272$1,916
Ariton$1,930$161$2,412$1,880$1,656$2,012$1,692
Arley$2,188$182$2,798$2,124$1,847$2,280$1,892

How Much Does Car Insurance Cost for a New Vehicle?

If you have a newer vehicle, you may pay more because the costs to insure a newer vehicle is expensive. However, sometimes you will actually pay less because the safety features are so advanced compared to older model cars that you pay less because you are less likely to get in an accident. Here is a breakdown of costs for insuring newer vehicles based on the city you live in.

AL CityAnnual PremiumAvg. Monthly CostsLuxuryEV / ElectricSUVTruckCar /Sedan
Abbeville$2,097$175$2,715$1,928$1,700$2,251$1,889
Adamsville$2,631$219$3,365$2,446$2,139$2,826$2,378
Adger$2,478$207$3,177$2,294$2,012$2,667$2,242
Akron$2,350$196$3,104$2,147$1,878$2,518$2,105
Alabaster$2,429$202$3,077$2,269$1,984$2,615$2,200
Albertville$2,293$191$2,933$2,126$1,865$2,465$2,077
Alexander City$2,154$179$2,805$1,977$1,738$2,309$1,940
Alexandria$2,285$190$2,924$2,119$1,856$2,454$2,069
Alpine$2,314$193$3,006$2,131$1,866$2,485$2,083
Andalusia$2,088$174$2,774$1,897$1,665$2,239$1,866

What is Minimum Auto Liability in Alabama?

New Driver License Requirements

DUI & DWI Laws

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