Good news for Alabama drivers: Jerry’s latest data show that liability coverage averages just $228 per month in the Yellowhammer State. In the last year, we have helped 7,223 Alabamians find affordable car insurance, and drivers who buy with Jerry save an average of $270 each year without sacrificing important protection.
Jerry compares quotes from up to 14 trusted insurers in Alabama to build your policy and find the best price in minutes.
Save on Alabama insurance with Jerry.
What Alabama drivers are paying right now
Car insurance prices shift constantly and they can vary a lot from one driver to the next. Seeing what others pay helps you understand whether your rate is competitive.
Jerry tracks live quotes across Alabama to give you a real-world snapshot of the latest prices. Here are some recent examples of drivers who bought a full coverage policy in Alabama through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check rates often. Small market shifts, seasonal changes and adjustments to your own driver profile can make a difference in your next renewal.
4 smart ways Jerry helps Alabama drivers save on car insurance
If you’re trying to lower your car insurance costs in Alabama, you’re not alone — but there are smarter ways to do it than just chasing the cheapest quote. Jerry easily helps you see what affects your rate, compare real offers and uncover discounts you might not know you qualify for.
Here are our top tips to help you save more and stress less.
| How to save | Average Alabama driver savings |
|---|---|
| Compare quotes | 25% to 41% |
| Stack discounts | 28% to 52% |
| Pick the right deductible | 16% to 71%* |
| Opt into telematics | 5% to 9%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Each insurer uses its own formula, so prices for the same coverage can differ by hundreds of dollars. Comparing quotes side-by-side with Jerry is the simplest, most effective way to lower your rate.
Here’s where Alabama drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Alabama drivers who switched | Average Jerry savings |
|---|---|---|
| Assurance America | 26% | 37% |
| National General Value Program | 18% | 25% |
| Progressive | 16% | 28% |
| National General | 12% | 35% |
| Bluefire Ignite | 10% | 45% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location is important; two drivers in Alabama with the same car and a similar driving record can end up paying very different rates. Jerry shows you how those prices compare and helps you find coverage that makes sense for you.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
From bundling home and auto to safe-driver programs, there are discounts for almost everyone, but insurers don’t always apply them automatically. Jerry finds the ones you qualify for so savings don’t get left on the table.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can cut your premium. Just be sure you can comfortably pay it if you need to file a claim.
Here’s a look at the deductibles Jerry drivers choose:
To find the sweet spot with your own deductible:
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Check your car’s value (Jerry tracks this for you monthly).
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Choose what you could afford out-of-pocket.
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See how deductibles change your rate in real time.
The Jerry difference: Jerry shows drivers their deductible options and potential savings in real time so they can choose the ideal deductible.
Jerry Agent Tip 4: Let your driving score work for you
Telematics programs that track mileage and safe driving habits can lower premiums by around 11%. Many insurers offer this feature, which rewards drivers for things like low mileage, low speeds and safe driving hours.
On top of that, Jerry’s DriveShield makes it easy to save even more. It monitors your driving, scores your habits and automatically shops for lower rates when you qualify. We’ll only share your drive score with insurance companies if we think we can get you a discount; the average Jerry drivers saves between 14% and 26% with DriveShield.
Get personalized car insurance rates now.
How to get better coverage without overpaying
For Alabama drivers, the right mix of coverage can save money long-term while protecting you when it matters most. These are the coverages Alabama drivers can choose from when trying to lock in a low premium:
Minimum
$51 – $102/mo
Liability coverage to meet Alabama’s 25/50/25 requirements and keep costs down, but no protection for your car.
Full
$111 – $232/mo
Adds collision and comprehensive coverage for your own vehicle, and may be required for financed or leased cars.
Standard
$148 – $288/mo
Includes uninsured motorist and MedPay coverage; especially useful since about 1 in 5 Alabama drivers are uninsured.
Preferred
$190 – $370/mo
Higher liability, lower deductibles and extras like towing and rental reimbursement for full protection.
Key takeaway: To calculate your personal coverage needs, start with your risk comfort level and what your car is worth. Then let Jerry show you what each option costs in real time.
The cheapest policy in Alabama is liability-only, but there are plenty of affordable add-ons that can make a big difference when you need them most. Here’s a quick look at what each type of coverage does.
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Coverage definitions
Alabama insurance factors at a glance
From Gulf Coast hurricanes to Birmingham traffic, where and how you drive shapes what you pay. Here’s what stands out most in Alabama and how to protect yourself.
Hurricanes and tornadoes
Frequent storms increase the risk of vehicle damage in the Yellowhammer State, so it’s smart to keep comprehensive coverage even on older cars.
High-traffic corridors
Congestion on I-65 and in cities like Birmingham and Mobile raises accident risk—safe driving and telematics tools like Jerry DriveShield can help lower rates.
Uninsured drivers
Nearly one in five Alabama drivers is uninsured. Protect yourself by matching your uninsured and underinsured motorist limits to your own liability coverage.
Strict negligence law
Alabama’s rule means if you’re even 1% at fault, you can’t collect from the other driver. Be sure to keep collision coverage to protect your own car.
Alabama Insurance After a Ticket, Accident or SR-22
Life happens, but Jerry makes sure one mistake doesn’t cost you forever.
You can still find a good rate even with a bump in your driving record. Jerry works with insurers that are more flexible with past tickets or claims, and automatically re-shops your policy as your record improves over time.
If you got a ticket
Alabama drivers are issued over 29,000 speeding tickets per year, and that doesn’t even include citations for things like rolling through stop signs or failing to yield. Avoiding citations is your best bet, but if you do get pulled over, taking a defensive driving course can help offset the cost.
Once signed up in the app, Jerry monitors your driving record and automatically looks for lower rates once your violation clears.
These are the average rate increases we’ve seen for Jerry drivers in Alabama after receiving a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 7%
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Reckless driving: 61%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises premiums for Delaware drivers by an average of 12%, and those higher rates can stick around for three to five years. Jerry helps you find the best rates right away so you don’t overpay, and automatically re-shops your coverage once the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $393 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no real way around it: Your rates will likely go up after a DUI and stay elevated for about three to five years. In fact, drivers will see their premiums initially rise by about 11% after a DUI conviction.
But that doesn’t mean you have to overpay. Jerry connects you with top carriers that specialize in fair rates and reliable protection today, then re-shops your policy later on to continue the savings.
Here are the 5 most competitive carriers that cover Alabama drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $125 | Yes | |
| $179 | Yes | |
| $190 | Yes | |
| $243 | Yes | |
| $251 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Alabama
An SR-22 certificate may be required if you’re convicted of certain moving violations, have insurance coverage lapses or are involved in an accident while uninsured.
If you’re required to have a certificate, just check the SR-22 box in the Jerry app and we’ll only show insurers that file them. Some of these carriers charge an additional fee to file the SR-22 certificate for you, which averages about $25 per year.
Car Insurance with Bad Credit
Credit scores can impact insurance rates in Alabama, but that doesn’t mean you’re stuck. Maintaining continuous coverage and comparing quotes regularly can make a big difference… and Jerry makes the process feel effortless.
Average rates in Alabama by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Alabama’s unique mix of weather, traffic and state laws make it essential to keep your coverage tuned to your specific situation, not just your budget. Jerry helps you do both by finding strong, affordable policies that fit how you really drive.
Get Alabama coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
