Compare car insurance quotes in Alabama
Jerry is a free app trusted by 15,247 Alabama drivers that compares insurance quotes from top carriers.
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Average Alabama car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Alabama, Jerry drivers pay less:
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$52 to $105 per month for state-mandated minimum coverage.
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$150 to $291 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Alabamians save an average of $984 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Alabama car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Alabama have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
If you’ve owned a home in Alabama for more than a minute, you already know how much roofs matter. Wind, hail, and tornado season can make insurers picky about roof age and condition, and that can show up in your premium fast. Bundling your car and home insurance is often where you can make up ground, and on average, Jerry homeowners save up to 40% by combining coverages.
Jerry’s advantage is flexibility. We’ll still look for all available discounts, but we don’t force you into a single-insurer bundle. You can pair the best home option for your roof and storm exposure with the best auto option for your household, even if they’re from different companies.
Jerry pulls up to 20 quotes from top rated carriers.
What Alabama drivers are paying with Jerry
If you’re trying to get solid coverage without overpaying, it helps to check multiple quotes. Whether you’re starting fresh, sticking with what you have or simply aiming for the cheapest car insurance in Alabama, comparing costs from multiple carriers gives you a better idea of what you should actually be paying.
That’s because in Alabama, “normal driving” can mean a dozen different things. Some folks are driving daily miles around Birmingham or Huntsville, others are racking up highway time between smaller towns and coastal drivers have their own set of risks and headaches. We work with Alabama drivers every day, so when you shop with Jerry, you’re not starting from zero. You’re comparing quotes with a clearer sense of what’s typical for your situation.
Jerry helps you compare quotes from up to 16 trusted insurers in the Yellowhammer State, so you can see what’s out there and what you should be paying. Here are some of the latest quotes Jerry has pulled for Alabama drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Alabama
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Alabama car insurance coverage requirements
Drivers in Alabama are legally required to carry liability insurance coverage for property damage and bodily injury. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
Alternately, drivers can choose to purchase at least $75,000 in combined single limit (CSL) coverage per accident.
While this is the minimum insurance you need to buy before you can legally drive in Alabama, many Jerry drivers actually opt for higher liability limits, along with comprehensive and collision coverage. And considering that nearly 17% of Alabama drivers are uninsured or underinsured, it’s easy to see why we also recommend buying uninsured/underinsured motorist (UIM) protection.
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Coverage definitions
Factors affecting Alabama car insurance rates in 2026
Hurricanes and tornadoes
Alabama gets plenty of severe weather, especially along the coast and during peak storm months. Wind, falling limbs, and flying debris can total a car fast. We suggest keeping comprehensive coverage, even if your vehicle is older, because that’s the coverage that pays for storm-related damage.
High-traffic corridors
Traffic on routes like I-65, plus daily driving around Birmingham and Mobile, drives up crash odds and claim frequency. You should lean into defensive driving and consider a usage-based program (like Jerry DriveShield), so your safer habits can translate into a lower rate.
Uninsured drivers
Nearly one in five Alabama drivers is uninsured, according to the IRC. You should match your uninsured/underinsured motorist limits to your liability limits, so you’re protected if an uninsured driver hits you and can’t cover your injuries or damage.
Strict negligence law
Alabama follows a strict negligence rule. If you’re even 1% at fault, you may not be able to collect from the other driver after a crash. You should keep collision coverage on your vehicle, so you’re not relying on the other driver’s insurer to repair or replace your car.
Flooding and heavy rain
Tropical systems and intense storms can trigger flash flooding, especially in low-lying areas and near creeks and rivers. Be sure to buy comprehensive coverage if flooding is a real risk where you park and drive, because that’s what covers flood-related vehicle damage.
Rural driving and animal collisions
A lot of Alabama driving happens on two-lane roads outside city centers, where speeds are higher, lighting is limited, and wildlife is common. Keep collision coverage if you spend time on rural roads, and set a deductible you can comfortably cover if you need to file a claim.
Average cost of car insurance in major Alabama cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $224 | |
| $218 | |
| $223 | |
| $171 | |
| $199 | |
| $201 | |
| $195 | |
| $163 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Alabama quotes in as little as 2 minutes.
Learn more about driving in Alabama
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What you need to know about Alabama red light camera laws.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
FAQ
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Is Alabama an at-fault insurance state?
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Does Alabama allow electronic proof of insurance?
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What happens if I drive without insurance in Alabama?
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Does Alabama require PIP?
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.