To get the best car insurance in Alabama, consider companies that have high financial strength ratings with few customer complaints. According to Jerry’s editorial analysis, Geico offers the best car insurance in Alabama overall. Here’s what to know about other highly-rated insurers in the state.
If you need cheap car insurance in Alabama, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Alabama overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico has a perfect 5 star Jerry score due to its superior financial strength rating and few customer complaints.
Alabama drivers can customize an auto policy with Geico’s roadside assistance, rental reimbursement and mechanical breakdown coverage. Discounts are available for insuring multiple vehicles, insuring a vehicle three years old or newer, going five years without an accident, paying your premium in full or being a military member. Savings are also available for full-time students with a B average or higher and drivers 50 or older who complete a defensive driving course. If you opt into Geico’s telematics program, DriveEasy, you could save even if you practice safe driving habits.
Geico’s highly-rated mobile app lets customers manage their policy, file and track claims, request roadside assistance, estimate vehicle repair costs and get a quote.
More of the best Alabama insurers
Here are more top-rated insurers in Alabama.
Honorable mention: Alfa Insurance
While not yet rated by Jerry, Alfa Insurance was ranked No. 1 out of 17 insurers for overall customer satisfaction in the Southeast region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Alfa stands out for the number of discounts available to Alabama drivers. Savings are available if you bundle policies, have a qualifying Alfa life insurance policy, own your home or insure a vehicle with qualifying safety features. Young drivers can save if they maintain a 3.0 GPA or higher, take an approved driver education course or pass a youth defensive driver test. Drivers 55 and older who take a qualifying defensive driving course can also save.
Alfa also offers discounts for a variety of careers, including savings for first responders and active military members, auto manufacturer employees, education workers, farmers, full‑time ministers, and state and federal employees.
Alabama drivers can customize an auto policy with coverages like roadside assistance, rental reimbursement and loss-of-income, which pays up to $750 a month if you can’t work because of an injury from a car accident.
Best full coverage car insurance in Alabama
Here are the best car insurance rates for full coverage in Alabama.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Bluefire | $163 |
| Assurance America | $169 |
| Progressive | $191 |
| National General | $217 |
| The General | $220 |
Best car insurance for teen drivers in Alabama
These are the best car insurance companies for teen drivers in Alabama.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Clearcover | $132 |
| Assurance America | $185 |
| Dairyland | $229 |
| Gainsco | $243 |
| National General | $250 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Alabama
Below are the best options for drivers under 25 in Alabama, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $160 |
| Bluefire | $187 |
| Assurance America | $193 |
| Progressive | $218 |
| National General | $220 |
Learn more: Car insurance for college students
Best car insurance for seniors in Alabama
Here are the best car insurance rates for drivers over 65 in Alabama.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $65 |
| Anchor General | $91 |
| Progressive | $115 |
| Bluefire | $120 |
| Assurance America | $146 |
Learn more: Car insurance for seniors
How to get the best car insurance in Alabama
Follow these tips to find the best car insurance in Alabama:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
