Best Car Insurance in Alabama for August 2025

Jerry Summary

Geico offers the best car insurance in Alabama, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Alfa Insurance earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Alabama by comparing quotes from multiple insurance companies.

Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Alabama. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.

These are the best car insurance companies in Alabama:

• Geico: Best car insurance overall.
• Alfa Insurance: Honorable mention.

If you need cheap car insurance in Alabama, be sure to compare quotes from multiple insurers to get the best rate.

• Why you can trust Jerry’s editorial content

  Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Facts are thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.

Best car insurance in Alabama overall: Geico

5.0

Jerry’s Score

Our Take

Geico 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.

COMPARE QUOTES

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 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: Get cheap car insurance the smart way, today

More of the best Alabama insurers

Here are more top-rated insurers in Alabama.

4.9

Jerry’s Score

Our Take

Auto-Owners is one of Jerry’s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options.

4.7

Jerry’s Score

Our Take

Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.

4.6

Jerry’s Score

Our Take

Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, Jerry customers give Progressive high marks.

4.6

Jerry’s Score

Our Take

Farmers Insurance offers customizable policies with many discount opportunities, and Jerry customers gave it a moderately high score.

4.1

Jerry’s Score

Our Take

Assurance America may provide simple auto insurance policies to “high-risk” drivers. The insurer has received high marks from Jerry customers, but rates may be high.

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

National General offers the best full coverage car insurance rates in Alabama, according to Jerry’s data analysis, with an average cost of $150 per month.

Here are more companies that offer some of the best full coverage car insurance rates.

The right full coverage car insurance should match your unique needs and driving habits. Think about how often you’re on the road, the kind of vehicle you drive and whether you’d benefit from extras like roadside assistance or rental reimbursement if your car is in the shop for covered repairs. By focusing on what fits your lifestyle, you can choose a policy that provides the right amount of financial protection without paying for optional coverages you don’t need.

Best car insurance for teen drivers in Alabama

Embark General offers the best car insurance rates for teen drivers in Alabama, according to Jerry’s data analysis, with an average cost of $217 per month.

Here are more companies that offer some of the best car insurance rates for teens.

Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers. Many insurers provide discounts for students with good grades, finish driver education programs or allow their driving behavior to be tracked through telematics programs. Selecting a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run.

Learn more: How much is car insurance for a 16-year-old?

Best car insurance for young drivers under 25 in Alabama

National General offers the best car insurance rates for young drivers in Alabama, according to Jerry’s data analysis, with an average cost of $173 per month.

Here are more companies that offer some of the best car insurance rates for young drivers under 25.

For drivers under 25, the best car insurance policies are often those that recognize and reward responsible driving habits, since young drivers are viewed as risky to insure. Insurers frequently offer discounts to young drivers who keep a clean driving record, complete approved driving courses or opt into telematics programs that track driving behavior. Choosing a policy that incentivizes good habits can help young drivers stay safe on the road and may lead to lower premiums over time.

Learn more: Car insurance for college students

Best car insurance for seniors in Alabama

National General offers the best car insurance rates for drivers over 65 in Alabama, with an average cost of $83 per month, according to Jerry’s data analysis.

Here are more companies that offer some of the best car insurance rates for drivers over 65.

For drivers over 65, the best car insurance is one that matches their lifestyle. Seniors who spend less time on the road may benefit from pay-per-mile insurance, which bases premiums on how much you actually drive and can be more cost-effective for low-mileage drivers. Additionally, completing a defensive driving course can help improve skills behind the wheel and may result in a discount.

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:

1. 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.
2. 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.
3. 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.

MEET OUR EXPERTS

Ben Moore

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.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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