Key Takeaways
- Assurance America, Bluefire and National General offer some of the cheapest car insurance in Alabama.
- The average cost of minimum coverage in Alabama is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Alabama.
If you need cheap car insurance in Alabama, consider getting a policy from insurers like Assurance America, Bluefire or National General. These companies are among the most affordable, according to real quotes for Jerry customers in Alabama.
Here are the cheapest auto insurance quotes in Alabama for minimum and full coverage, plus a preview of how those rates vary by age, driving history and credit score.
To find the best car insurance in Alabama, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Alabama
Liability-only insurance is the cheapest car insurance policy, but pays only for injuries or property damage you cause. Locating affordable minimum liability car insurance in Alabama can be a practical solution for motorists aiming to stay street-legal without spending more than necessary. This type of policy satisfies the state’s basic insurance mandates, offering financial coverage if you’re held responsible for harming others or damaging their property. Although it won’t pay to fix your own car, it’s a cost-effective choice for those with limited driving habits or lower-value vehicles. Alabama residents can often save by reviewing quotes from different insurers and selecting coverage that aligns with their financial goals.
Here are the most affordable insurers in Alabama for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $70 | $843 |
| National General | $84 | $1,007 |
| Assurance America | $86 | $1,035 |
| Trexis | $91 | $1,088 |
| Safeco | $95 | $1,135 |
| First Acceptance | $100 | $1,200 |
| Progressive | $100 | $1,202 |
| The General | $104 | $1,246 |
| Bristol West | $108 | $1,299 |
| Embark General | $117 | $1,399 |
Minimum liability car insurance requirements in Alabama
Alabama’s minimum liability requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
Cheap full coverage car insurance in Alabama
Hunting for cheap full coverage car insurance in Alabama means balancing cost with robust protection. Full coverage normally bundles liability, collision and comprehensive plans — guarding you against incidents like crashes, theft attempts, natural disasters and vandalism — so you’re covered for damage to your vehicle as well as harm you inflict on others. Even though rates will be higher than state-minimum policies, investing in full coverage is smart if your car has considerable resale value, because it ensures your vehicle gets repaired or replaced after a serious loss. Alabama residents should shop around among providers to land the most competitive price without compromising on benefits.
Below are the cheapest auto insurers in Alabama for full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $163 | $1,957 |
| Bluefire | $164 | $1,968 |
| Progressive | $192 | $2,299 |
| The General | $212 | $2,547 |
| National General | $220 | $2,636 |
| Safeco | $224 | $2,691 |
| Trexis | $249 | $2,986 |
| Bristol West | $272 | $3,263 |
| Clearcover | $296 | $3,547 |
| First Acceptance | $296 | $3,550 |
Minimum liability vs. full coverage in Alabama
A minimum liability policy costs less than full coverage, but Alabama’s mandated insurance requirements may not cover all injury and property damage costs if you cause a serious crash.
Full coverage includes Alabama’s minimum requirements, plus coverage for your own vehicle. Here’s what it typically includes:
- Liability insurance: Pays for injuries or property damage you cause to someone else in an accident, up to your policy limits.
- Collision coverage: Pays for damage to your vehicle from an accident regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Pays for vehicle damage caused by a non-collision event like weather and theft. This coverage typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Alabama
Younger drivers in Alabama will likely pay more for car insurance than older drivers. That’s because younger drivers have less experience on the road and providers view them as riskier to insure. Without a long driving history, it’s harder for insurers to predict safe behavior, which often leads to increased premiums. Even with a clean record, age alone can be enough to raise rates. Comparing quotes and looking for discounts is key to finding more affordable options.
Below are the average costs of car insurance in Alabama for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $272 | $3,266 |
| 21-24 | $228 | $2,735 |
Cheap liability car insurance in Alabama for a 20-year-old
A 20-year-old in Alabama might opt for low-cost liability-only car insurance to stay legally insured while keeping expenses down. For drivers with older vehicles or limited driving needs, full coverage may not make financial sense. Liability insurance meets Alabama’s minimum requirements and offers basic protection without the higher premiums of more comprehensive plans.
Below are the cheapest auto insurers in Alabama for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $133 | $1,593 |
| National General | $134 | $1,612 |
| Bluefire | $146 | $1,754 |
| Trexis | $146 | $1,756 |
| Assurance America | $157 | $1,883 |
Cheap full coverage in Alabama for a 20-year-old
A 20-year-old in Alabama might choose full coverage auto insurance for the added protection it offers, particularly if they drive a newer or financed car. This type of policy not only meets legal requirements but also covers their own vehicle in the event of an accident, theft or storm damage — common risks in the region. For young drivers still gaining financial footing, avoiding major repair or replacement costs can be crucial. Full coverage helps protect both their car and their budget in unpredictable situations.
Here are the most affordable insurers in Alabama for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $299 | $3,592 |
| Bluefire | $326 | $3,918 |
| Trexis | $333 | $3,996 |
| Assurance America | $354 | $4,244 |
| Root | $356 | $4,270 |
Average auto insurance costs for mature drivers in Alabama (25-54)
More experienced drivers usually pay less for auto insurance because they’re seen as lower-risk based on years of driving without major incidents. Insurers consider a solid driving record as an indicator of safer behavior. This often leads to more competitive rates compared to younger or less experienced drivers. Over time, good habits behind the wheel can translate into meaningful savings.
Below are the average costs of car insurance for drivers in Alabama between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $183 | $2,196 |
| 35-44 | $151 | $1,815 |
| 45-54 | $146 | $1,752 |
Cheapest liability car insurance in Alabama for a 35-year-old
A 35-year-old in Alabama might choose liability-only car insurance if their vehicle isn’t new or holds limited resale value. With years of driving experience and a clean record, they can often secure low premiums while meeting state coverage requirements. In Alabama’s mix of rural roads and city traffic, liability coverage can be enough for a cautious, budget-conscious driver. It’s a sensible option for someone who wants basic protection without overpaying.
Here are the most affordable insurers in Alabama for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $59 | $703 |
| The General | $69 | $823 |
| National General | $77 | $919 |
| Trexis | $77 | $924 |
| Assurance America | $79 | $947 |
Cheapest full coverage in Alabama for a 35-year-old
A 35-year-old might choose full coverage auto insurance to protect a vehicle they depend on for commuting across both rural highways and busy urban areas. With unpredictable weather and varied driving conditions, comprehensive protection adds an extra layer of security. It can help cover repairs or replacements after accidents, storms or theft. For drivers who value peace of mind and want to avoid major expenses, full coverage is often worth the investment.
Here are the most affordable insurers in Alabama for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $153 | $1,842 |
| The General | $173 | $2,071 |
| Assurance America | $186 | $2,227 |
| Safeco | $194 | $2,327 |
| Progressive | $195 | $2,343 |
Average car insurance costs for older drivers in Alabama (55+)
The cost of car insurance typically starts to increase again once a driver hits 65. In Alabama, older drivers may notice a gradual rise in car insurance premiums as physical changes start to affect their driving habits. Challenges like slower reflexes or limited night vision can contribute to higher perceived risk. Even with decades of safe driving, insurers may adjust rates to reflect new safety concerns. This shift often reflects caution, not criticism, from insurance companies.
Below are the average costs of car insurance for drivers in Alabama 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $139 | $1,667 |
| 65+ | $155 | $1,864 |
Cheapest liability car insurance in Alabama for a 65-year-old
In Alabama, older drivers might lean toward liability-only insurance if they mostly drive locally and avoid heavy traffic areas. A paid-off vehicle with modest value may not justify full coverage anymore. Seniors who are careful behind the wheel often find this basic option sufficient. It’s a smart way to stay legally covered without overspending.
Here are the most affordable insurers in Alabama for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $50 | $594 |
| Progressive | $57 | $684 |
| Assurance America | $60 | $720 |
| National General | $61 | $735 |
| First Acceptance | $62 | $742 |
Cheapest full coverage in Alabama for a 65-year-old
A 65-year-old in Alabama may opt for full coverage insurance to safeguard their car from accidents, natural hazards or theft. At this life stage, protecting savings from costly repairs becomes essential. Many seniors rely on their vehicles for errands and social activities and appreciate the reassurance that comes with thorough insurance. Full coverage offers a reliable way to preserve both their vehicle’s condition and their financial well-being.
Below are the cheapest auto insurers in Alabama for 65-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $116 | $1,388 |
| Bluefire | $139 | $1,666 |
| Progressive | $150 | $1,796 |
| National General | $175 | $2,100 |
| Gainsco | $184 | $2,213 |
Cheapest car insurance in Alabama by driving history
Your driving history is a big factor in your auto insurance costs in Alabama. If you have a clean driving record, you’ll probably pay less for coverage than someone with a speeding ticket, at-fault accident or DUI. A history that shows frequent incidents may signal a tendency for unsafe driving habits. Insurance providers use this pattern to determine the likelihood of future claims. Your past behavior behind the wheel influences the rates and coverage you’re likely to be offered.
Cheap car insurance for drivers with clean records in Alabama
Drivers in Alabama who maintain a clear record can benefit from favorable insurance conditions. Insurers are more inclined to offer flexible plans to those who show consistent, safe driving. A spotless history can also lead to smoother application processes and quicker policy approvals. It reflects a reliable and cautious approach to driving, which is appealing to insurance companies.
Below are the cheapest auto insurers in Alabama for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $65 | $779 |
| Anchor General | $91 | $1,092 |
| Bluefire | $117 | $1,409 |
| Assurance America | $121 | $1,449 |
| Commonwealth Insurance | $123 | $1,474 |
Cheapest car insurance with a speeding ticket in Alabama
A speeding ticket in Alabama can negatively affect how your driving is perceived by insurance carriers. It suggests a willingness to disregard speed regulations, which raises red flags about potential accident risks. Insurers may interpret this behavior as a sign of impulsive or careless driving. As a result, your insurance options may become more limited or more expensive.
Here are the most affordable insurers in Alabama for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $57 | $678 |
| Safeco | $131 | $1,573 |
| Bluefire | $141 | $1,687 |
| Assurance America | $170 | $2,042 |
| Progressive | $174 | $2,093 |
Cheapest car insurance after an at-fault accident with no injury in Alabama
When you’re responsible for an accident in Alabama, even without any injuries, it can still have an impact on your insurance status. Being at fault can suggest a lapse in judgment or awareness. Insurance companies may view this as an indicator of possible future risks. This can lead to changes in your premiums or policy terms.
Below are the cheapest auto insurers in Alabama for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $57 | $678 |
| Bluefire | $136 | $1,627 |
| Aspen | $141 | $1,691 |
| Assurance America | $159 | $1,906 |
| The General | $169 | $2,029 |
Cheapest auto insurance after an at-fault accident with injury in Alabama
An accident in Alabama where you’re at fault and someone is hurt is a serious matter in the eyes of insurance providers. It suggests a significant breach in driving responsibility and awareness. This type of incident can influence how companies evaluate your liability moving forward. The presence of an injury makes the event more consequential from a coverage standpoint.
Here are the most affordable insurers in Alabama for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $138 | $1,660 |
| Bristol West | $139 | $1,667 |
| Bluefire | $146 | $1,754 |
| Trexis | $159 | $1,904 |
| First Acceptance | $160 | $1,917 |
Cheapest car insurance with a DUI in Alabama
Driving under the influence in Alabama carries serious insurance implications. It reflects a disregard for public safety and responsible driving standards. Insurers may respond by altering your policy terms or classifying you as a higher-risk driver. The long-term consequences may follow you across future policy renewals.
Here are the most affordable insurers in Alabama for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $80 | $965 |
| Gainsco | $108 | $1,290 |
| Embark General | $155 | $1,859 |
| The General | $166 | $1,987 |
| Trexis | $166 | $1,993 |
Average auto insurance costs for Alabama drivers with other violations
In Alabama, violations such as reckless driving, ignoring road signs or operating a vehicle with a suspended license can signal risky behavior. These actions are often viewed by insurers as signs of unreliable or unpredictable driving patterns. Repeated issues can create a negative impression that’s hard to overcome. This perception can shape both the cost and availability of your insurance coverage.
Below are average car insurance costs in Alabama for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $88 | $1,054 |
| Defective Equipment | $212 | $2,539 |
| Driving on Sus. License | $188 | $2,257 |
| Eluding Police | $120 | $1,440 |
| Failure to Obey Traffic Sign | $169 | $2,026 |
Cheapest auto insurance for low credit scores in Alabama
In Alabama, a lower credit score can be seen by insurers as a warning sign of higher risk. Drivers with financial instability may be perceived as more likely to lapse in coverage or file claims. Insurers often take this into account when setting rates. It can also impact eligibility for more flexible policy terms.
Below are the most affordable insurers in Alabama for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $59 | $712 |
| Anchor General | $91 | $1,092 |
| Bluefire | $115 | $1,381 |
| Assurance America | $136 | $1,630 |
| Progressive | $156 | $1,873 |
More: How credit-based insurance scores work
How to find cheap car insurance in Alabama
You can get the cheapest car insurance by comparing car insurance quotes from multiple insurers. Rates can vary widely by insurance company, so your current insurer may not offer you the best rate available.
Here are some steps you can take to find cheap auto insurance in Alabama:
- Ask about discounts you qualify for.
- Install a telematic device on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
You can keep your car insurance costs down by practicing safe driving habits so you don’t get into an accident or get a ticket. For example, a citation for running a red light in Alabama might increase your insurance costs.
Be sure to also avoid speeding, tailgating and distracted driving — like texting while driving — and fumbling with the radio.
More: Best car insurance companies
Factors that affect car insurance costs in Alabama
Alabama insurers price auto insurance rates using various factors, including:
- ZIP code.
- Driving record.
- The type of vehicle you drive.
- Credit score.
- Claims history.
- Age.
- Deductible amount.
- Marital status.
More: How car insurance rates are calculated
Methodology
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 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.
