Cheap Auto Insurance in Alabama for 2024 (Save Money With These 10 Companies)
The best providers of cheap auto insurance in Alabama are Geico, Nationwide, and American Family, with rates starting at $32/month. Geico offers low rates and discounts, Nationwide features vanishing deductibles, and American Family rewards safe driving, making them ideal for car insurance in Alabama.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Nov 20, 2024
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2,180 reviewsGeico is the overall best choice for cheap auto insurance in Alabama because of its very low rates combined with the full availability of car insurance discounts.
Among other top contenders for cheap car insurance in Alabama, two of the strongest include Nationwide and American Family. They offer competitive pricing and exclusive rewards, including safe-driving incentives and vanishing deductibles in various combinations. At prices starting at $32 a month, these carriers stand out in terms of affordable Alabama auto insurance, balancing value with coverage.
Our Top 10 Company Picks: Cheap Auto Insurance in Alabama
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | A++ | Good Student | Geico |
 | #2 | $34 | A+ | Vanishing Deductibles | Nationwide |
 | #3 | $38 | A | Safe-Driving Rewards | American Family |
 | #4 | $39 | A+ | Bundle Policies | Allstate |
 | #5 | $40 | B | Affordable Rates | State Farm |
 | #6 | $41 | A+ | Multi-Policy Discounts | Progressive |
 | #7 | $47 | A | Competitive Discounts | Safeco |
 | #8 | $48 | A | Great Add-ons | Farmers |
 | #9 | $50 | A | High-Risk Coverage | The General |
 | #10 | $58 | A | Accident Forgiveness | Liberty Mutual |
No matter if you are seeking liability-only or full protection, these providers combine low prices with generous discounts to help you save money. Enter your ZIP code above to compare quotes from top-rated Alabama auto insurance companies.
- Cheap auto insurance in Alabama starts at just $32/month
- Affordable coverage options meet diverse driver needs
- Geico leads with top savings and discounts for drivers in Alabama
Male vs. Female Annual Car Insurance Rates in Alabama
Alabama auto insurance comes in various packages and rates depending on the driver’s age, gender, and type of insurance they select. The minimum package rates are between $32 and $58 per month. Full coverage ranged between $89 and $162 per month; Geico was relatively cheaper in both categories.
Alabama Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $39 | $108 |
| $38 | $105 |
| $48 | $133 |
| $32 | $89 |
| $58 | $162 |
| $34 | $96 |
| $41 | $112 |
| $47 | $130 |
| $40 | $108 |
| $50 | $138 |
The youngest drivers, around 17 years old, seem to pay the highest prices across all companies because of lack of experience. Males usually tend to pay more than females. These factors affect your auto insurance rates and thus necessitate a comparison of providers to engage the most cost-effective options. Gender also plays a role in pricing, although its impact changes with age.
306-Male-vs-Female-Annual-Car-Insurance-Rates-in-Alabama-2019-03-01.csv
| Company | Married 35-year-old female | Married 35-year-old male | Married 60-year-old female | Married 60-year-old male | Single 17-year-old female | Single 17-year-old male | Single 25-year-old female | Single 25-year-old male |
|---|---|---|---|---|---|---|---|---|
| Allstate P&C | $2,003.19 | $1,911.71 | $1,810.29 | $1,845.47 | $6,912.73 | $7,426.75 | $2,248.40 | $2,300.90 |
| Geico Cas | $2,056.10 | $2,040.76 | $1,948.49 | $2,007.68 | $5,383.66 | $5,284.58 | $2,171.19 | $2,018.96 |
| Mid-Century Ins Co | $2,391.72 | $2,374.46 | $2,137.64 | $2,269.18 | $9,212.40 | $9,480.84 | $2,718.78 | $2,828.88 |
| Nationwide Mutual Fire | $1,739.15 | $1,761.83 | $1,583.95 | $1,641.07 | $4,558.03 | $5,880.92 | $1,929.78 | $2,158.89 |
| Progressive Specialty | $2,413.50 | $2,264.79 | $1,979.19 | $2,112.90 | $9,878.37 | $11,026.64 | $2,824.87 | $3,005.15 |
| Safeco Ins Co of IL | $3,086.86 | $3,335.34 | $2,530.47 | $2,830.81 | $11,250.27 | $12,511.44 | $3,289.13 | $3,504.83 |
| State Farm Mutual Auto | $2,934.88 | $2,934.88 | $2,651.27 | $2,651.27 | $8,835.43 | $11,068.85 | $3,314.66 | $3,821.44 |
| Travelers Home & Marine Ins Co | $1,501.32 | $1,524.86 | $1,407.98 | $1,403.64 | $8,037.20 | $12,641.31 | $1,422.13 | $1,631.77 |
| USAA | $1,323.02 | $1,343.67 | $1,235.40 | $1,211.80 | $3,938.27 | $4,367.32 | $1,723.56 | $1,861.50 |
For example, 35-year-old married women may pay slightly more than men, while the reverse is true for some 60-year-olds. Teenage males face the highest gender-related rates. To find cheap car insurance, Alabama drivers should consider factors like driving history and marital status, as these often outweigh gender in determining costs.
Comparing providers like Geico, Liberty Mutual, and USAA can help identify the best car insurance in Alabama that is tailored to individual needs. Entering your ZIP code below will compare rates from the best providers in Alabama.
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Ratings of the Largest Car Insurance Companies in Alabama
When you compare auto insurance companies in Alabama, top providers like Allstate, Geico, Progressive, and USAA boast strong AM Best ratings of A+ or A++. Geico leads with a 10.07% market share and a 74.78% loss ratio. Allstate follows at 10.40% market share and a 49.83% loss ratio. Progressive (7.14%) and USAA (6.99%) also maintain strong financial standings.
Auto Insurance Discounts From the Top Providers in Alabama
| Insurance Company | Available Discounts |
|---|---|
| Signal app (safe driver), multi-policy, good student, pay in full, alternative fuel |
| New car replacement, multi-policy, homeowner, military, accident-free, paperless billing |
| SmartRide program, accident-free, multi-policy, easy pay sign-up, good student |
| Good driver, multi-policy, military, good student, anti-theft, defensive driving |
| Multi-policy, accident prevention, anti-theft, safe driver, homeowner |
| Snapshot program, multi-policy, continuous coverage, safe driver, teen driver |
| Steer Clear (young drivers), multi-policy, good student, safe vehicle, accident-free |
| Good driver, multi-vehicle, military, homeowner, prior insurance, continuous coverage |
| Safe driving, multi-policy, early signing, new car, anti-theft, responsible payer |
| Loyalty, early bird, low mileage, teen driver, auto safety equipment, good student |
Liberty Mutual and Farmers are also stable, though Farmers has an NR (Not Rated) status. If you’re looking for cheap auto insurance in Alabama, many companies offer discounts that help lower your premiums. Allstate provides discounts for safe driving, multi-policy bundling, and alternative fuel vehicles. Geico offers discounts for good drivers, military members, and anti-theft devices.
309-Alabama-AM-Best-Ratings-2019-03-01.csv
| Allstate Insurance Group | A+ | $345,603 | 10.40% | 49.83% |
| Geico | A++ | $334,835 | 10.07% | 74.78% |
| Progressive Group | A+ | $237,440 | 7.14% | 59.82% |
| USAA Group | A++ | $232,334 | 6.99% | 79.17% |
| Nationwide Corp Group | A+ | $92,628 | 2.79% | 67.33% |
| Amtrust NGH Group | A- | $82,940 | 2.50% | 65.13% |
| Liberty Mutual Group | A | $82,140 | 2.47% | 68.13% |
| Farmer's Insurance Group | NR | $79,981 | 2.41% | 53.33% |
Through its Steer Clear program, progressive features discounts for young drivers, while State Farm, Safeco, and Nationwide have discounts for safe driving, multi-policy, and continuous coverage. It is pretty basic to understand Alabama auto insurance requirements and mandates from its insurers.
The average cost of car insurance in Alabama depends on the kind of provider, your driving record, and the kind of insurance coverage you select in Alabama. It’s important to balance a competitive price and solid coverage to ensure you meet state requirements while protecting yourself financially. Start comparing total coverage auto insurance rates by entering your ZIP code below.
Quirky Alabama Laws and Car Insurance Essentials
The celebration of a University of Alabama Football National Championship often spans large revelry, passionate fans, and a lot of confetti in the showers. However, in Mobile, throwing confetti is actually against the law.
This is just one of many quirky Alabama car insurance laws, alongside strange rules like prohibiting throwing salt on railroad tracks and wearing a fake mustache that provokes laughter in a church. While these outdated laws are unlikely to affect daily life, they reflect the unique legal landscape in Alabama.
As for driving, you should know Alabama car insurance requirements so that you are obeying the law. From Fault vs. No-Fault auto insurance laws to seatbelt usage and speed limit rules, knowledge in such areas is a must. Whether you’re looking for coverage for your vehicle or just trying to stay compliant, finding the best Alabama car insurance is key to staying safe and legal on the road.
Premiums as Percentage of Income in Alabama
Geico is the best choice for affordable auto insurance in Alabama, with rates starting as low as $32 per month.
Jeff Root Licensed Insurance Agent
Alabama’s annual per capita disposable income is $33,535.
Disposable personal income (DIP) is the total amount of money individuals have available to spend or save after their taxes have been paid. This means residents of Alabama have only $2,794 to spend a month, and that amount can be eaten up quickly when you are paying for food, clothing, and shelter.
When you add in car insurance, which residents in Alabama pay on average $837 for annually, the monthly budget shrinks to even less!
Everyone wants to save money each month, make sure you’re not paying too much on car insurance. Get started saving now by clicking here and entering your zip code in our FREE online search tool.
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Required Forms of Financial Responsibility in Alabama
Meeting Alabama’s financial responsibility laws is essential for all drivers and vehicle owners, ensuring you carry at least the Alabama minimum car insurance requirements to drive legally.
Failure to comply might take the shape of fines, license suspension, and even registration revocation, so it’s better to understand the obligations first and find an affordable way to be covered, such as cheap car insurance in Phenix City, AL.
- Understand the Requirement: Alabama law requires all drivers and vehicle owners to meet the Minimum Car Insurance Requirements, which ensure financial responsibility on the road.
- Obtain Proof of Insurance: Proof of compliance can include a current insurance policy, a valid insurance binder, liability insurance ID cards, or a photo of your coverage on a smartphone.
- Keep Proof Accessible: Have your insurance details available to meet the law’s standard of being easily accessible, whether as hardcopy or electronically.
- Know the Penalties: Failure to meet the Alabama minimum car insurance requirements can lead to hefty fines, suspended licenses, revoked registrations, and costly reinstatement fees.
- Find Affordable Coverage: Explore options for cheap car insurance in Phenix City, AL, to stay compliant without exceeding your budget; this can help you manage the average cost of car insurance in Alabama, which varies based on location and driving history.
By following these steps, you can prevent legal problems and ensure you’re meeting Alabama’s financial responsibility laws effectively and affordably.
Discover Affordable Auto Insurance Coverage in Alabama
Geico, Nationwide, and American Family lead providers for those wanting cheap insurance in Alabama: affordable auto insurance coverage starts at $32/month, with many discounts for safe driving and bundling policies. Premiums are influenced by age, gender, and marital status, with young male drivers generally facing higher costs.
Alabama’s law mandates minimum coverage, and failure to meet the requirements could also lead to a fine or license suspension. To find the best value and ensure sufficient protection, comparing Alabama car insurance quotes is highly vital. Put in your ZIP code below to get tailored options and meet state regulations.