Who Has the Cheapest Car Insurance Quotes in Alabama? - ValuePenguin

best cheap car insurance in alabama

To get the lowest rates, you should always compare quotes from multiple companies in Alabama. Factors like your age, vehicle, address, and driving history can have a significant impact on your rates.

cheapest auto insurance quotes in alabama: state farm

state farm ranks as the cheapest insurance company in alabama for minimum auto insurance. Buying less coverage means you’ll pay less in monthly premiums, but it also means you’ll have less protection in the event of an accident.

Reading: How much is car insurance in alabama

cheapest full coverage auto insurance in alabama: state farm

The cheapest auto insurance company in Alabama on average is State Farm, with annual full coverage quotes of $1,493, 14% less than the state average. state farm is closely followed by allstate. nationally it was the third cheapest insurer.

Nationwide only, state farm and allstate have rates below the state average, but the cheapest option is in the us. At $1,086 per year, rates for USAA are cheaper than average, but only current or former military members and their families can qualify for a policy.

Other major insurers known for their cheap rates, like Geico and Progressive, were more expensive in Alabama than other states, but you should shop around to find the best rates.

the cheapest car insurance for drivers with previous incidents

allstate offers the best rates in alabama for drivers with a dui on their record. While not the absolute cheapest option for drivers with a speeding ticket or accident, Allstate’s rates are consistently affordable. Plus, their accident forgiveness program can help you avoid a rate increase if you can take advantage of it before you’re involved in an accident.

The average cost of auto insurance in Alabama is higher for drivers who have a citation for a moving violation, DUI, or at-fault accident on their driving record.

cheapest car insurance after a speeding ticket: state farm

Getting a speeding ticket can raise your rates almost as much as getting in an accident, typically around 18% in Alabama. drivers in alabama caught speeding may be able to find the cheapest auto insurance with state farm. Compared to the average cost for people with a speeding ticket, state farm rates are $432 cheaper.

cheapest auto insurance quotes after an accident: state farm

other than usaa, the cheapest insurer in alabama after an at-fault accident is state farm, which only increased rates by about 22% for a driver who caused a car accident. An insurer may consider you a riskier customer if you have a history of accidents or traffic violations.

the rest of alabama’s major insurers increased rates an average of 56% per year after an accident. progressive and geico penalized drivers more, increasing rates by 64%.

the cheapest car insurance after a dui: allstate

getting a dui can make your rates 86% more expensive in alabama. Drivers with a DUI on their record could get the cheapest full coverage auto insurance quotes from Allstate, where costs are 35% cheaper than average for drivers with a DUI.

cheapest auto insurance for drivers with bad credit: nationwide

For drivers with poor credit, the average cost of auto insurance in Alabama can be more than 63% more expensive than for drivers with average credit. national offers the best rates for drivers with bad credit, approximately $624 less than the average.

cheapest car insurance for married drivers: state farm

Married drivers can get a small discount on their car insurance premiums. they can save an average of 10%, or $167 per year, compared to individual drivers. If you’re a married driver in Alabama, state farm has the lowest rates on average, closely followed by allstate and progressive.

cheapest car insurance quotes for young drivers in alabama: state farm

Young drivers looking for the cheapest auto insurance in alabama might find the best rates with state farm or allstate, which have liability rates of less than $2,000 per year. state farm offers the cheapest full coverage auto insurance and is about 10% cheaper than average.

Car insurance for young drivers is often much more expensive than for more experienced drivers. The average cost of minimum coverage car insurance for 18-year-olds is more than triple that for 30-year-olds.

cheapest car insurance for young drivers after a ticket: state farm

Young drivers who get caught driving too fast can find the best auto insurance from state farm. At an average rate of $2,119 per year, their liability coverage is only slightly cheaper than Allstate’s, the second-cheapest option, at $2,222 per year. The good news for young drivers with a ticket is that their rates won’t go up as much as drivers who have been in an accident.

cheapest car insurance for young drivers after an accident: state farm

Young drivers already pay a lot for car insurance, and being at fault in an accident is a major cause of rising insurance rates. state farm has the best prices for minimum coverage for young drivers who were at fault in an accident, averaging $2,437 per year.

the best auto insurance companies in alabama

state farm has a high customer satisfaction score, according to j.d. energy 2021 usa uu. auto insurance study, and is also highly rated by our editorial team, with four and a half stars, which are ranked based on company coverage, cheap quotes, and customer service.

all of the companies we examined had a financial strength rating of a.m. best of “a” or better, which means that a.m. best believes they have “excellent” or “superior” ability to pay claims.

average cost of auto insurance in alabama by city

The average cost of full coverage auto insurance in Alabama is $1724 per year, but where you live in the state can mean a very different price. the range between the cheapest city in alabama and the most expensive city is $554 per year, on average.

minimum car insurance requirements in alabama

Drivers are required to carry a certain amount of liability insurance in Alabama by law.

We suggest you purchase more coverage than is required by state law, but you should balance the increased protection against increased premiums for paying for more coverage. Consider getting more coverage if you have a high net worth, a valuable car, or if you regularly drive in a risky way, such as driving at night or long distances.

an overview of the cheapest auto insurance quotes in alabama

frequently asked questions

methodology

We collect thousands of alabama zip code rates for some of the state’s largest insurers. We use a sample controller with the following profile:

The base policy for the study was a full coverage policy with the following limits:

For our minimum coverage policy, we quote a policy with the minimum limits required in Alabama.

For other rate analyzes (age, credit score, accident history, and marital status), the base policy was changed to reflect the new driver.

valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.