The Cheapest Car Insurance in Alabama for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Alabama for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Alabama isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Alabama is $1,735 per year, or about $145 per month, according to NerdWallet’s analysis. Minimum coverage in Alabama is $575 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Alabama at $261 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in Alabama

$100/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$22/month

4.5

NerdWallet rating 

Cheapest for young drivers

$169/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

Safeway

$100/month

Not yet rated.

How we chose the cheapest companies in Alabama

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Alabama and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Alabama. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Alabama for 20-year-olds

Drivers in Alabama with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Allstate: $2,031 per year, or about $169 per month.

  2. Travelers: $2,096 per year, or about $175 per month.

  3. Geico: $2,340 per year, or about $195 per month.

  4. Country Financial: $2,606 per year, or about $217 per month.

  5. Safeway: $2,674 per year, or about $223 per month.

Cheapest minimum coverage car insurance in Alabama for 20-year-olds

Drivers in Alabama who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Travelers: $599 per year, or about $50 per month.

  2. Geico: $603 per year, or about $50 per month.

  3. Allstate: $618 per year, or about $52 per month.

  4. Country Financial: $831 per year, or about $69 per month.

  5. Safeway: $938 per year, or about $78 per month.

Cheapest auto insurance in Alabama for 20-year-olds with poor credit

Drivers with poor credit in Alabama should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $854 per year, or about $71 per month.

  2. Travelers: $891 per year, or about $74 per month.

  3. Safeway: $938 per year, or about $78 per month.

  4. Allstate: $1,018 per year, or about $85 per month.

  5. Country Financial: $1,248 per year, or about $104 per month.

Cheapest auto insurance in Alabama for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Alabama, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $771 per year, or about $64 per month.

  2. Geico: $970 per year, or about $81 per month.

  3. Allstate: $1,056 per year, or about $88 per month.

  4. Country Financial: $1,071 per year, or about $89 per month.

  5. Safeway: $1,220 per year, or about $102 per month.

Cheapest auto insurance in Alabama for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Allstate: $838 per year, or about $70 per month.

  2. Travelers: $858 per year, or about $72 per month.

  3. State Farm: $1,134 per year, or about $94 per month.

  4. Geico: $1,246 per year, or about $104 per month.

  5. Safeway: $1,360 per year, or about $113 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Alabama for 30-year-olds

Drivers in Alabama with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,206 per year, or about $100 per month.

  2. Allstate: $1,249 per year, or about $104 per month.

  3. Travelers: $1,272 per year, or about $106 per month.

  4. Donegal: $1,472 per year, or about $123 per month.

  5. State Farm: $1,634 per year, or about $136 per month.

Cheapest minimum coverage car insurance in Alabama for 30-year-olds

Drivers in Alabama who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $262 per year, or about $22 per month.

  2. Travelers: $366 per year, or about $30 per month.

  3. Allstate: $420 per year, or about $35 per month.

  4. State Farm: $440 per year, or about $37 per month.

  5. Country Financial: $500 per year, or about $42 per month.

Cheapest auto insurance in Alabama for 30-year-olds with poor credit

Drivers with poor credit in Alabama should consider the following companies with the lowest average rates for full coverage:

  1. Safeway: $1,644 per year, or about $137 per month.

  2. Geico: $1,677 per year, or about $140 per month.

  3. Allstate: $2,079 per year, or about $173 per month.

  4. Travelers: $2,224 per year, or about $185 per month.

  5. Country Financial: $2,678 per year, or about $223 per month.

Cheapest auto insurance in Alabama for 30-year-old drivers with one at-fault crash

For drivers in Alabama with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,654 per year, or about $138 per month.

  2. Allstate: $1,979 per year, or about $165 per month.

  3. Safeway: $1,990 per year, or about $166 per month.

  4. Geico: $2,055 per year, or about $171 per month.

  5. State Farm: $2,167 per year, or about $181 per month.

Cheapest auto insurance in Alabama for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Allstate: $1,679 per year, or about $140 per month.

  2. Travelers: $1,786 per year, or about $149 per month.

  3. State Farm: $1,893 per year, or about $158 per month.

  4. Safeway: $2,135 per year, or about $178 per month.

  5. Progressive: $2,557 per year, or about $213 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Alabama for 40-year-olds

Drivers in Alabama with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Travelers: $1,139 per year, or about $95 per month.

  2. Geico: $1,194 per year, or about $100 per month.

  3. Allstate: $1,244 per year, or about $104 per month.

  4. Donegal: $1,472 per year, or about $123 per month.

  5. Safeway: $1,489 per year, or about $124 per month.

Cheapest minimum coverage car insurance in Alabama for 40-year-olds

Drivers in Alabama who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $261 per year, or about $22 per month.

  2. Travelers: $336 per year, or about $28 per month.

  3. Allstate: $415 per year, or about $35 per month.

  4. Country Financial: $423 per year, or about $35 per month.

  5. State Farm: $439 per year, or about $37 per month.

Cheapest auto insurance in Alabama for 40-year-olds with poor credit

Drivers with poor credit in Alabama can check out the following insurers with the lowest average rates for full coverage:

  1. Safeway: $1,489 per year, or about $124 per month.

  2. Geico: $1,651 per year, or about $138 per month.

  3. Travelers: $1,932 per year, or about $161 per month.

  4. Allstate: $2,070 per year, or about $172 per month.

  5. Country Financial: $2,304 per year, or about $192 per month.

Cheapest auto insurance in Alabama for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Alabama, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,564 per year, or about $130 per month.

  2. Safeway: $1,798 per year, or about $150 per month.

  3. Allstate: $1,974 per year, or about $164 per month.

  4. Country Financial: $2,024 per year, or about $169 per month.

  5. Geico: $2,035 per year, or about $170 per month.

Cheapest auto insurance in Alabama for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Allstate: $1,674 per year, or about $140 per month.

  2. Travelers: $1,689 per year, or about $141 per month.

  3. State Farm: $1,852 per year, or about $154 per month.

  4. Safeway: $1,926 per year, or about $160 per month.

  5. Progressive: $2,411 per year, or about $201 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Alabama for 50-year-olds

Drivers in Alabama with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Travelers: $1,118 per year, or about $93 per month.

  2. Geico: $1,147 per year, or about $96 per month.

  3. Allstate: $1,193 per year, or about $99 per month.

  4. Donegal: $1,384 per year, or about $115 per month.

  5. Safeway: $1,390 per year, or about $116 per month.

Cheapest minimum coverage car insurance in Alabama for 50-year-olds

Drivers in Alabama who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $252 per year, or about $21 per month.

  2. Travelers: $336 per year, or about $28 per month.

  3. Country Financial: $365 per year, or about $30 per month.

  4. Allstate: $399 per year, or about $33 per month.

  5. Safeway: $418 per year, or about $35 per month.

Cheapest auto insurance in Alabama for 50-year-olds with poor credit

Drivers with poor credit in Alabama can check with the following companies, which showed the lowest average rates for full coverage:

  1. Safeway: $1,390 per year, or about $116 per month.

  2. Geico: $1,585 per year, or about $132 per month.

  3. Travelers: $1,896 per year, or about $158 per month.

  4. Allstate: $1,985 per year, or about $165 per month.

  5. Country Financial: $2,057 per year, or about $171 per month.

Cheapest auto insurance in Alabama for 50-year-old drivers with one at-fault crash

For drivers living in Alabama with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Travelers: $1,537 per year, or about $128 per month.

  2. Safeway: $1,676 per year, or about $140 per month.

  3. Country Financial: $1,847 per year, or about $154 per month.

  4. Geico: $1,883 per year, or about $157 per month.

  5. Allstate: $1,900 per year, or about $158 per month.

Cheapest auto insurance in Alabama for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Allstate: $1,608 per year, or about $134 per month.

  2. Travelers: $1,660 per year, or about $138 per month.

  3. Safeway: $1,795 per year, or about $150 per month.

  4. State Farm: $1,814 per year, or about $151 per month.

  5. Country Financial: $2,151 per year, or about $179 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Alabama for 60-year-olds

Drivers in Alabama with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Travelers: $1,034 per year, or about $86 per month.

  2. Geico: $1,133 per year, or about $94 per month.

  3. Allstate: $1,167 per year, or about $97 per month.

  4. Country Financial: $1,383 per year, or about $115 per month.

  5. Donegal: $1,384 per year, or about $115 per month.

Cheapest minimum coverage car insurance in Alabama for 60-year-olds

Drivers in Alabama who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $255 per year, or about $21 per month.

  2. Travelers: $323 per year, or about $27 per month.

  3. Country Financial: $356 per year, or about $30 per month.

  4. Allstate: $407 per year, or about $34 per month.

  5. State Farm: $409 per year, or about $34 per month.

Cheapest auto insurance in Alabama for 60-year-olds with poor credit

Drivers with poor credit in Alabama can look at the following companies with the lowest average rates for full coverage:

  1. Safeway: $1,450 per year, or about $121 per month.

  2. Geico: $1,476 per year, or about $123 per month.

  3. Travelers: $1,759 per year, or about $147 per month.

  4. Allstate: $1,941 per year, or about $162 per month.

  5. Country Financial: $1,984 per year, or about $165 per month.

Cheapest auto insurance in Alabama for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Alabama, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,486 per year, or about $124 per month.

  2. Safeway: $1,755 per year, or about $146 per month.

  3. Country Financial: $1,811 per year, or about $151 per month.

  4. Allstate: $1,866 per year, or about $156 per month.

  5. State Farm: $1,968 per year, or about $164 per month.

Cheapest auto insurance in Alabama for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Allstate: $1,576 per year, or about $131 per month.

  2. Travelers: $1,606 per year, or about $134 per month.

  3. State Farm: $1,718 per year, or about $143 per month.

  4. Safeway: $1,884 per year, or about $157 per month.

  5. Country Financial: $2,074 per year, or about $173 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 39 of the 48 driver profiles we examined.

Minimum car insurance requirements in Alabama

Alabama drivers are required to purchase liability insurance, which kicks in if you cause a crash to pay for others’ injury treatment and property damage.

The minimum limits you must select are:

  • $25,000 bodily injury liability coverage per person.

  • $50,000 bodily injury liability coverage per crash.

  • $25,000 property damage liability coverage per crash.

It’s typically smart to get more than the bare minimum, however, as these limits may not be enough to fully cover costs if the incident is serious.

Visit NerdWallet's guide to car insurance requirements by state for more detail on how the required and optional coverages of your auto policy work.

Alternative car insurance in Alabama

If you’ve been denied car insurance on the voluntary market because of violations, poor credit or other factors, you can apply for coverage through the Alabama Automobile Insurance Plan.

Drivers searching for cheap car insurance in Alabama can also try NerdWallet’s car insurance comparison tool to easily review estimates.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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