The Cheapest Car Insurance in Alabama for March 2024

Travelers offers the cheapest car insurance in Alabama, with an average annual rate of $1,719 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Alabama isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Alabama is Travelers at $1,719 per year on average, or $143 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Alabama. Meanwhile, the average cost of full coverage car insurance in Alabama is $1,957 per year, or about $163 per month.

Minimum coverage in Alabama is $450 per year on average, but we found you can likely get a cheaper policy. For example, Auto-Owners offers the cheapest rates in Alabama at $343 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Birmingham.

How we chose the cheapest companies in Alabama

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Alabama and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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 Alabama 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.

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. Travelers: $2,957 per year, or about $246 per month.
  2. Country Financial: $3,099 per year, or about $258 per month.
  3. Auto-Owners: $3,608 per year, or about $301 per month.
  4. State Farm: $4,044 per year, or about $337 per month.
  5. Geico: $4,142 per year, or about $345 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: $749 per year, or about $62 per month.
  2. Auto-Owners: $839 per year, or about $70 per month.
  3. Cincinnati Insurance: $911 per year, or about $76 per month.
  4. Allstate: $946 per year, or about $79 per month.
  5. Country Financial: $955 per year, or about $80 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. Travelers: $1,125 per year, or about $94 per month.
  2. Safeway: $1,150 per year, or about $96 per month.
  3. Geico: $1,218 per year, or about $102 per month.
  4. Allstate: $1,261 per year, or about $105 per month.
  5. Cincinnati Insurance: $1,354 per year, or about $113 per month.

Cheapest auto insurance in Alabama for 20-year-old drivers with one speeding ticket

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

  1. Travelers: $915 per year, or about $76 per month.
  2. Allstate: $974 per year, or about $81 per month.
  3. Cincinnati Insurance: $1,080 per year, or about $90 per month.
  4. Safeway: $1,150 per year, or about $96 per month.
  5. Auto-Owners: $1,175 per year, or about $98 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: $967 per year, or about $81 per month.
  2. Auto-Owners: $1,158 per year, or about $97 per month.
  3. Allstate: $1,191 per year, or about $99 per month.
  4. Country Financial: $1,373 per year, or about $114 per month.
  5. Geico: $1,450 per year, or about $121 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. Travelers: $1,085 per year, or about $90 per month.
  2. Allstate: $1,262 per year, or about $105 per month.
  3. Progressive: $1,428 per year, or about $119 per month.
  4. Country Financial: $1,638 per year, or about $137 per month.
  5. Safeway: $1,668 per year, or about $139 per month.

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

  1. Auto-Owners: $1,767 per year, or about $147 per month.
  2. Travelers: $1,768 per year, or about $147 per month.
  3. State Farm: $1,883 per year, or about $157 per month.
  4. Country Financial: $1,892 per year, or about $158 per month.
  5. Geico: $1,995 per year, or about $166 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. Auto-Owners: $335 per year, or about $28 per month.
  2. Cincinnati Insurance: $366 per year, or about $31 per month.
  3. Geico: $373 per year, or about $31 per month.
  4. State Farm: $430 per year, or about $36 per month.
  5. Allstate: $430 per year, or about $36 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. Geico: $2,393 per year, or about $199 per month.
  2. Country Financial: $2,746 per year, or about $229 per month.
  3. Travelers: $2,994 per year, or about $250 per month.
  4. Cincinnati Insurance: $3,307 per year, or about $276 per month.
  5. Progressive: $3,715 per year, or about $310 per month.

Cheapest auto insurance in Alabama for 30-year-old drivers with one speeding ticket

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

  1. Cincinnati Insurance: $437 per year, or about $36 per month.
  2. Allstate: $461 per year, or about $38 per month.
  3. Auto-Owners: $468 per year, or about $39 per month.
  4. State Farm: $495 per year, or about $41 per month.
  5. Geico: $503 per year, or about $42 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. Auto-Owners: $2,215 per year, or about $185 per month.
  2. Travelers: $2,317 per year, or about $193 per month.
  3. Country Financial: $2,380 per year, or about $198 per month.
  4. State Farm: $2,493 per year, or about $208 per month.
  5. Geico: $3,253 per year, or about $271 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. Travelers: $2,509 per year, or about $209 per month.
  2. Country Financial: $2,773 per year, or about $231 per month.
  3. Progressive: $2,833 per year, or about $236 per month.
  4. State Farm: $2,868 per year, or about $239 per month.
  5. Auto-Owners: $3,234 per year, or about $269 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: $1,574 per year, or about $131 per month.
  2. Country Financial: $1,746 per year, or about $146 per month.
  3. Auto-Owners: $1,767 per year, or about $147 per month.
  4. State Farm: $1,829 per year, or about $152 per month.
  5. Geico: $1,926 per year, or about $161 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. Cincinnati Insurance: $327 per year, or about $27 per month.
  2. Auto-Owners: $354 per year, or about $29 per month.
  3. Geico: $373 per year, or about $31 per month.
  4. Travelers: $424 per year, or about $35 per month.
  5. Country Financial: $425 per year, or about $35 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. Geico: $2,326 per year, or about $194 per month.
  2. Country Financial: $2,503 per year, or about $209 per month.
  3. Travelers: $2,588 per year, or about $216 per month.
  4. Cincinnati Insurance: $3,037 per year, or about $253 per month.
  5. Progressive: $3,398 per year, or about $283 per month.

Cheapest auto insurance in Alabama for 40-year-old drivers with one speeding ticket

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

  1. Cincinnati Insurance: $390 per year, or about $33 per month.
  2. Allstate: $461 per year, or about $38 per month.
  3. Auto-Owners: $495 per year, or about $41 per month.
  4. State Farm: $502 per year, or about $42 per month.
  5. Geico: $510 per year, or about $42 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: $2,181 per year, or about $182 per month.
  2. Country Financial: $2,200 per year, or about $183 per month.
  3. Auto-Owners: $2,218 per year, or about $185 per month.
  4. State Farm: $2,430 per year, or about $202 per month.
  5. Progressive: $3,175 per year, or about $265 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. Travelers: $2,360 per year, or about $197 per month.
  2. Country Financial: $2,531 per year, or about $211 per month.
  3. Progressive: $2,621 per year, or about $218 per month.
  4. State Farm: $2,803 per year, or about $234 per month.
  5. Auto-Owners: $3,245 per year, or about $270 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. Geico: $1,537 per year, or about $128 per month.
  2. Travelers: $1,544 per year, or about $129 per month.
  3. Auto-Owners: $1,639 per year, or about $137 per month.
  4. Country Financial: $1,662 per year, or about $138 per month.
  5. Cincinnati Insurance: $1,727 per year, or about $144 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: $290 per year, or about $24 per month.
  2. Cincinnati Insurance: $292 per year, or about $24 per month.
  3. Auto-Owners: $321 per year, or about $27 per month.
  4. Allstate: $389 per year, or about $32 per month.
  5. Country Financial: $411 per year, or about $34 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. Geico: $2,024 per year, or about $169 per month.
  2. Country Financial: $2,377 per year, or about $198 per month.
  3. Travelers: $2,542 per year, or about $212 per month.
  4. Cincinnati Insurance: $2,674 per year, or about $223 per month.
  5. Progressive: $3,078 per year, or about $257 per month.

Cheapest auto insurance in Alabama for 50-year-old drivers with one speeding ticket

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

  1. Cincinnati Insurance: $348 per year, or about $29 per month.
  2. Allstate: $421 per year, or about $35 per month.
  3. Auto-Owners: $449 per year, or about $37 per month.
  4. Geico: $461 per year, or about $38 per month.
  5. Safeway: $476 per year, or about $40 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. Auto-Owners: $2,049 per year, or about $171 per month.
  2. Country Financial: $2,113 per year, or about $176 per month.
  3. Travelers: $2,140 per year, or about $178 per month.
  4. State Farm: $2,353 per year, or about $196 per month.
  5. Cincinnati Insurance: $2,858 per year, or about $238 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. Travelers: $2,317 per year, or about $193 per month.
  2. Country Financial: $2,405 per year, or about $200 per month.
  3. Progressive: $2,423 per year, or about $202 per month.
  4. State Farm: $2,706 per year, or about $226 per month.
  5. Auto-Owners: $2,984 per year, or about $249 per month.

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: $1,418 per year, or about $118 per month.
  2. Geico: $1,581 per year, or about $132 per month.
  3. Auto-Owners: $1,586 per year, or about $132 per month.
  4. Country Financial: $1,588 per year, or about $132 per month.
  5. Cincinnati Insurance: $1,597 per year, or about $133 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. Cincinnati Insurance: $280 per year, or about $23 per month.
  2. Geico: $309 per year, or about $26 per month.
  3. Auto-Owners: $323 per year, or about $27 per month.
  4. Allstate: $389 per year, or about $32 per month.
  5. State Farm: $397 per year, or about $33 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. Geico: $2,111 per year, or about $176 per month.
  2. Country Financial: $2,284 per year, or about $190 per month.
  3. Travelers: $2,350 per year, or about $196 per month.
  4. Cincinnati Insurance: $2,477 per year, or about $206 per month.
  5. Progressive: $2,935 per year, or about $245 per month.

Cheapest auto insurance in Alabama for 60-year-old drivers with one speeding ticket

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

  1. Cincinnati Insurance: $333 per year, or about $28 per month.
  2. Allstate: $421 per year, or about $35 per month.
  3. Auto-Owners: $452 per year, or about $38 per month.
  4. State Farm: $459 per year, or about $38 per month.
  5. Geico: $477 per year, or about $40 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. Auto-Owners: $1,986 per year, or about $165 per month.
  2. Country Financial: $2,052 per year, or about $171 per month.
  3. Travelers: $2,062 per year, or about $172 per month.
  4. State Farm: $2,201 per year, or about $183 per month.
  5. Cincinnati Insurance: $2,640 per year, or about $220 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. Travelers: $2,233 per year, or about $186 per month.
  2. Country Financial: $2,312 per year, or about $193 per month.
  3. Progressive: $2,335 per year, or about $195 per month.
  4. State Farm: $2,529 per year, or about $211 per month.
  5. Auto-Owners: $2,900 per year, or about $242 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Alabama for 70-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: $1,562 per year, or about $130 per month.
  2. Country Financial: $1,631 per year, or about $136 per month.
  3. State Farm: $1,730 per year, or about $144 per month.
  4. Auto-Owners: $1,746 per year, or about $146 per month.
  5. Geico: $1,785 per year, or about $149 per month.

Cheapest minimum coverage car insurance in Alabama for 70-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: $395 per year, or about $33 per month.
  2. Cincinnati Insurance: $399 per year, or about $33 per month.
  3. Auto-Owners: $402 per year, or about $33 per month.
  4. Allstate: $428 per year, or about $36 per month.
  5. State Farm: $429 per year, or about $36 per month.

Cheapest auto insurance in Alabama for 70-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. Country Financial: $2,391 per year, or about $199 per month.
  2. Geico: $2,400 per year, or about $200 per month.
  3. Travelers: $2,691 per year, or about $224 per month.
  4. Cincinnati Insurance: $2,874 per year, or about $239 per month.
  5. Nationwide: $3,299 per year, or about $275 per month.

Cheapest auto insurance in Alabama for 70-year-old drivers with one speeding ticket

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

  1. Allstate: $460 per year, or about $38 per month.
  2. Cincinnati Insurance: $471 per year, or about $39 per month.
  3. State Farm: $494 per year, or about $41 per month.
  4. Auto-Owners: $562 per year, or about $47 per month.
  5. Geico: $576 per year, or about $48 per month.

Cheapest auto insurance in Alabama for 70-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. Country Financial: $2,174 per year, or about $181 per month.
  2. Auto-Owners: $2,224 per year, or about $185 per month.
  3. State Farm: $2,310 per year, or about $193 per month.
  4. Travelers: $2,345 per year, or about $195 per month.
  5. Cincinnati Insurance: $3,073 per year, or about $256 per month.

Cheapest auto insurance in Alabama for 70-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. Country Financial: $2,422 per year, or about $202 per month.
  2. Travelers: $2,543 per year, or about $212 per month.
  3. State Farm: $2,641 per year, or about $220 per month.
  4. Progressive: $2,754 per year, or about $229 per month.
  5. Auto-Owners: $3,324 per year, or about $277 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 52 of the 70 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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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