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Best car insurance in Alabama for 2024

Updated Jul 01, 2024
Geico, Progressive, State Farm, USAA and Farmers are the top five auto insurers in Alabama.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance companies in Alabama

According to our research, on average, Alabama auto insurance costs $1,965 per year for full coverage and $477 per year for minimum coverage. These rates are quite a bit lower than the national average premiums, which are $2,278 and $621, respectively.

However, through our experience as licensed agents and consumers, we know that drivers who want the best car insurance companies in Alabama aren’t just looking for the cheapest rates. For these shoppers, we also considered third-party customer satisfaction scores issued in the J.D. Power 2023 U.S. Auto Insurance Study, along with other factors like digital tools and coverage options. Based on this information and more — all compiled into our Bankrate Scores out of 5 possible points — along with premium data provided by Quadrant Information Services, you might find the best auto insurance in Alabama by shopping with Geico, USAA, Progressive, State Farm and Farmers.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,591
$312
4.4
Rating: 4.4 stars out of 5
$1,970
$535
4.3
Rating: 4.3 stars out of 5
$1,848
$432
4.2
Rating: 4.2 stars out of 5
$1,765
$393
3.8
Rating: 3.8 stars out of 5
$2,864
$968

Geico

Best for discount opportunities

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$133/mo

Avg. full coverage premium

$1,591/yr

Customer satisfaction

828/1,000

Progressive

Best for streamlined shopping

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$164/mo

Avg. full coverage premium

$1,970/yr

Customer satisfaction

836/1,000

State Farm

Best for local agencies

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$154/mo

Avg. full coverage premium

$1,848/yr

Customer satisfaction

847/1,000

USAA

Best for military-focused coverage

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$147/mo

Avg. full coverage premium

$1,765/yr

Customer satisfaction

876/1,000

Farmers

Best for customizable coverage

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$239/mo

Avg. full coverage premium

$2,864/yr

Customer satisfaction

807/1,000

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How Bankrate chose the best car insurance companies in Alabama

To find the best car insurance in Alabama, Bankrate analyzed each company’s average annual premiums in Alabama using the latest premium data from Quadrant Information Services. Since most drivers care about more than just how much they pay for their premium, we also analyzed third-party financial strength ratings, customer satisfaction rankings, available discounts and more to create an individualized Bankrate Score. Each Score is calculated on a 5.0 scale. Our Bankrate Score presents a holistic view of each company’s performance across these important measures.

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Why you can trust Bankrate

Read our full methodology

To help Alabama drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Compare auto insurance rates

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Alabama

The best car insurance in Alabama will depend on your individual needs. However, the following steps may allow you to find the best provider to help financially protect you and your family.

Related content:

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Answer a few questions to see personalized rates from top carriers in Alabama

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Alabama?

Based on average premium data sourced by analytics company Quadrant Information Services, Alabama car insurance averages $1,965 per year for a full coverage policy and $477 for minimum coverage. Although these rates are lower than the national average, Alabama is in the middle of the pack when compared to nearby states.

For instance, Alabama’s average full coverage premium is much lower than Florida’s (an eye-popping $3,430 per year). On the other hand, Tennessee’s average full coverage premium ($1,890 per year) is much cheaper than Alabama’s. These averages make sense when considering one of the most significant risk factors in the Southeast — hurricanes. Hurricanes impact both Alabama and Florida, but Florida is at much higher risk for severe damage. Tennessee does get its share of severe weather, but hurricanes are not much of a threat due to its more northern and inland location.

Estimate your car insurance cost in Alabama

Finding the best car insurance in Alabama can be challenging, so Bankrate created this estimator tool to help give you a benchmark figure to start your search. By inputting a few key facts below you will receive an estimate for what you are likely to pay for your car insurance.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in July 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed