How much is car insurance per month in Alabama?

The average cost of car insurance in Alabama is $171 per month for full coverage and $42 per month for minimum coverage. However, it’s important to note that these are just state averages. The quotes you actually receive can vary widely. Factors like your Alabama ZIP code, age and driving history all influence how your premium is calculated. Comparing personalized quotes from multiple providers is the most accurate way to ensure you’re getting a competitive rate.

What is the best car insurance in Alabama?

The best car insurance company in Alabama will depend on your situation. You may be looking for a company with exceptional service, while another driver may want low rates, a user-friendly app or a specific coverage type. Your specific needs, as well as your rating factors, will determine which company best suits your needs. Researching companies and shopping around might help you find the right fit.

What is the cheapest car insurance company in Alabama?

Travelers, Geico, Nationwide and Allstate have some of the cheapest car insurance in Alabama according to our research. However, just like the best car insurance, the cheapest car insurance will vary based on your personal rating factors. If you have a teen driver, for example, the cheapest company for you may be different from someone without the added risk.

Is uninsured motorist coverage required in Alabama?

No, uninsured motorist coverage is not required in Alabama. Insurers must offer you the coverage but you can decline in writing if you don’t want it. However, statistics from the Insurance Information Institute show that 14.2 percent of the state's drivers are estimated to be uninsured, meaning that it's not unlikely you could be involved in an accident with a driver who has no insurance, or not enough insurance to cover costs. Adding this optional coverage could provide additional financial protection if you are involved in an accident with someone without insurance.

Why did my Alabama car insurance rate go up this year?

Car insurance premiums are based on multiple factors, so there could be several reasons why your Alabama car insurance rate went up — even if you didn’t file any claims or receive any violations. For example, insurers may raise premiums if there have been a high number of crashes in the area in the past year or if the cost to repair cars has gone up. Inflation and severe weather can also lead to auto premium increases.

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Average cost of car insurance in Alabama in 2025

Written by

Drew Waterstreet

Edited by

Amelia Buckley

Updated Jul 01, 2025

Alabama drivers pay an annual average of $2,055 for full coverage and $501 for minimum coverage car insurance.

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Insurance disclosure

How much is car insurance in Alabama?

Drivers in Alabama pay an average of $2,055 annually for full coverage car insurance and $501 per year for state-mandated minimum coverage. These rates are competitive compared to the national averages of $807 for minimum coverage and $2,677 for full coverage. However, your own rates will differ from these averages based on your personal driving profile, which includes your claim history, vehicle type, age and ZIP code.

Bankrate is committed to providing accurate and comprehensive insights to our readers with industry expertise and meticulous data analysis. To determine these insurance averages for Alabama, we examined data provided by Quadrant Information Services. We compiled this driver profile-specific rate data to help you estimate what you might pay for coverage in Alabama.

Key takeaways

In Alabama, the monthly average cost of car insurance is $42 for minimum coverage and $171 for full coverage.
In Alabama, drivers with a single at-fault accident pay 48 percent more than the average cost of full coverage car insurance.
Drivers with poor credit scores in Alabama pay 83 percent more on average for car insurance compared to drivers with good credit scores.

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Alabama car insurance rates by city

Each specific area of a state presents a unique risk profile, which means car insurance rates vary by city. For example, if you live in a traffic-dense city and park your car on the street, your car insurance premium may be more expensive than someone who lives in a more rural area and parks in a garage. Here are the average rates in some of Alabama's largest cities plus how they stack up against the state average.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Phenix City	$2,262	+10%
Seale	$2,399	+15%
Butler	$2,236	+8%
Silas	$2,172	+6%
Bellamy	$2,180	+6%
Gilbertown	$2,180	+6%
Dothan	$1,913	-7%
Enterprise	$1,879	-9%
Hartford	$1,880	-9%
Valley	$2,115	+3%
Melvin	$2,163	+5%
Ward	$2,223	+8%
York	$2,226	+8%
Mobile	$2,190	+6%
Camden	$2,310	+12%
Forkland	$2,258	+9%
Pine Apple	$2,300	+11%
Thomaston	$2,275	+10%
Thomasville	$2,213	+7%
Stanton	$2,125	+3%
Opelika	$2,031	-1%
Cottonton	$2,231	+8%
Lafayette	$2,093	+2%
Montgomery	$2,161	+5%
Anniston	$1,989	-3%
Cragford	$1,992	-3%
Daviston	$2,038	-1%
Fruithurst	$2,012	-2%
Ariton	$1,911	-7%
Bellwood	$1,886	-9%
Clopton	$1,939	-6%
Flomaton	$2,057	+0%
Lisman	$2,222	+8%
Pennington	$2,209	+7%
Faunsdale	$2,237	+8%
Lowndesboro	$2,160	+5%
Marion	$2,266	+10%
Lanett	$2,103	+2%
Catherine	$2,294	+11%
Mc Williams	$2,228	+8%
Oak Hill	$2,230	+8%
Auburn	$1,992	-3%
Five Points	$2,115	+3%
Hurtsboro	$2,247	+9%
Delta	$2,014	-2%
Roanoke	$2,046	-0%
Black	$1,893	-8%
Newville	$1,930	-6%
Skipperville	$1,914	-7%
Beatrice	$2,152	+5%
Eight Mile	$2,204	+7%
Furman	$2,305	+11%
Gallion	$2,273	+10%
Greensboro	$2,236	+8%
Jefferson	$2,221	+8%
Plantersville	$2,205	+7%
Demopolis	$2,231	+8%
Linden	$2,272	+10%
Birmingham	$2,158	+5%
Loachapoka	$2,083	+1%
Arlington	$2,301	+11%
Boykin	$2,221	+8%
Sawyerville	$2,203	+7%
Auburn University	$1,992	-3%
Jacksons Gap	$2,007	-2%
Gordo	$2,192	+6%
Lower Peach Tree	$2,290	+11%
Magnolia	$2,234	+8%
Sardis	$2,275	+10%
Sweet Water	$2,225	+8%
Dadeville	$2,023	-2%
Holy Trinity	$2,320	+12%
Notasulga	$2,051	-0%
Arley	$2,221	+8%
Bankston	$2,165	+5%
Delmar	$2,184	+6%
Anderson	$1,940	-6%
Russellville	$1,974	-4%
Selma	$2,287	+11%
Campbell	$2,182	+6%
Dixons Mills	$2,255	+9%
Morvin	$2,363	+14%
Lawley	$2,168	+5%
Fort Mitchell	$2,297	+11%
Annemanie	$2,338	+13%
Jones	$2,090	+2%
Newbern	$2,250	+9%
Pine Hill	$2,319	+12%
Uniontown	$2,336	+13%
Cusseta	$2,113	+3%
Ozark	$1,868	-10%
Slocomb	$1,907	-7%
Goodway	$2,208	+7%
Alberta	$2,321	+12%
Maplesville	$2,112	+3%
Minter	$2,294	+11%
Hatchechubbee	$2,221	+8%
Alexandria	$1,996	-3%
Weaver	$1,985	-3%
Abbeville	$1,936	-6%
Pittsview	$2,301	+11%
Knoxville	$2,190	+6%
Northport	$2,053	-0%
Tuscaloosa	$2,052	-0%
Oakman	$2,268	+10%
Vina	$1,997	-3%
Athens	$1,949	-5%
Muscle Shoals	$1,896	-8%
Baileyton	$1,973	-4%
Steele	$1,979	-4%
Eclectic	$2,037	-1%
Equality	$2,014	-2%
Boligee	$2,286	+11%
Buhl	$2,062	+0%
Ethelsville	$2,162	+5%
Columbiana	$1,976	-4%
Crane Hill	$2,113	+3%
Docena	$2,182	+6%
Empire	$2,217	+8%
Holly Pond	$2,028	-1%
Morris	$2,105	+2%
Vandiver	$1,994	-3%
Wattsville	$2,113	+3%
Salem	$2,136	+4%
Waverly	$2,024	-2%
Heflin	$2,013	-2%
Muscadine	$2,012	-2%
Woodland	$2,017	-2%
Fort Rucker	$1,881	-9%
Pansey	$1,920	-7%
Florala	$1,940	-6%
Alabaster	$1,973	-4%
Alton	$2,202	+7%
Bessemer	$2,162	+5%
Centreville	$2,165	+5%
Cleveland	$2,097	+2%
Gardendale	$2,104	+2%
Harpersville	$2,029	-1%
Palmerdale	$2,149	+4%
Shannon	$2,045	-0%
Springville	$1,987	-3%
Marion Junction	$2,297	+11%
Myrtlewood	$2,211	+7%
Nanafalia	$2,199	+7%
Safford	$2,230	+8%
Camp Hill	$2,039	-1%
Geneva	$1,884	-9%
Andalusia	$1,978	-4%
Castleberry	$2,091	+2%
Excel	$2,124	+3%
Graham	$2,017	-2%
Pinckard	$1,911	-7%
Brewton	$2,053	-0%
Monroeville	$2,099	+2%
Daphne	$1,904	-8%
Orrville	$2,272	+10%
Tyler	$2,261	+10%
Randolph	$2,161	+5%
Elba	$1,917	-7%
Coy	$2,306	+12%
Oxford	$1,993	-3%
Bynum	$2,007	-2%
Eastaboga	$1,998	-3%
Jacksonville	$1,985	-3%
Piedmont	$2,052	-0%
Ranburne	$2,006	-2%
Coffee Springs	$1,883	-9%
Jack	$1,927	-6%
Nauvoo	$2,236	+8%
Cloverdale	$1,916	-7%
Danville	$1,907	-7%
Florence	$1,876	-9%
Millerville	$2,003	-3%
Red Level	$2,016	-2%
Bayou La Batre	$2,246	+9%
Saint Elmo	$2,303	+11%
Gadsden	$2,012	-2%
Fort Payne	$1,896	-8%
Fyffe	$1,886	-9%
Ider	$1,908	-7%
Cottonwood	$1,899	-8%
Cowarts	$1,918	-7%
Headland	$1,903	-8%
Newton	$1,905	-8%
Webb	$1,904	-8%
Dickinson	$2,208	+7%
Daleville	$1,889	-8%
Midland City	$1,910	-7%
Talladega	$1,999	-3%
Trafford	$2,121	+3%
Vincent	$2,006	-2%
Munford	$2,002	-3%
Wedowee	$2,009	-2%
Wellington	$1,995	-3%
Lineville	$1,991	-3%
Wadley	$2,033	-1%
Chancellor	$1,874	-9%
Gordon	$1,938	-6%
New Brockton	$1,914	-7%
Shorterville	$1,939	-6%
Evergreen	$2,101	+2%
Calera	$1,957	-5%
Cullman	$2,020	-2%
Fairfield	$2,312	+12%
Garden City	$2,098	+2%
Helena	$1,984	-4%
Kimberly	$2,071	+1%
Remlap	$2,101	+2%
Westover	$2,077	+1%
Estillfork	$2,046	-0%
Grant	$1,918	-7%
Pisgah	$2,045	-0%
Huntsville	$1,953	-5%
Dawson	$1,917	-7%
Flat Rock	$2,055	+0%
Trinity	$1,913	-7%
Woodville	$2,048	-0%
Albertville	$1,912	-7%
Ashville	$2,009	-2%
Guntersville	$1,906	-8%
Higdon	$2,047	-0%
Childersburg	$2,037	-1%
Hanceville	$2,051	-0%
Joppa	$1,975	-4%
Lincoln	$1,965	-4%
Logan	$2,048	-0%
Maylene	$1,976	-4%
Odenville	$1,985	-3%
Rockford	$2,042	-1%
Fackler	$2,043	-1%
Madison	$1,919	-7%
Paint Rock	$2,087	+2%
Henagar	$1,889	-8%
De Armanville	$2,001	-3%
Peterson	$2,080	+1%
Jasper	$2,230	+8%
Guin	$2,103	+2%
Millport	$2,121	+3%
Belle Mina	$1,957	-5%
Cherokee	$1,920	-7%
Eva	$1,914	-7%
Falkville	$1,926	-6%
Lester	$1,953	-5%
Bremen	$2,068	+1%
Brierfield	$2,175	+6%
Mount Olive	$2,102	+2%
Mulga	$2,194	+7%
Oneonta	$2,073	+1%
Pinson	$2,135	+4%
Adger	$2,077	+1%
Alpine	$2,017	-2%
Kellerman	$2,140	+4%
Mc Shan	$2,145	+4%
Vance	$2,075	+1%
Natural Bridge	$2,152	+5%
Decatur	$1,938	-6%
Sheffield	$1,896	-8%
Graysville	$2,139	+4%
Ragland	$1,991	-3%
Saginaw	$2,025	-1%
Sterrett	$2,003	-3%
Sylacauga	$2,027	-1%
Thorsby	$2,092	+2%
Union Grove	$1,913	-7%
Watson	$2,091	+2%
Wilton	$2,067	+1%
Honoraville	$2,070	+1%
Luverne	$2,064	+0%
Union Springs	$2,234	+8%
Leesburg	$1,986	-3%
Grady	$2,068	+1%
Louisville	$2,030	-1%
Mathews	$2,079	+1%
Troy	$2,031	-1%
Wetumpka	$2,065	+0%
Ashford	$1,910	-7%
Columbia	$1,925	-7%
Grove Hill	$2,199	+7%
Opp	$1,916	-7%
Uriah	$2,121	+3%
Atmore	$2,044	-1%
Bay Minette	$1,895	-8%
Chunchula	$2,174	+6%
Spanish Fort	$1,904	-8%
Ardmore	$1,985	-3%
Capshaw	$1,954	-5%
Hazel Green	$1,986	-3%
Meridianville	$1,974	-4%
Normal	$1,971	-4%
Scottsboro	$2,034	-1%
Rainbow City	$2,046	-0%
Cedar Bluff	$1,970	-4%
Centre	$1,976	-4%
Kinston	$1,910	-7%
Mc Kenzie	$2,102	+2%
River Falls	$1,976	-4%
Chatom	$2,226	+8%
Gainestown	$2,196	+7%
Huxford	$2,089	+2%
Little River	$1,907	-7%
Wilmer	$2,205	+7%
Gurley	$1,994	-3%
Langston	$2,016	-2%
Valhermoso Springs	$1,925	-7%
Attalla	$1,987	-3%
Repton	$2,104	+2%
Bon Secour	$1,955	-5%
Bucks	$2,172	+6%
Satsuma	$2,107	+3%
Ashland	$1,996	-3%
Quinton	$2,210	+7%
Siluria	$1,981	-4%
Perdue Hill	$2,091	+2%
Axis	$2,115	+3%
Calvert	$2,216	+8%
Grand Bay	$2,241	+9%
Lillian	$1,953	-5%
Montrose	$1,937	-6%
Mount Vernon	$2,157	+5%
Silverhill	$1,903	-8%
Summerdale	$1,898	-8%
Theodore	$2,267	+10%
Tibbie	$2,215	+7%
Vinegar Bend	$2,224	+8%
Wagarville	$2,232	+8%
Carbon Hill	$2,167	+5%
Eldridge	$2,196	+7%
Phil Campbell	$2,004	-3%
Elkmont	$1,956	-5%
Moulton	$1,947	-5%
Beaverton	$2,099	+2%
Goodsprings	$2,263	+10%
Haleyville	$2,140	+4%
Houston	$2,100	+2%
Red Bay	$1,994	-3%
Panola	$2,183	+6%
Addison	$2,184	+6%
Belk	$2,168	+5%
Cordova	$2,298	+11%
Double Springs	$2,167	+5%
Glen Allen	$2,152	+5%
Lynn	$2,131	+4%
Sulligent	$2,127	+3%
Courtland	$1,942	-6%
Hillsboro	$1,931	-6%
Killen	$1,891	-8%
Moundville	$2,209	+7%
Ralph	$2,062	+0%
Bear Creek	$2,131	+4%
Detroit	$2,110	+3%
Hamilton	$2,127	+3%
Vernon	$2,130	+4%
Hartselle	$1,905	-8%
Lexington	$1,887	-9%
Ohatchee	$2,023	-2%
Spring Garden	$2,016	-2%
Livingston	$2,214	+7%
West Greene	$2,230	+8%
Hackleburg	$2,145	+4%
Kennedy	$2,134	+4%
Parrish	$2,297	+11%
Winfield	$2,122	+3%
Leighton	$1,887	-9%
Rogersville	$1,914	-7%
Autaugaville	$2,061	+0%
Clayton	$2,032	-1%
Prattville	$2,071	+1%
Samson	$1,893	-8%
Vredenburgh	$2,149	+4%
Carlton	$2,341	+13%
Creola	$2,127	+3%
Dauphin Island	$2,176	+6%
Fairhope	$1,890	-8%
Irvington	$2,260	+10%
Jackson	$2,201	+7%
Magnolia Springs	$1,916	-7%
Adamsville	$2,148	+4%
Alexander City	$2,045	-0%
Elmore	$2,074	+1%
Goshen	$2,002	-3%
Hardaway	$2,179	+6%
Highland Home	$2,081	+1%
Rutledge	$2,058	+0%
Titus	$2,050	-0%
Aliceville	$2,194	+7%
Reform	$2,178	+6%
Berry	$2,203	+7%
Brilliant	$2,108	+3%
Fayette	$2,151	+5%
Hodges	$2,006	-2%
Sipsey	$2,266	+10%
Spruce Pine	$2,000	-3%
Forest Home	$2,116	+3%
Hayneville	$2,180	+6%
Letohatchee	$2,144	+4%
Shorter	$2,124	+3%
Tuskegee	$2,139	+4%
Tanner	$1,907	-7%
Town Creek	$1,943	-6%
Hollytree	$2,091	+2%
Stevenson	$2,039	-1%
Gallant	$1,953	-5%
Gaylesville	$1,972	-4%
Brookwood	$2,079	+1%
Coker	$2,075	+1%
Fosters	$2,078	+1%
Cottondale	$2,084	+1%
Peterman	$2,154	+5%
Wing	$1,941	-6%
Leroy	$2,222	+8%
Robertsdale	$1,904	-8%
Saraland	$2,198	+7%
Seminole	$1,918	-7%
Samantha	$2,113	+3%
Mooresville	$1,911	-7%
Smiths Station	$2,166	+5%
Cuba	$2,240	+9%
Needham	$2,197	+7%
Blountsville	$2,068	+1%
Locust Fork	$2,142	+4%
Montevallo	$1,945	-6%
Pelham	$1,991	-3%
Pell City	$1,981	-4%
Shelby	$1,965	-4%
Sumiton	$2,257	+9%
Woodstock	$2,199	+7%
Allgood	$2,151	+5%
Megargel	$2,100	+2%
Mexia	$2,111	+3%
Coden	$2,262	+10%
Chelsea	$2,044	-1%
Cropwell	$1,976	-4%
West Blocton	$2,202	+7%
Jachin	$2,177	+6%
Toxey	$2,198	+7%
Lenox	$2,108	+3%
Deer Park	$2,221	+8%
Foley	$1,886	-9%
Frankville	$2,216	+8%
Perdido	$1,901	-8%
Semmes	$2,189	+6%
Stockton	$1,942	-6%
Brooklyn	$2,126	+3%
Franklin	$2,121	+3%
Frisco City	$2,105	+2%
Lockhart	$1,975	-4%
Whatley	$2,211	+7%
Citronelle	$2,185	+6%
Coffeeville	$2,224	+8%
Gulf Shores	$1,979	-4%
Mc Intosh	$2,262	+10%
Orange Beach	$1,967	-4%
Saint Stephens	$2,231	+8%
Sunflower	$2,201	+7%
Tuscumbia	$1,900	-8%
Waterloo	$1,924	-7%
Brownsboro	$1,954	-5%
Owens Cross Roads	$1,983	-4%
Ryland	$2,011	-2%
Bryant	$2,042	-1%
Hayden	$2,094	+2%
Jemison	$2,100	+2%
Kellyton	$1,994	-3%
Mc Calla	$2,049	-0%
Sayre	$2,143	+4%
Clanton	$2,056	+0%
Clay	$2,114	+3%
Dolomite	$2,218	+8%
Dora	$2,118	+3%
Green Pond	$2,150	+5%
Leeds	$2,118	+3%
New Castle	$2,108	+3%
Pleasant Grove	$2,154	+5%
Riverside	$2,000	-3%
Sycamore	$2,038	-1%
Cardiff	$2,115	+3%
Cook Springs	$2,054	-0%
Fultondale	$2,160	+5%
Elberta	$1,928	-6%
Millry	$2,231	+8%
Stapleton	$1,881	-9%
Bon Air	$2,049	-0%
Brent	$2,197	+7%
Trussville	$2,134	+4%
Vinemont	$1,981	-4%
Weogufka	$2,089	+2%
Midway	$2,218	+8%
Ramer	$2,123	+3%
Tallassee	$2,056	+0%
Townley	$2,206	+7%
Mount Hope	$1,953	-5%
Akron	$2,224	+8%
Echola	$2,048	-0%
Booth	$2,088	+2%
Deatsville	$2,060	+0%
Dozier	$2,001	-3%
Perote	$2,244	+9%
Tuskegee Institute	$2,142	+4%
Verbena	$2,056	+0%
Burnwell	$2,257	+9%
Goodwater	$2,062	+0%
Hollins	$2,016	-2%
Warrior	$2,140	+4%
Wilsonville	$1,993	-3%
Trenton	$2,052	-0%
Boaz	$1,939	-6%
Crossville	$1,907	-7%
Geraldine	$1,905	-8%
Horton	$1,932	-6%
Somerville	$1,945	-6%
New Market	$1,975	-4%
Section	$2,024	-2%
Groveoak	$1,906	-8%
Georgiana	$2,101	+2%
Lapine	$2,105	+2%
Pike Road	$2,126	+3%
Rainsville	$1,898	-8%
Sylvania	$1,891	-8%
Billingsley	$2,066	+1%
Brundidge	$1,983	-4%
Coosada	$2,102	+2%
Hope Hull	$2,119	+3%
Marbury	$2,036	-1%
Clio	$2,014	-2%
Fitzpatrick	$2,205	+7%
Fort Deposit	$2,155	+5%
Gantt	$1,958	-5%
Valley Head	$1,895	-8%
Chapman	$2,093	+2%
Moody	$2,007	-2%
Arab	$1,904	-8%
Bridgeport	$2,029	-1%
New Hope	$1,968	-4%
Toney	$2,021	-2%
Altoona	$1,947	-5%
Abernant	$2,129	+4%
Carrollton	$2,220	+8%
Emelle	$2,209	+7%
Eutaw	$2,270	+10%
Clinton	$2,224	+8%
Duncanville	$2,103	+2%
Elrod	$2,046	-0%
Epes	$2,196	+7%
Gainesville	$2,217	+8%
Mentone	$1,899	-8%
Brantley	$2,042	-1%
Cecil	$2,137	+4%
Glenwood	$2,031	-1%
Dutton	$2,060	+0%
Harvest	$1,987	-3%
Hollywood	$2,058	+0%
Laceys Spring	$1,951	-5%
Princeton	$2,064	+0%
Collinsville	$1,890	-8%
Range	$2,077	+1%
Fruitdale	$2,229	+8%
Loxley	$1,897	-8%
Malcolm	$2,215	+8%
Banks	$2,063	+0%
East Tallassee	$2,073	+1%
Eufaula	$2,084	+1%
Greenville	$2,096	+2%
Kent	$2,103	+2%
Millbrook	$2,068	+1%
Petrey	$2,070	+1%

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Average car insurance costs by age and gender in Alabama

A driver’s age is a major determinant when it comes to auto insurance premiums in most states, including Alabama. Young drivers have higher accident rates and less experience behind the wheel, so they tend to pay more for coverage. Fortunately, average rates tend to come down after age 25, provided you maintain a clean driving record. Men also tend to pay more for car insurance than women as they are statistically more likely to engage in risky and distracted driving.

Age 40

Average annual full coverage premium in AL

$2,081

Average minimum coverage premium in AL

$500

Age 50

Average annual full coverage premium in AL

$1,936

Average minimum coverage premium in AL

$477

Age 60

Average annual full coverage premium in AL

$1,885

Average minimum coverage premium in AL

$479

Age 70

Average annual full coverage premium in AL

$2,065

Average minimum coverage premium in AL

$553


Age 16*	Average annual full coverage premium in AL $4,666	Average minimum coverage premium in AL $1,356
Age 18	Average annual full coverage premium in AL $6,531	Average minimum coverage premium in AL $1,768
Age 20	Average annual full coverage premium in AL $4,296	Average minimum coverage premium in AL $1,099
Age 25	Average annual full coverage premium in AL $2,635	Average minimum coverage premium in AL $648
Age 30	Average annual full coverage premium in AL $2,254	Average minimum coverage premium in AL $536
Age 40	Average annual full coverage premium in AL $2,081	Average minimum coverage premium in AL $500
Age 50	Average annual full coverage premium in AL $1,936	Average minimum coverage premium in AL $477
Age 60	Average annual full coverage premium in AL $1,885	Average minimum coverage premium in AL $479
Age 70	Average annual full coverage premium in AL $2,065	Average minimum coverage premium in AL $553

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in AL

$2,028

Average minimum coverage premium in AL

$501

Age 50

Average annual full coverage premium in AL

$1,901

Average minimum coverage premium in AL

$476

Age 60

Average annual full coverage premium in AL

$1,821

Average minimum coverage premium in AL

$466

Age 70

Average annual full coverage premium in AL

$1,981

Average minimum coverage premium in AL

$541


Age 16*	Average annual full coverage premium in AL $4,265	Average minimum coverage premium in AL $1,282
Age 18	Average annual full coverage premium in AL $5,838	Average minimum coverage premium in AL $1,639
Age 20	Average annual full coverage premium in AL $3,855	Average minimum coverage premium in AL $1,031
Age 25	Average annual full coverage premium in AL $2,487	Average minimum coverage premium in AL $635
Age 30	Average annual full coverage premium in AL $2,182	Average minimum coverage premium in AL $530
Age 40	Average annual full coverage premium in AL $2,028	Average minimum coverage premium in AL $501
Age 50	Average annual full coverage premium in AL $1,901	Average minimum coverage premium in AL $476
Age 60	Average annual full coverage premium in AL $1,821	Average minimum coverage premium in AL $466
Age 70	Average annual full coverage premium in AL $1,981	Average minimum coverage premium in AL $541

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: In most states, including Alabama, insurers can consider a driver's age and gender when determining their premium. Demographic groups that are statistically more likely to be involved in accidents will generally pay more than groups that have a low incident of filing claims. This is why young drivers, who have less experience behind the wheel and may be more likely to engage in risky behaviors like texting while driving, are likely to pay higher rates for their coverage. This is also why men tend to pay slightly higher rates than women — male drivers statistically are involved in more accidents than females.

Cost considerations for young drivers in Alabama

In most circumstances, teen drivers must be insured under their parents’ or guardians’ policy until they turn 18. Even though legal adults can purchase their own car insurance policies, it’s generally cheaper for young adults to stay on their parents’ or guardians’ policy as long as the carrier’s terms and conditions allow it.


Age 16*	Avg. annual premium for drivers in AL $4,466
Age 17	Avg. annual premium for drivers in AL $4,080
Age 18	Avg. annual premium for drivers in AL $3,668
Age 19	Avg. annual premium for drivers in AL $3,150
Age 20	Avg. annual premium for drivers in AL $2,951

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in AL $6,185
Age 19	Avg. annual premium for drivers in AL $4,519
Age 20	Avg. annual premium for drivers in AL $4,075

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	69 percent more
Age 19	43 percent more
Age 20	38 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Alabama?

As you might expect, a moving vehicle violation, such as a speeding ticket or accident, typically leads to an increase in your Alabama car insurance rate. A DUI conviction is likely to increase your premium significantly. Some carriers may refuse to extend coverage to high-risk drivers, such as those with multiple accidents or a DUI on their record.

This table compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates.


Clean driving record	Avg. annual premium* in AL $2,055	Percentage increase from AL avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in AL $2,506	Percentage increase from AL avg. annual premium* 22%
At-fault accident	Avg. annual premium* in AL $3,031	Percentage increase from AL avg. annual premium* 48%
DUI conviction	Avg. annual premium* in AL $3,612	Percentage increase from AL avg. annual premium* 76%

*The rates reflected are for full coverage policies.

Car insurance rates in Alabama by credit score

Your insurance score, which is based on your credit rating, also influences your car insurance premium in Alabama. Rates by credit score tend to vary a lot in states where insurers are allowed to use it as a rating factor because, statistically speaking, drivers with lower credit ratings are more likely to file claims. In Alabama, drivers with poor credit pay 111 percent more for their average annual premium than those with excellent credit.


Poor	Avg. annual premium* in AL $3,759	Percentage change from AL average annual premium* 83%
Average	Avg. annual premium* in AL $2,220	Percentage change from AL average annual premium* 8%
Good	Avg. annual premium* in AL $2,055	Percentage change from AL average annual premium* 0%
Excellent	Avg. annual premium* in AL $1,780	Percentage change from AL average annual premium* -13%

*Rates reflect full coverage policies.

Alabama car insurance rates by vehicle type

The make and model of your vehicle is one of the biggest drivers of your car insurance premium. Different vehicles have different prices to repair, different accident statistics and different safety features. Higher-end vehicles, like luxury cars and sports cars, are typically more expensive to insure, as are vehicles with high theft rates and poor safety features. If you're considering a new vehicle in Alabama, you may want to compare sample quotes for each model you're considering.


Toyota Camry	Avg. annual premium* in AL $2,055
Ford F-150	Avg. annual premium* in AL $2,079
Honda Odyssey	Avg. annual premium* in AL $1,895
BMW 330i	Avg. annual premium* in AL $2,631
Toyota Prius	Avg. annual premium* in AL $2,149

*Rates reflect full coverage policies.

Estimate your car insurance cost in Alabama

Navigating the complexities of car insurance costs in Alabama can be challenging. To simplify this process, Bankrate has developed an easy-to-use calculator widget. By inputting some basic information about your driving profile, you can receive an estimated average monthly premium specific to your circumstances.

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How to save on car insurance in Alabama

There are several ways to save on car insurance in Alabama, some of which require little to no time or effort to access the savings.

Gather multiple quotes: Car insurance is highly personalized, so shopping around is the most effective way to find the cheapest rate for your circumstances. Many companies will give you an online quote in a few minutes, which makes it easy to compare pricing from multiple insurers. If not, you can always call a licensed agent for a personalized quote.
Make use of discounts: Almost every insurance company offers at least a few discounts, and many of them are easy to earn. You may be able to score some savings just by agreeing to receive your documents online rather than via postal mail, for example. Telematics programs are also a popular way for policyholders to save considerably with some insurers if they are safe and careful drivers.
Take advantage of bundling: Bundling your policies, or buying more than one policy from the same carrier, is a common way to earn a discount — and it’s often the most impactful. Usually, this involves purchasing both an auto and home policy from your insurer, but some insurers will also offer discounts bundling for boat, RV or other types of insurance.
Increase your deductible: Your deductible is the amount you pay before your insurance kicks in after an approved claim. It applies to some types of coverage, such as collision and comprehensive. Increasing your deductible is likely to reduce your premium, but keep in mind that you would need to have that amount available if you file a claim against your policy.
Improve your credit: Insurers tend to offer the best rates to those with excellent credit history, since you are considered a lower claim risk than those with poor credit. It may take a while to improve your credit, but it could be effective as a long-term savings strategy in Alabama.

Frequently asked questions

The average cost of car insurance in Alabama is $171 per month for full coverage and $42 per month for minimum coverage. However, it’s important to note that these are just state averages. The quotes you actually receive can vary widely. Factors like your Alabama ZIP code, age and driving history all influence how your premium is calculated. Comparing personalized quotes from multiple providers is the most accurate way to ensure you’re getting a competitive rate.
The best car insurance company in Alabama will depend on your situation. You may be looking for a company with exceptional service, while another driver may want low rates, a user-friendly app or a specific coverage type. Your specific needs, as well as your rating factors, will determine which company best suits your needs. Researching companies and shopping around might help you find the right fit.
Travelers, Geico, Nationwide and Allstate have some of the cheapest car insurance in Alabama according to our research. However, just like the best car insurance, the cheapest car insurance will vary based on your personal rating factors. If you have a teen driver, for example, the cheapest company for you may be different from someone without the added risk.
No, uninsured motorist coverage is not required in Alabama. Insurers must offer you the coverage but you can decline in writing if you don’t want it. However, statistics from the Insurance Information Institute show that 14.2 percent of the state's drivers are estimated to be uninsured, meaning that it's not unlikely you could be involved in an accident with a driver who has no insurance, or not enough insurance to cover costs. Adding this optional coverage could provide additional financial protection if you are involved in an accident with someone without insurance.
Car insurance premiums are based on multiple factors, so there could be several reasons why your Alabama car insurance rate went up — even if you didn’t file any claims or receive any violations. For example, insurers may raise premiums if there have been a high number of crashes in the area in the past year or if the cost to repair cars has gone up. Inflation and severe weather can also lead to auto premium increases.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Drew Waterstreet

Average cost of car insurance in Alabama in 2025

How much is car insurance in Alabama?

Key takeaways

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Alabama car insurance rates by city

Compare auto insurance rates

Average car insurance costs by age and gender in Alabama

Cost considerations for young drivers in Alabama

How does driving record impact the cost of car insurance in Alabama?

Car insurance rates in Alabama by credit score

Alabama car insurance rates by vehicle type

Estimate your car insurance cost in Alabama

Calculate your monthly car insurance payment

How to save on car insurance in Alabama

Frequently asked questions

How much is car insurance per month in Alabama?

What is the best car insurance in Alabama?

What is the cheapest car insurance company in Alabama?

Is uninsured motorist coverage required in Alabama?

Why did my Alabama car insurance rate go up this year?

Key terms in this article

Methodology

Rates

Other profiles

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Incidents:

Mileage:

Model:

Age:

Gender:

Status: