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Average cost of car insurance in Alabama in 2024
Powered by Coverage.com (NPN: 19966249)
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?
Drivers in Alabama pay an average of $2,116 annually for full coverage car insurance and $514 per year for state-mandated minimum coverage. These rates are competitive compared to the national averages of $637 for minimum coverage and $2,299 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 $43 for minimum coverage and $176 for full coverage.
- In Alabama, drivers with a single at-fault accident pay 45 percent more than the average cost of full coverage car insurance.
- Drivers with poor credit scores in Alabama pay 82 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.
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| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Phenix City | $2,208 | +4% |
| Seale | $2,236 | +5% |
| Butler | $2,128 | +1% |
| Silas | $2,080 | -2% |
| Bellamy | $2,081 | -2% |
| Gilbertown | $2,090 | -1% |
| Dothan | $1,841 | -14% |
| Enterprise | $1,792 | -17% |
| Hartford | $1,795 | -16% |
| Valley | $2,044 | -3% |
| Melvin | $2,072 | -2% |
| Ward | $2,129 | +1% |
| York | $2,111 | -0% |
| Mobile | $2,139 | +1% |
| Camden | $2,208 | +4% |
| Forkland | $2,155 | +2% |
| Pine Apple | $2,199 | +4% |
| Thomaston | $2,191 | +3% |
| Thomasville | $2,122 | +0% |
| Stanton | $2,055 | -3% |
| Opelika | $1,967 | -7% |
| Cottonton | $2,162 | +2% |
| Lafayette | $2,022 | -5% |
| Montgomery | $2,057 | -3% |
| Anniston | $1,924 | -10% |
| Cragford | $1,935 | -9% |
| Daviston | $1,965 | -7% |
| Fruithurst | $1,957 | -8% |
| Ariton | $1,825 | -15% |
| Bellwood | $1,809 | -16% |
| Clopton | $1,852 | -13% |
| Flomaton | $1,967 | -7% |
| Lisman | $2,114 | -0% |
| Pennington | $2,107 | -0% |
| Faunsdale | $2,154 | +2% |
| Lowndesboro | $2,082 | -2% |
| Marion | $2,172 | +3% |
| Lanett | $2,030 | -4% |
| Catherine | $2,198 | +4% |
| Mc Williams | $2,140 | +1% |
| Oak Hill | $2,141 | +1% |
| Auburn | $1,918 | -10% |
| Five Points | $2,041 | -4% |
| Hurtsboro | $2,173 | +3% |
| Delta | $1,957 | -8% |
| Roanoke | $1,982 | -7% |
| Black | $1,811 | -16% |
| Newville | $1,854 | -13% |
| Skipperville | $1,826 | -15% |
| Beatrice | $2,050 | -3% |
| Eight Mile | $2,152 | +2% |
| Furman | $2,204 | +4% |
| Gallion | $2,173 | +3% |
| Greensboro | $2,149 | +2% |
| Jefferson | $2,136 | +1% |
| Plantersville | $2,148 | +2% |
| Demopolis | $2,129 | +1% |
| Linden | $2,175 | +3% |
| Birmingham | $2,091 | -1% |
| Loachapoka | $2,010 | -5% |
| Arlington | $2,208 | +4% |
| Boykin | $2,141 | +1% |
| Sawyerville | $2,113 | -0% |
| Auburn University | $1,922 | -10% |
| Jacksons Gap | $1,930 | -9% |
| Gordo | $2,100 | -1% |
| Lower Peach Tree | $2,195 | +4% |
| Magnolia | $2,154 | +2% |
| Sardis | $2,188 | +3% |
| Sweet Water | $2,129 | +1% |
| Dadeville | $1,943 | -9% |
| Holy Trinity | $2,250 | +6% |
| Notasulga | $1,980 | -7% |
| Arley | $2,153 | +2% |
| Bankston | $2,090 | -1% |
| Delmar | $2,106 | -0% |
| Anderson | $1,870 | -12% |
| Russellville | $1,895 | -11% |
| Selma | $2,208 | +4% |
| Campbell | $2,100 | -1% |
| Dixons Mills | $2,162 | +2% |
| Morvin | $2,323 | +9% |
| Lawley | $2,087 | -1% |
| Fort Mitchell | $2,224 | +5% |
| Annemanie | $2,296 | +8% |
| Jones | $2,020 | -5% |
| Newbern | $2,162 | +2% |
| Pine Hill | $2,218 | +5% |
| Uniontown | $2,246 | +6% |
| Cusseta | $2,042 | -4% |
| Ozark | $1,783 | -17% |
| Slocomb | $1,824 | -15% |
| Goodway | $2,127 | +1% |
| Alberta | $2,221 | +5% |
| Maplesville | $2,042 | -4% |
| Minter | $2,210 | +4% |
| Hatchechubbee | $2,147 | +1% |
| Alexandria | $1,931 | -9% |
| Weaver | $1,918 | -10% |
| Abbeville | $1,853 | -13% |
| Pittsview | $2,209 | +4% |
| Knoxville | $2,093 | -1% |
| Northport | $2,002 | -6% |
| Tuscaloosa | $1,998 | -6% |
| Oakman | $2,216 | +5% |
| Vina | $1,924 | -9% |
| Athens | $1,885 | -12% |
| Muscle Shoals | $1,824 | -15% |
| Baileyton | $1,915 | -10% |
| Steele | $1,904 | -11% |
| Eclectic | $1,966 | -7% |
| Equality | $1,948 | -8% |
| Boligee | $2,187 | +3% |
| Buhl | $2,007 | -5% |
| Ethelsville | $2,058 | -3% |
| Columbiana | $1,915 | -10% |
| Crane Hill | $2,046 | -3% |
| Docena | $2,115 | -0% |
| Empire | $2,170 | +3% |
| Holly Pond | $1,971 | -7% |
| Morris | $2,045 | -3% |
| Vandiver | $1,929 | -9% |
| Wattsville | $2,045 | -3% |
| Salem | $2,069 | -2% |
| Waverly | $1,955 | -8% |
| Heflin | $1,948 | -8% |
| Muscadine | $1,956 | -8% |
| Woodland | $1,961 | -8% |
| Fort Rucker | $1,797 | -16% |
| Pansey | $1,849 | -13% |
| Florala | $1,849 | -13% |
| Alabaster | $1,907 | -10% |
| Alton | $2,146 | +1% |
| Bessemer | $2,094 | -1% |
| Centreville | $2,073 | -2% |
| Cleveland | $2,039 | -4% |
| Gardendale | $2,040 | -4% |
| Harpersville | $1,966 | -7% |
| Palmerdale | $2,093 | -1% |
| Shannon | $1,994 | -6% |
| Springville | $1,917 | -10% |
| Marion Junction | $2,210 | +4% |
| Myrtlewood | $2,125 | +0% |
| Nanafalia | $2,116 | +0% |
| Safford | $2,152 | +2% |
| Camp Hill | $1,952 | -8% |
| Geneva | $1,802 | -16% |
| Andalusia | $1,884 | -12% |
| Castleberry | $2,018 | -5% |
| Excel | $2,027 | -4% |
| Graham | $1,962 | -8% |
| Pinckard | $1,825 | -15% |
| Brewton | $1,959 | -8% |
| Monroeville | $1,990 | -6% |
| Daphne | $1,842 | -14% |
| Orrville | $2,185 | +3% |
| Tyler | $2,175 | +3% |
| Randolph | $2,078 | -2% |
| Elba | $1,836 | -14% |
| Coy | $2,202 | +4% |
| Oxford | $1,930 | -9% |
| Bynum | $1,954 | -8% |
| Eastaboga | $1,936 | -9% |
| Jacksonville | $1,918 | -10% |
| Piedmont | $2,000 | -6% |
| Ranburne | $1,946 | -8% |
| Coffee Springs | $1,798 | -16% |
| Jack | $1,848 | -14% |
| Nauvoo | $2,181 | +3% |
| Cloverdale | $1,844 | -14% |
| Danville | $1,844 | -14% |
| Florence | $1,819 | -15% |
| Millerville | $1,949 | -8% |
| Red Level | $1,924 | -10% |
| Bayou La Batre | $2,171 | +3% |
| Saint Elmo | $2,240 | +6% |
| Gadsden | $1,957 | -8% |
| Fort Payne | $1,805 | -16% |
| Fyffe | $1,805 | -16% |
| Ider | $1,829 | -15% |
| Cottonwood | $1,830 | -14% |
| Cowarts | $1,848 | -14% |
| Headland | $1,826 | -15% |
| Newton | $1,816 | -15% |
| Webb | $1,842 | -14% |
| Dickinson | $2,111 | -0% |
| Daleville | $1,802 | -16% |
| Midland City | $1,826 | -15% |
| Talladega | $1,920 | -10% |
| Trafford | $2,055 | -3% |
| Vincent | $1,932 | -9% |
| Munford | $1,934 | -9% |
| Wedowee | $1,954 | -8% |
| Wellington | $1,930 | -9% |
| Lineville | $1,926 | -9% |
| Wadley | $1,973 | -7% |
| Chancellor | $1,792 | -17% |
| Gordon | $1,869 | -12% |
| New Brockton | $1,838 | -14% |
| Shorterville | $1,850 | -13% |
| Evergreen | $2,028 | -4% |
| Calera | $1,896 | -11% |
| Cullman | $1,949 | -8% |
| Fairfield | $2,241 | +6% |
| Garden City | $2,036 | -4% |
| Helena | $1,918 | -10% |
| Kimberly | $2,019 | -5% |
| Remlap | $2,037 | -4% |
| Westover | $2,012 | -5% |
| Estillfork | $1,941 | -9% |
| Grant | $1,816 | -15% |
| Pisgah | $1,954 | -8% |
| Huntsville | $1,881 | -12% |
| Dawson | $1,838 | -14% |
| Flat Rock | $1,957 | -8% |
| Trinity | $1,860 | -13% |
| Woodville | $1,964 | -7% |
| Albertville | $1,828 | -15% |
| Ashville | $1,939 | -9% |
| Guntersville | $1,820 | -15% |
| Higdon | $1,948 | -8% |
| Childersburg | $1,960 | -8% |
| Hanceville | $1,995 | -6% |
| Joppa | $1,920 | -10% |
| Lincoln | $1,891 | -11% |
| Logan | $1,994 | -6% |
| Maylene | $1,915 | -10% |
| Odenville | $1,909 | -10% |
| Rockford | $1,968 | -7% |
| Fackler | $1,949 | -8% |
| Madison | $1,869 | -12% |
| Paint Rock | $1,986 | -6% |
| Henagar | $1,812 | -15% |
| De Armanville | $1,948 | -8% |
| Peterson | $2,019 | -5% |
| Jasper | $2,178 | +3% |
| Guin | $2,020 | -5% |
| Millport | $2,039 | -4% |
| Belle Mina | $1,900 | -11% |
| Cherokee | $1,843 | -14% |
| Eva | $1,848 | -14% |
| Falkville | $1,865 | -13% |
| Lester | $1,881 | -12% |
| Bremen | $2,020 | -5% |
| Brierfield | $2,098 | -1% |
| Mount Olive | $2,050 | -3% |
| Mulga | $2,116 | +0% |
| Oneonta | $2,004 | -5% |
| Pinson | $2,067 | -2% |
| Adger | $2,023 | -5% |
| Alpine | $1,951 | -8% |
| Kellerman | $2,078 | -2% |
| Mc Shan | $2,055 | -3% |
| Vance | $2,023 | -4% |
| Natural Bridge | $2,075 | -2% |
| Decatur | $1,870 | -12% |
| Sheffield | $1,829 | -15% |
| Graysville | $2,088 | -1% |
| Ragland | $1,917 | -10% |
| Saginaw | $1,956 | -8% |
| Sterrett | $1,937 | -9% |
| Sylacauga | $1,951 | -8% |
| Thorsby | $2,016 | -5% |
| Union Grove | $1,819 | -15% |
| Watson | $2,031 | -4% |
| Wilton | $1,998 | -6% |
| Honoraville | $2,004 | -5% |
| Luverne | $2,002 | -6% |
| Union Springs | $2,150 | +2% |
| Leesburg | $1,903 | -11% |
| Grady | $2,001 | -6% |
| Louisville | $1,953 | -8% |
| Mathews | $2,011 | -5% |
| Troy | $1,958 | -8% |
| Wetumpka | $2,012 | -5% |
| Ashford | $1,838 | -14% |
| Columbia | $1,856 | -13% |
| Grove Hill | $2,106 | -0% |
| Opp | $1,818 | -15% |
| Uriah | $2,029 | -4% |
| Atmore | $1,951 | -8% |
| Bay Minette | $1,820 | -15% |
| Chunchula | $2,112 | -0% |
| Spanish Fort | $1,839 | -14% |
| Ardmore | $1,917 | -10% |
| Capshaw | $1,897 | -11% |
| Hazel Green | $1,919 | -10% |
| Meridianville | $1,921 | -10% |
| Normal | $1,908 | -10% |
| Scottsboro | $1,938 | -9% |
| Rainbow City | $1,979 | -7% |
| Cedar Bluff | $1,889 | -11% |
| Centre | $1,893 | -11% |
| Kinston | $1,826 | -15% |
| Mc Kenzie | $2,027 | -4% |
| River Falls | $1,887 | -11% |
| Chatom | $2,120 | +0% |
| Gainestown | $2,103 | -1% |
| Huxford | $2,000 | -6% |
| Little River | $1,847 | -14% |
| Wilmer | $2,144 | +1% |
| Gurley | $1,936 | -9% |
| Langston | $1,914 | -10% |
| Valhermoso Springs | $1,873 | -12% |
| Attalla | $1,930 | -9% |
| Repton | $2,029 | -4% |
| Bon Secour | $1,881 | -12% |
| Bucks | $2,102 | -1% |
| Satsuma | $2,040 | -4% |
| Ashland | $1,935 | -9% |
| Quinton | $2,150 | +2% |
| Siluria | $1,909 | -10% |
| Perdue Hill | $1,990 | -6% |
| Axis | $2,041 | -4% |
| Calvert | $2,127 | +1% |
| Grand Bay | $2,160 | +2% |
| Lillian | $1,883 | -12% |
| Montrose | $1,869 | -12% |
| Mount Vernon | $2,088 | -1% |
| Silverhill | $1,839 | -14% |
| Summerdale | $1,829 | -15% |
| Theodore | $2,180 | +3% |
| Tibbie | $2,126 | +0% |
| Vinegar Bend | $2,125 | +0% |
| Wagarville | $2,147 | +1% |
| Carbon Hill | $2,107 | -0% |
| Eldridge | $2,137 | +1% |
| Phil Campbell | $1,939 | -9% |
| Elkmont | $1,887 | -11% |
| Moulton | $1,887 | -11% |
| Beaverton | $2,008 | -5% |
| Goodsprings | $2,199 | +4% |
| Haleyville | $2,058 | -3% |
| Houston | $2,030 | -4% |
| Red Bay | $1,922 | -10% |
| Panola | $2,103 | -1% |
| Addison | $2,103 | -1% |
| Belk | $2,088 | -1% |
| Cordova | $2,249 | +6% |
| Double Springs | $2,086 | -1% |
| Glen Allen | $2,076 | -2% |
| Lynn | $2,058 | -3% |
| Sulligent | $2,040 | -4% |
| Courtland | $1,882 | -12% |
| Hillsboro | $1,874 | -12% |
| Killen | $1,828 | -15% |
| Moundville | $2,121 | +0% |
| Ralph | $2,009 | -5% |
| Bear Creek | $2,062 | -3% |
| Detroit | $2,028 | -4% |
| Hamilton | $2,047 | -3% |
| Vernon | $2,045 | -3% |
| Hartselle | $1,841 | -14% |
| Lexington | $1,813 | -15% |
| Ohatchee | $1,965 | -7% |
| Spring Garden | $1,939 | -9% |
| Livingston | $2,117 | +0% |
| West Greene | $2,137 | +1% |
| Hackleburg | $2,077 | -2% |
| Kennedy | $2,054 | -3% |
| Parrish | $2,246 | +6% |
| Winfield | $2,043 | -4% |
| Leighton | $1,820 | -15% |
| Rogersville | $1,834 | -14% |
| Autaugaville | $1,996 | -6% |
| Clayton | $1,950 | -8% |
| Prattville | $2,002 | -6% |
| Samson | $1,809 | -16% |
| Vredenburgh | $2,051 | -3% |
| Carlton | $2,292 | +8% |
| Creola | $2,056 | -3% |
| Dauphin Island | $2,102 | -1% |
| Fairhope | $1,823 | -15% |
| Irvington | $2,177 | +3% |
| Jackson | $2,115 | -0% |
| Magnolia Springs | $1,850 | -13% |
| Adamsville | $2,100 | -1% |
| Alexander City | $1,975 | -7% |
| Elmore | $2,022 | -5% |
| Goshen | $1,919 | -10% |
| Hardaway | $2,114 | -0% |
| Highland Home | $2,011 | -5% |
| Rutledge | $1,995 | -6% |
| Titus | $1,991 | -6% |
| Aliceville | $2,097 | -1% |
| Reform | $2,079 | -2% |
| Berry | $2,123 | +0% |
| Brilliant | $2,030 | -4% |
| Fayette | $2,077 | -2% |
| Hodges | $1,940 | -9% |
| Sipsey | $2,213 | +4% |
| Spruce Pine | $1,935 | -9% |
| Forest Home | $2,044 | -3% |
| Hayneville | $2,090 | -1% |
| Letohatchee | $2,054 | -3% |
| Shorter | $2,053 | -3% |
| Tuskegee | $2,066 | -2% |
| Tanner | $1,846 | -14% |
| Town Creek | $1,882 | -12% |
| Hollytree | $2,005 | -5% |
| Stevenson | $1,943 | -9% |
| Gallant | $1,892 | -11% |
| Gaylesville | $1,893 | -11% |
| Brookwood | $2,028 | -4% |
| Coker | $2,016 | -5% |
| Fosters | $2,026 | -4% |
| Cottondale | $2,018 | -5% |
| Peterman | $2,051 | -3% |
| Wing | $1,854 | -13% |
| Leroy | $2,114 | -0% |
| Robertsdale | $1,835 | -14% |
| Saraland | $2,130 | +1% |
| Seminole | $1,848 | -13% |
| Samantha | $2,053 | -3% |
| Mooresville | $1,852 | -13% |
| Smiths Station | $2,092 | -1% |
| Cuba | $2,129 | +1% |
| Needham | $2,099 | -1% |
| Blountsville | $2,004 | -5% |
| Locust Fork | $2,074 | -2% |
| Montevallo | $1,872 | -12% |
| Pelham | $1,925 | -9% |
| Pell City | $1,907 | -10% |
| Shelby | $1,892 | -11% |
| Sumiton | $2,191 | +3% |
| Woodstock | $2,116 | -0% |
| Allgood | $2,084 | -2% |
| Megargel | $2,003 | -5% |
| Mexia | $2,015 | -5% |
| Coden | $2,181 | +3% |
| Chelsea | $1,999 | -6% |
| Cropwell | $1,908 | -10% |
| West Blocton | $2,119 | +0% |
| Jachin | $2,090 | -1% |
| Toxey | $2,097 | -1% |
| Lenox | $2,040 | -4% |
| Deer Park | $2,120 | +0% |
| Foley | $1,823 | -15% |
| Frankville | $2,113 | -0% |
| Perdido | $1,825 | -15% |
| Semmes | $2,115 | -0% |
| Stockton | $1,873 | -12% |
| Brooklyn | $2,054 | -3% |
| Franklin | $2,020 | -5% |
| Frisco City | $2,002 | -6% |
| Lockhart | $1,884 | -12% |
| Whatley | $2,121 | +0% |
| Citronelle | $2,117 | +0% |
| Coffeeville | $2,136 | +1% |
| Gulf Shores | $1,905 | -11% |
| Mc Intosh | $2,157 | +2% |
| Orange Beach | $1,899 | -11% |
| Saint Stephens | $2,140 | +1% |
| Sunflower | $2,098 | -1% |
| Tuscumbia | $1,838 | -14% |
| Waterloo | $1,853 | -13% |
| Brownsboro | $1,912 | -10% |
| Owens Cross Roads | $1,933 | -9% |
| Ryland | $1,947 | -8% |
| Bryant | $1,945 | -8% |
| Hayden | $2,038 | -4% |
| Jemison | $2,032 | -4% |
| Kellyton | $1,929 | -9% |
| Mc Calla | $1,983 | -7% |
| Sayre | $2,093 | -1% |
| Clanton | $1,981 | -7% |
| Clay | $2,063 | -3% |
| Dolomite | $2,143 | +1% |
| Dora | $2,074 | -2% |
| Green Pond | $2,073 | -2% |
| Leeds | $2,064 | -3% |
| New Castle | $2,053 | -3% |
| Pleasant Grove | $2,091 | -1% |
| Riverside | $1,928 | -9% |
| Sycamore | $1,963 | -8% |
| Cardiff | $2,084 | -2% |
| Fultondale | $2,098 | -1% |
| Elberta | $1,856 | -13% |
| Millry | $2,125 | +0% |
| Stapleton | $1,814 | -15% |
| Bon Air | $1,989 | -6% |
| Brent | $2,111 | -0% |
| Trussville | $2,076 | -2% |
| Vinemont | $1,921 | -10% |
| Weogufka | $1,998 | -6% |
| Midway | $2,129 | +1% |
| Ramer | $2,046 | -3% |
| Tallassee | $1,979 | -7% |
| Townley | $2,147 | +1% |
| Mount Hope | $1,894 | -11% |
| Akron | $2,132 | +1% |
| Echola | $1,986 | -6% |
| Booth | $2,023 | -4% |
| Deatsville | $1,989 | -6% |
| Dozier | $1,926 | -9% |
| Perote | $2,203 | +4% |
| Tuskegee Institute | $2,066 | -2% |
| Verbena | $1,977 | -7% |
| Burnwell | $2,190 | +3% |
| Goodwater | $1,976 | -7% |
| Hollins | $1,952 | -8% |
| Warrior | $2,071 | -2% |
| Wilsonville | $1,925 | -9% |
| Trenton | $1,949 | -8% |
| Boaz | $1,880 | -12% |
| Crossville | $1,832 | -14% |
| Geraldine | $1,829 | -15% |
| Horton | $1,840 | -14% |
| Somerville | $1,893 | -11% |
| New Market | $1,902 | -11% |
| Section | $1,937 | -9% |
| Groveoak | $1,833 | -14% |
| Georgiana | $2,025 | -4% |
| Lapine | $2,031 | -4% |
| Pike Road | $2,051 | -3% |
| Rainsville | $1,815 | -15% |
| Sylvania | $1,810 | -16% |
| Billingsley | $1,999 | -6% |
| Brundidge | $1,912 | -10% |
| Coosada | $2,027 | -4% |
| Hope Hull | $2,034 | -4% |
| Marbury | $1,973 | -7% |
| Clio | $1,936 | -9% |
| Fitzpatrick | $2,128 | +1% |
| Fort Deposit | $2,064 | -2% |
| Gantt | $1,868 | -12% |
| Valley Head | $1,816 | -15% |
| Chapman | $2,020 | -5% |
| Moody | $1,944 | -8% |
| Arab | $1,815 | -15% |
| Bridgeport | $1,929 | -9% |
| New Hope | $1,906 | -10% |
| Toney | $1,956 | -8% |
| Altoona | $1,883 | -12% |
| Abernant | $2,068 | -2% |
| Carrollton | $2,120 | +0% |
| Emelle | $2,119 | +0% |
| Eutaw | $2,165 | +2% |
| Clinton | $2,139 | +1% |
| Duncanville | $2,038 | -4% |
| Elrod | $1,983 | -6% |
| Epes | $2,115 | -0% |
| Gainesville | $2,125 | +0% |
| Mentone | $1,817 | -15% |
| Brantley | $1,981 | -7% |
| Cecil | $2,062 | -3% |
| Glenwood | $1,967 | -7% |
| Dutton | $1,972 | -7% |
| Harvest | $1,938 | -9% |
| Hollywood | $1,961 | -8% |
| Laceys Spring | $1,899 | -11% |
| Princeton | $1,968 | -7% |
| Collinsville | $1,804 | -16% |
| Range | $2,005 | -5% |
| Fruitdale | $2,147 | +1% |
| Loxley | $1,830 | -14% |
| Malcolm | $2,113 | -0% |
| Banks | $1,980 | -7% |
| East Tallassee | $1,993 | -6% |
| Eufaula | $1,999 | -6% |
| Greenville | $2,008 | -5% |
| Kent | $2,033 | -4% |
| Millbrook | $2,012 | -5% |
| Petrey | $2,021 | -5% |
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 | Average annual full coverage premium in AL | Average minimum coverage premium in AL |
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in AL
$4,698
|
Average minimum coverage premium in AL
$1,448
|
|
Age 18
|
Average annual full coverage premium in AL
$6,434
|
Average minimum coverage premium in AL
$1,906
|
|
Age 20
|
Average annual full coverage premium in AL
$4,291
|
Average minimum coverage premium in AL
$1,146
|
|
Age 25
|
Average annual full coverage premium in AL
$2,553
|
Average minimum coverage premium in AL
$626
|
|
Age 30
|
Average annual full coverage premium in AL
$2,171
|
Average minimum coverage premium in AL
$513
|
|
Age 40
|
Average annual full coverage premium in AL
$2,008
|
Average minimum coverage premium in AL
$476
|
|
Age 50
|
Average annual full coverage premium in AL
$1,874
|
Average minimum coverage premium in AL
$452
|
|
Age 60
|
Average annual full coverage premium in AL
$1,828
|
Average minimum coverage premium in AL
$455
|
|
Age 70
|
Average annual full coverage premium in AL
$2,043
|
Average minimum coverage premium in AL
$547
|
| Age | Average annual full coverage premium in AL | Average minimum coverage premium in AL |
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in AL
$4,278
|
Average minimum coverage premium in AL
$1,351
|
|
Age 18
|
Average annual full coverage premium in AL
$6,003
|
Average minimum coverage premium in AL
$1,774
|
|
Age 20
|
Average annual full coverage premium in AL
$3,801
|
Average minimum coverage premium in AL
$1,055
|
|
Age 25
|
Average annual full coverage premium in AL
$2,585
|
Average minimum coverage premium in AL
$667
|
|
Age 30
|
Average annual full coverage premium in AL
$2,109
|
Average minimum coverage premium in AL
$507
|
|
Age 40
|
Average annual full coverage premium in AL
$1,970
|
Average minimum coverage premium in AL
$481
|
|
Age 50
|
Average annual full coverage premium in AL
$1,773
|
Average minimum coverage premium in AL
$452
|
|
Age 60
|
Average annual full coverage premium in AL
$1,771
|
Average minimum coverage premium in AL
$445
|
|
Age 70
|
Average annual full coverage premium in AL
$1,951
|
Average minimum coverage premium in AL
$526
|
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 | Avg. annual premium for drivers in AL |
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in AL
$4,488
|
|
Age 17
|
Avg. annual premium for drivers in AL
$4,116
|
|
Age 18
|
Avg. annual premium for drivers in AL
$3,719
|
|
Age 19
|
Avg. annual premium for drivers in AL
$3,226
|
|
Age 20
|
Avg. annual premium for drivers in AL
$2,946
|
| Age | Avg. annual premium for drivers in AL |
|---|---|
|
Age 18
|
Avg. annual premium for drivers in AL
$6,218
|
|
Age 19
|
Avg. annual premium for drivers in AL
$4,602
|
|
Age 20
|
Avg. annual premium for drivers in AL
$4,046
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 67 percent more |
| Age 19 | 43 percent more |
| Age 20 | 37 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.
| Driving incident | Avg. annual premium* in AL | Percentage increase from AL avg. annual premium* |
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in AL
$1,989
|
Percentage increase from AL avg. annual premium*
0%
|
|
Avg. annual premium* in AL
$2,392
|
Percentage increase from AL avg. annual premium*
20%
|
|
|
Avg. annual premium* in AL
$2,890
|
Percentage increase from AL avg. annual premium*
45%
|
|
|
Avg. annual premium* in AL
$3,443
|
Percentage increase from AL avg. annual premium*
73%
|
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 110 percent more for their average annual premium than those with excellent credit.
| Credit tier | Avg. annual premium* in AL | Percentage change from AL average annual premium* |
|---|---|---|
|
Avg. annual premium* in AL
$3,628
|
Percentage change from AL average annual premium*
82%
|
|
|
Average
|
Avg. annual premium* in AL
$2,158
|
Percentage change from AL average annual premium*
8%
|
|
Avg. annual premium* in AL
$1,989
|
Percentage change from AL average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in AL
$1,725
|
Percentage change from AL average annual premium*
-13%
|
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.
| Vehicle | Avg. annual premium* in AL |
|---|---|
|
Avg. annual premium* in AL
$1,989
|
|
|
Avg. annual premium* in AL
$1,848
|
|
|
Avg. annual premium* in AL
$1,707
|
|
|
BMW 330i
|
Avg. annual premium* in AL
$2,427
|
|
Toyota Prius
|
Avg. annual premium* in AL
$2,028
|
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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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 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: Shopping around for your coverage allows you to see the range of premiums that you might pay from different insurers, so you can pick the one that works best for your wallet. Getting quotes is simple and only takes a few minutes if the company you're interested in allows for online quotes. If not, a quick call to a licensed agent may help you save money on your policy.
- 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 as a long-term savings strategy, it could save you money.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 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.
Credit-based insurance scores: 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.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (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.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Teens: 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 unless otherwise noted.