The Cheapest Car Insurance in Alabama for July 2024
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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 Geico at $1,202 per year on average, or $100 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 $1,716 per year, or about $143 per month.
Did your rates go up? Auto insurance prices are on the rise in Alabama. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Alabama is $402 per year on average, but we found you can likely get a cheaper policy. For example, Cincinnati Insurance offers the cheapest rates in Alabama at $241 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.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 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Alabama. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Alabama for 20-year-olds
Drivers in Alabama with clean driving records may want to consider the following companies, which had the lowest average rates:
- Country Financial: $2,104 per year, or about $175 per month.
- Travelers: $2,309 per year, or about $192 per month.
- Geico: $2,672 per year, or about $223 per month.
- Cincinnati Insurance: $3,019 per year, or about $252 per month.
- Auto-Owners: $3,377 per year, or about $281 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:
- Travelers: $609 per year, or about $51 per month.
- Cincinnati Insurance: $615 per year, or about $51 per month.
- Country Financial: $692 per year, or about $58 per month.
- Geico: $730 per year, or about $61 per month.
- Allstate: $788 per year, or about $66 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:
- Travelers: $892 per year, or about $74 per month.
- Cincinnati Insurance: $911 per year, or about $76 per month.
- Allstate: $946 per year, or about $79 per month.
- Safeway: $1,034 per year, or about $86 per month.
- Geico: $1,059 per year, or about $88 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:
- Cincinnati Insurance: $728 per year, or about $61 per month.
- Travelers: $733 per year, or about $61 per month.
- Allstate: $877 per year, or about $73 per month.
- Country Financial: $947 per year, or about $79 per month.
- Geico: $988 per year, or about $82 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:
- Travelers: $773 per year, or about $64 per month.
- Cincinnati Insurance: $1,088 per year, or about $91 per month.
- Allstate: $1,096 per year, or about $91 per month.
- Country Financial: $1,113 per year, or about $93 per month.
- Geico: $1,172 per year, or about $98 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.
- Travelers: $861 per year, or about $72 per month.
- Allstate: $1,162 per year, or about $97 per month.
- Country Financial: $1,187 per year, or about $99 per month.
- Progressive: $1,374 per year, or about $114 per month.
- Cincinnati Insurance: $1,494 per year, or about $125 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:
- Geico: $1,214 per year, or about $101 per month.
- Travelers: $1,397 per year, or about $116 per month.
- Country Financial: $1,447 per year, or about $121 per month.
- Cincinnati Insurance: $1,564 per year, or about $130 per month.
- Auto-Owners: $1,585 per year, or about $132 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:
- Cincinnati Insurance: $246 per year, or about $21 per month.
- Geico: $278 per year, or about $23 per month.
- Auto-Owners: $346 per year, or about $29 per month.
- Allstate: $358 per year, or about $30 per month.
- Travelers: $387 per year, or about $32 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:
- Geico: $1,913 per year, or about $159 per month.
- Country Financial: $2,081 per year, or about $173 per month.
- Travelers: $2,349 per year, or about $196 per month.
- Cincinnati Insurance: $2,420 per year, or about $202 per month.
- Nationwide: $3,418 per year, or about $285 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:
- Cincinnati Insurance: $295 per year, or about $25 per month.
- Geico: $366 per year, or about $31 per month.
- Allstate: $390 per year, or about $33 per month.
- Travelers: $453 per year, or about $38 per month.
- State Farm: $480 per year, or about $40 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:
- Travelers: $1,818 per year, or about $151 per month.
- Country Financial: $2,003 per year, or about $167 per month.
- Auto-Owners: $2,022 per year, or about $168 per month.
- Geico: $2,366 per year, or about $197 per month.
- State Farm: $2,499 per year, or about $208 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.
- Travelers: $1,963 per year, or about $164 per month.
- Country Financial: $2,103 per year, or about $175 per month.
- Progressive: $2,743 per year, or about $229 per month.
- State Farm: $2,876 per year, or about $240 per month.
- Auto-Owners: $3,018 per year, or about $251 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:
- Geico: $1,200 per year, or about $100 per month.
- Travelers: $1,248 per year, or about $104 per month.
- Country Financial: $1,342 per year, or about $112 per month.
- Cincinnati Insurance: $1,440 per year, or about $120 per month.
- Auto-Owners: $1,581 per year, or about $132 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:
- Cincinnati Insurance: $220 per year, or about $18 per month.
- Geico: $278 per year, or about $23 per month.
- Allstate: $358 per year, or about $30 per month.
- Travelers: $359 per year, or about $30 per month.
- Auto-Owners: $361 per year, or about $30 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:
- Geico: $1,901 per year, or about $158 per month.
- Country Financial: $1,907 per year, or about $159 per month.
- Travelers: $2,038 per year, or about $170 per month.
- Cincinnati Insurance: $2,226 per year, or about $186 per month.
- Nationwide: $3,202 per year, or about $267 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:
- Cincinnati Insurance: $263 per year, or about $22 per month.
- Geico: $365 per year, or about $30 per month.
- Allstate: $390 per year, or about $33 per month.
- Travelers: $443 per year, or about $37 per month.
- Safeway: $464 per year, or about $39 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:
- Travelers: $1,712 per year, or about $143 per month.
- Country Financial: $1,857 per year, or about $155 per month.
- Auto-Owners: $2,019 per year, or about $168 per month.
- Geico: $2,348 per year, or about $196 per month.
- Cincinnati Insurance: $2,375 per year, or about $198 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.
- Travelers: $1,848 per year, or about $154 per month.
- Country Financial: $1,931 per year, or about $161 per month.
- Progressive: $2,549 per year, or about $212 per month.
- State Farm: $2,799 per year, or about $233 per month.
- Auto-Owners: $3,016 per year, or about $251 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:
- Geico: $1,137 per year, or about $95 per month.
- Travelers: $1,224 per year, or about $102 per month.
- Cincinnati Insurance: $1,278 per year, or about $107 per month.
- Country Financial: $1,282 per year, or about $107 per month.
- Auto-Owners: $1,468 per year, or about $122 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:
- Cincinnati Insurance: $197 per year, or about $16 per month.
- Geico: $251 per year, or about $21 per month.
- Allstate: $324 per year, or about $27 per month.
- Auto-Owners: $328 per year, or about $27 per month.
- Country Financial: $351 per year, or about $29 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:
- Geico: $1,652 per year, or about $138 per month.
- Country Financial: $1,819 per year, or about $152 per month.
- Cincinnati Insurance: $1,958 per year, or about $163 per month.
- Travelers: $2,002 per year, or about $167 per month.
- Nationwide: $2,940 per year, or about $245 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:
- Cincinnati Insurance: $234 per year, or about $20 per month.
- Geico: $319 per year, or about $27 per month.
- Allstate: $356 per year, or about $30 per month.
- Safeway: $430 per year, or about $36 per month.
- Travelers: $443 per year, or about $37 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:
- Travelers: $1,680 per year, or about $140 per month.
- Country Financial: $1,790 per year, or about $149 per month.
- Auto-Owners: $1,866 per year, or about $155 per month.
- Cincinnati Insurance: $2,091 per year, or about $174 per month.
- Geico: $2,098 per year, or about $175 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.
- Travelers: $1,814 per year, or about $151 per month.
- Country Financial: $1,840 per year, or about $153 per month.
- Progressive: $2,360 per year, or about $197 per month.
- Good2Go: $2,691 per year, or about $224 per month.
- State Farm: $2,715 per year, or about $226 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:
- Geico: $1,103 per year, or about $92 per month.
- Travelers: $1,129 per year, or about $94 per month.
- Cincinnati Insurance: $1,185 per year, or about $99 per month.
- Country Financial: $1,229 per year, or about $102 per month.
- Auto-Owners: $1,428 per year, or about $119 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:
- Cincinnati Insurance: $189 per year, or about $16 per month.
- Geico: $250 per year, or about $21 per month.
- Allstate: $324 per year, or about $27 per month.
- Auto-Owners: $330 per year, or about $28 per month.
- Country Financial: $345 per year, or about $29 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:
- Geico: $1,553 per year, or about $129 per month.
- Country Financial: $1,749 per year, or about $146 per month.
- Cincinnati Insurance: $1,821 per year, or about $152 per month.
- Travelers: $1,856 per year, or about $155 per month.
- Nationwide: $2,756 per year, or about $230 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:
- Cincinnati Insurance: $223 per year, or about $19 per month.
- Geico: $345 per year, or about $29 per month.
- Allstate: $356 per year, or about $30 per month.
- Travelers: $444 per year, or about $37 per month.
- State Farm: $444 per year, or about $37 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:
- Travelers: $1,621 per year, or about $135 per month.
- Country Financial: $1,742 per year, or about $145 per month.
- Auto-Owners: $1,817 per year, or about $151 per month.
- Cincinnati Insurance: $1,939 per year, or about $162 per month.
- State Farm: $2,206 per year, or about $184 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.
- Travelers: $1,751 per year, or about $146 per month.
- Country Financial: $1,771 per year, or about $148 per month.
- Progressive: $2,276 per year, or about $190 per month.
- State Farm: $2,538 per year, or about $212 per month.
- Cincinnati Insurance: $2,617 per year, or about $218 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:
- Geico: $1,236 per year, or about $103 per month.
- Travelers: $1,238 per year, or about $103 per month.
- Country Financial: $1,267 per year, or about $106 per month.
- Cincinnati Insurance: $1,355 per year, or about $113 per month.
- Auto-Owners: $1,606 per year, or about $134 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:
- Cincinnati Insurance: $268 per year, or about $22 per month.
- Geico: $310 per year, or about $26 per month.
- Allstate: $357 per year, or about $30 per month.
- Travelers: $395 per year, or about $33 per month.
- Country Financial: $397 per year, or about $33 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:
- Country Financial: $1,837 per year, or about $153 per month.
- Geico: $1,919 per year, or about $160 per month.
- Cincinnati Insurance: $2,093 per year, or about $174 per month.
- Travelers: $2,116 per year, or about $176 per month.
- Nationwide: $2,890 per year, or about $241 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:
- Cincinnati Insurance: $318 per year, or about $27 per month.
- Allstate: $389 per year, or about $32 per month.
- State Farm: $479 per year, or about $40 per month.
- Geico: $486 per year, or about $41 per month.
- Travelers: $524 per year, or about $44 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:
- Travelers: $1,838 per year, or about $153 per month.
- Country Financial: $1,860 per year, or about $155 per month.
- Auto-Owners: $2,071 per year, or about $173 per month.
- Cincinnati Insurance: $2,235 per year, or about $186 per month.
- State Farm: $2,315 per year, or about $193 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.
- Country Financial: $1,861 per year, or about $155 per month.
- Travelers: $1,986 per year, or about $166 per month.
- State Farm: $2,655 per year, or about $221 per month.
- Progressive: $2,666 per year, or about $222 per month.
- Good2Go: $3,003 per year, or about $250 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 62 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.
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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