Cheap Car Insurance in Alabama 2019
Average Alabama auto insurance premiums by company
| Company (click for reviews) | Average annual premium in Alabama |
|---|---|
| Safeco | $1,446 |
| Safeway Insurance | $1,499 |
| USAA | $1,503 |
| Travelers Insurance | $1,543 |
| The General | $1,560 |
| Nationwide Insurance | $1,565 |
| State Farm | $1,597 |
| Allstate | $1,639 |
| Liberty Mutual | $1,669 |
| Esurance | $1,707 |
| Auto-Owners Insurance | $1,716 |
| Progressive Insurance | $1,725 |
| Farmers Insurance | $1,781 |
| AAA Insurance/Auto Club | $1,782 |
| National General | $1,785 |
Insurance increase after a speeding ticket
Alabama drivers who get a speeding ticket see an average insurance increase of 31%.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Alabama | $1,626/year | $2,134/year | 31% |
| Nationwide average | 26% | ||
Average insurance premiums in Alabama cities
| City | Average annual premium |
|---|---|
| Anniston | $1,647 |
| Bessemer | $1,792 |
| Birmingham | $1,706 |
| Decatur | $1,812 |
| Dothan | $1,474 |
| Florence | $1,505 |
| Gadsden | $1,714 |
| Huntsville | $1,468 |
| Madison | $1,525 |
| Mobile | $1,618 |
| Montgomery | $1,633 |
| Phenix City | $1,712 |
| Tuscaloosa | $1,626 |
You must show an insurance ID card (or other proof of financial responsibility) in Alabama when:
- Law enforcement requests it
- You renew vehicle registration
- Your vehicle is involved in a car accident
Penalties for not having auto insurance in Alabama
Operating a vehicle without the minimum insurance results in a license suspension:
- First violation: the department will terminate the suspension upon payment by the owner of a $200 reinstatement fee
- Second or subsequent violation within the preceding four years will result in suspension for four months and a $400 reinstatement fee
Source: Property Casualty Insurers Association of America.
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 20, 2019