Car insurance rates in Alabama
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- Cincinnati Insurance provides the cheapest liability coverage at $19 per month in Alabama.
- Cincinnati Insurance offers the cheapest rates for full coverage insurance in Alabama at $57 per month.
- At $135 per month, Huntsville is the cheapest city for car insurance in Alabama.
Read on to learn more about car insurance price trends in Alabama. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Alabama
For drivers looking to meet Alabama minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Alabama
#1. Cincinnati Insurance: $19
#2. Country Financial: $37
#2. USAA: $37
#4. Auto-Owners Insurance Co: $38
#5. State Farm: $39
Cheap full coverage in Alabama
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Alabama
#1. Country Financial: $57
#2. Cincinnati Insurance: $66
#3. Auto-Owners Insurance Co: $85
#4. Travelers: $107
#5. State Farm: $113
Impact of traffic violations on Alabama auto insurance rates
In Alabama, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Alabama may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Alabama after common driving violations.
- No violation: $164
- Not-at-fault accident: $170
- Failure to wear a seat belt: $197
- Speeding 6 - 10 MPH over limit: $203
- Speeding 21 - 25 MPH over limit: $215
- DUI: $300
- Reckless driving: $276
- Driving with a suspended license: $288
- Leaving scene of an accident/hit and run: $312
Car insurance rates across Alabama's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Alabama
#1. Huntsville: $135
#2. Montgomery: $146
#3. Mobile: $152
#4. Birmingham: $157
#5. Hartford: $165
Cities with the most expensive average monthly premium in Alabama
#1. Tarrant: $218
#2. Fairfield: $217
#3. Lipscomb: $216
#4. Brighton: $215
#4. Center Point: $215
