Average Car Insurance Cost in Alabama
Numbers refreshed
NAIC provides Alabama averages by coverage and gives the national rank.
- [li] Full coverage costs $1,388 per year on average.
- [li] The minimum liability limits are 25/50/25.
- [li] The state's expense rank is 28th of 51 (1st = the top).
Average cost by coverage in Alabama
[p] For Alabama, full coverage runs at $1,388 each year on average. [p] This figure is 14% below the US annual average of $1,613.
[p] In 2023, insured-car spending averaged $1,080; by 2024, it reached $1,178, a 9.1% increase.
| Coverage in Alabama | Per year | Per month |
|---|---|---|
| Liability | $631 | $53 |
| Collision | $480 | $40 |
| Comprehensive | $277 | $23 |
| Full coverage (all three) | $1,388 | $116 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
How Alabama compares with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Utah | 25th | $1,403 | $117 |
| Alaska | 26th | $1,399 | $117 |
| Pennsylvania | 27th | $1,396 | $116 |
| Alabama | 28th | $1,388 | $116 |
| Illinois | 29th | $1,383 | $115 |
| Oregon | 30th | $1,375 | $115 |
| Minnesota | 31st | $1,373 | $114 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your specific number
Averages include all ages and records. The Alabama calculator adjusts the figures for your age and record.
First written