Car Insurance in Alabama
Figures updated
Learn what Alabama drivers pay, the legal minimum and which insurers cost the least.
- $116.the monthly average for full coverage.
- 25/50/25.the minimum liability limits.
- [li] It ranks 28th for cost among 51 states (1st = highest).
How much car insurance costs in Alabama
An average Alabama driver paying for full coverage spends $1,388 a year, or about $116 a month. Policies carrying only the legal minimum average $631 a year. The US average is $1,613 a year, so that figure is 14% lower.
| 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).
Alabama's legal minimum
In Alabama, the minimum liability limits are 25/50/25. Coverage for each person hurt is $25,000. A single crash has a $50,000 limit for everyone hurt. Property damage for other people has a $25,000 limit.
In Alabama's at-fault system, the driver responsible for a crash pays through their liability cover.
You're not required to carry uninsured motorist cover, though insurers must offer it in most states.
Which insurers cost least in the Alabama rate guide
Married couple ages 62 and 57, clean records, homeowners, 2012 Ford F-250 + 2010 Nissan Maxima, 100/300/50 + comp/coll. These are yearly premiums taken from the state's own comparison guide.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Haulers Insurance Company | $598 | $50 |
| 2 | Clearcover Insurance Company | $824 | $69 |
| 3 | Progressive | $832 | $69 |
| 4 | Integon General Ins Corporation | $940 | $78 |
| 5 | Safeco Insurance Company of Illinois | $1,044 | $87 |
How many drivers in Alabama have no insurance
In 2023, around 17% of Alabama drivers had no car insurance, ranking 15th highest among the 51. If one of them hits you, uninsured motorist cover pays your bills.
More information on car insurance in Alabama
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