Alabama Car Insurance Calculator
Numbers refreshed
Answer answer three questions. No name, email or phone needed. needed. The Alabama average is already in place.
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What's the age of the main driver?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Alabama averages used for the estimate
The calculator uses NAIC averages for Alabama as its starting point. Age, driving record and the car then affect the estimate.
| 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).
Ways the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
First written