Cheapest Car Insurance in Alabama
Figures refreshed
Where Alabama publishes rates, insurers are ranked by price, plus ways to lower your own bill.
- the average monthly cost of the legal minimum is $53.
- 25/50/25. the minimum liability limits.
- 28th of 51most expensive state (1st = highest)
For an adult with a clean record, the cheapest in Alabama
Details the state used for pricing: Married couple ages 62 and 57, clean records, homeowners, 2012 Ford F-250 + 2010 Nissan Maxima, 100/300/50 + comp/coll.
| 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 |
| 6 | State Farm | $1,054 | $88 |
| 7 | Encompass Indemnity Company | $1,058 | $88 |
| 8 | Progressive | $1,062 | $88 |
| 9 | Safeco Insurance Company of Illinois | $1,070 | $89 |
| 10 | Safeco Insurance Company of Illinois | $1,084 | $90 |
For a driver after an accident, the cheapest in Alabama
Details the state used for pricing: Single male, age 18, 1 minor violation, thin-file credit, lives with parents, 2010 Chevy Silverado 1500 Extended Cab 2WD, 25/50/25 + comp/coll.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Progressive | $3,192 | $266 |
| 2 | USAA | $3,256 | $271 |
| 3 | USAA | $3,500 | $292 |
| 4 | USAA | $3,848 | $321 |
| 5 | Equity Insurance Company | $4,084 | $340 |
| 6 | Garrison Property and Casualty Insurance Company | $4,314 | $360 |
| 7 | Victoria Fire & Casualty Co | $4,518 | $376 |
| 8 | Safeway Insurance Company of Alabama, Inc. | $4,600 | $383 |
| 9 | USAA | $4,622 | $385 |
| 10 | Encompass Indemnity Company | $4,746 | $396 |
Ways to lower what you pay
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $757 a year on the Alabama average.
- Raise your deductible; the money you save in a year often beats the extra you'd pay on a single claim.
- Ask for each discount by name: good student, multi-car, paying in full, bundling home and auto, safe-driving apps.
- Compare prices again at each renewal; one price rising doesn't mean the others rose too
More information about car insurance in Alabama
It was first written