Full Coverage Car Insurance in Alabama
The figures were updated
Alabama averages set the price for liability, collision and non-collision damage coverage.
- each month, full coverage averages $116.
- minimum liability limits are 25/50/25.
- 28th of 51most expensive state (1st = highest)
Alabama's full coverage prices
Full coverage adds collision and comprehensive to liability. Those two parts cost $757 more a year in Alabama, added to the $631 liability average.
| 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).
When full coverage no longer makes sense
While you still owe money on the car, lenders and lease companies require full coverage.
Once you've paid the car off, weigh its value against $757 a year for the added coverage. When one rough year of premiums would cover most of what the car is worth, liability only tends to be the better buy.
Full coverage for each car in Alabama
These estimates come from IIHS-HLDI loss results and assume an adult with a clean record. We price 40 models, and these are the cheapest and dearest of them:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $898 | $75 |
| Honda CR-V | $899 | $75 |
| Subaru Outback | $964 | $80 |
| Toyota RAV4 | $1,041 | $87 |
| Mercedes-Benz C-Class | $1,904 | $159 |
| Chevrolet Camaro | $2,227 | $186 |
| Dodge Charger | $2,460 | $205 |
| Dodge Challenger | $2,594 | $216 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written on