Alabama Car Insurance (2024)

Alabama car insurance is crucial to protecting all your assets, including one of your most significant assets, your vehicle. By understanding coverage options, taking advantage of discounts and asking the right questions, you’ll be taking the first steps to a more secure future.

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Alabama Car Insurance (1)

Alabama Car Insurance (2)

Auto insurance coverage

When you invest in car insurance in Alabama, you are protecting yourself from unexpected financial loss. Our coverage options include:

  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Bodily injury liability
  • Property damage liability
  • Uninsured and underinsured motorist coverage

Additional auto coverage you should consider:

  • Roadside assistance
  • Rental car coverage
  • Windshield replacement coverage

Learn more about our car insurance coverages.

How much is car insurance in Alabama?

Have you ever thought about the cost of auto insurance in Alabama? According to NerdWallet, the average car insurance cost in Alabama is $1,798 annually.¹ Several factors can influence car insurance rates, but the top three cost factors are typically:

  • Driving record:Your driving history plays a crucial role. Accidents, tickets, and other violations can result in higher premiums.
  • Age and gender:Younger, inexperienced drivers often face higher rates. Gender can also be a factor, as some statistics suggest that young males may have higher accident rates.
  • Coverage and deductibles:The type and amount of coverage you choose and your deductible (the amount you pay before insurance kicks in)can significantly impact your rates.

What is the cheapest car insurance?

When it comes to car insurance in Alabama, it's more important you get the coverage you need—and that satisfies state laws—than focus on the cost.

But cost is an important factor, so start by considering your financial situation. Determine what your budget allows, and as you compare car insurance policies, pay attention to each policy’s coverage limits and deductibles.

After that, you should talk to an insurance agent. Our reps ask pertinent questions to uncover thetypes of car insurance coverageyou need. You'll understand what you're getting because they'll walk through real-life scenarios. You'll be valued and they'll advocate for what’s best for you; they don’t just sell you a package.

Alabama Car Insurance (3)

Car insurance discounts

There are many discounts to help you save on auto insurance policy. Alabama auto insurance discounts2range from different types of policies, driver histories or even safety. So many things affect your ability to save on Alabama car insurance.

  • Multi-Policy Discount: Multi-Policy discounts happen when a discount is given when someone opts to bundle auto and home insurance together.
  • Safety discounts: Some auto car discounts are specifically for teen drivers, defensive drivers, or people who equip their vehicles with anti-theft devices. OurDriverIQ Program uses smartphone app technology to give you feedback on your driving and can save you up to 25%.
  • Driver discounts: We offer driver discounts for full-time students with a 3.0 GPA or higher, as well as good driver discounts for drivers who have remained accident-free for a specific amount of time, and more!

See all ourcar insurance discounts.

Car insurance for teens

Yes, it’s rather tricky to insure teenagers. Here at COUNTRY Financial we’ve got you covered. There’s always a plethora of options for auto insurance for teens; the trouble is choosing which one and understanding what you need and why you need it based on your individual circumstances.

Read more about car insurance for teenagers.

Is car insurance required?

Yes, every driver in Alabama must have insurance before driving.The state requires liability coverage, personal injury protection and uninsured motorist protection.

  • Bodily injury liability:Bodily injury liability pays for injuries to others in an accident caused by you.
  • Property damage liability:Property damage liability pays for damage to property of others in an accident caused by you.
  • Uninsured motorist protection: Covers physical and property damages resulting from an accident with another driver who has no auto insurance.

Car insurance in Alabama

At COUNTRY Financial, we proudly serve car owners in various cities in Alabama. While these are just some of the areas we do business in, we have an extensive state network with more flexible coverage than most car insurance companies.

All cities in Alabama

Athens

Bessemer

Birmingham

Harvest

Huntsville

Madison

McCalla

Tuscaloosa

Trussville

Ready to start a car insurance quote?

Start online, find a local rep or call us at 866-COUNTRY (866-268-6879). We'll help youfindcar insurance that worksfor you.

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Alabama Car Insurance (2024)

FAQs

Who is the cheapest car insurance in Alabama? ›

State Farm is the cheapest insurance company in Alabama for minimum car insurance, at only $26 per month.

How much is car insurance in Alabama per month? ›

In Alabama, the average monthly cost for a minimum coverage car insurance policy is $38, while a full coverage policy averages $84 per month. Affordable options are available if you seek basic or comprehensive coverage. Free. Simple.

What is the Alabama law in car insurance? ›

Alabama law only requires liability coverage in order to be legal. However, consider these additional coverage options to expand your insurance coverage and gain more protection. Comprehensive: This coverage protects your vehicle from non-collision perils such as theft, weather damage, and even hitting an animal.

What is the basic insurance in Alabama? ›

Minimum insurance limits are: $25,000 bodily injury/person/accident. $50,000 combined bodily injury/accident. $25,000 property damage/accident or a combined single limit of $75,000/accident.

What is the cheapest legit car insurance? ›

Key insights 💡
  • The top five cheapest car insurance companies in the United States are Geico, Travelers, State Farm, American Family and Progressive, according to NerdWallet's August 2024 analysis of large insurers.
  • Geico offers the cheapest minimum coverage, with an average rate of $353 a year.
Sep 1, 2024

Is insurance high in Alabama? ›

In Alabama, the monthly average cost of car insurance is $40 for minimum coverage and $166 for full coverage. In Alabama, drivers with a single at-fault accident pay 50 percent more than the average cost of full coverage car insurance.

Is it illegal to drive without insurance in Alabama? ›

Alabama requires every driver to have car insurance — and driving without it is a misdemeanor. If caught, the state may charge a fine of $500–$1,000 and suspend your driver's license and registration. Misdemeanors also have potential punishments, like vehicle impoundment and jail time.

Is Alabama a no fault car insurance state? ›

No, Alabama is not a state that has a no-fault insurance system. Alabama is a fault state. Motorists who are found at fault for a collision may be held financially accountable for the medical bills and other losses they have caused others to sustain.

Does car insurance affect credit score? ›

The short answer is no. There is no direct affect between car insurance and your credit, paying your insurance bill late or not at all could lead to debt collection reports. Debt collection reports do appear on your credit report (often for 7-10 years) and can be read by future lenders.

Can someone drive my car if they are not on my insurance Alabama? ›

In Alabama, the insurance generally follows the car, not the driver. This means that the owner's car insurance – including bodily injury liability, collision coverage, and comprehensive coverage – follows the car no matter who's driving.

Can I have out of state car insurance in Alabama? ›

Every Alabama registered motor vehicle must be covered by an Alabama liability insurance policy. A registrant may contact their insurance company to convert the OOS policy to an Alabama policy.

Can you self insure your car in Alabama? ›

Motor Vehicles and Traffic § 32-7-34. (a) Any person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the director as provided in subsection (b) of this section.

What is the cheapest full coverage car insurance in Alabama? ›

Cheapest Car Insurance Rates in Alabama
Cheapest Car Insurance in Alabama (by Category)CompanyAverage Monthly Premium
Full CoverageTravelers$118
Young Drivers (16-year-olds)Country Financial$343*
Seniors (65-year-olds)Travelers$100*
After a Speeding TicketTravelers$150*
4 more rows
Aug 21, 2024

How much does it cost to get an insurance license in Alabama? ›

Licensing and Renewal Fees
Adjuster
Individuals:
TOTAL INITIAL LICENSE FEES$130
Biennial Renewal Fee$100
Late Fee$50
91 more rows

What is the grace period for car insurance in Alabama? ›

There shall be a provision that the insured is entitled to a grace period of four weeks within which the payment of any premiums after the first may be made; except, that in policies the premiums for which are payable monthly, the period of grace shall be one month, but not less than 30 days, and that during the period ...

What is the cheapest category for car insurance? ›

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

Is Allstate cheaper than Esurance? ›

Esurance typically offers cheaper car insurance quotes than Allstate. Average auto insurance rates at Esurance are $1,372 per year, or $144 per month, for full-coverage insurance , compared to Allstate's premiums of $1,892 per year, or $158 per month. Currently insured? It's free, simple and secure.

What is the least amount of car insurance you need? ›

The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person.

Who is most expensive car insurance? ›

According to our rate averages, the most expensive car insurance often comes from The Hanover Insurance Group. The company's average rates for both liability and full-coverage insurance can be more than 400% higher than the national average.

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