Alabama Car Insurance Quotes & Average Rates
Full coverage car insurance in Alabama is estimated at $1,970 a year, or $164 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $673 a year. Alabama is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 43 Alabama cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Alabama
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Alabama
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,497 | $125 | -24% | Military members and families only |
| Geico | $1,615 | $135 | -18% | Usually cheapest for clean records |
| State Farm | $1,734 | $145 | -12% | Strong for young and student drivers |
| Progressive | $1,872 | $156 | -5% | Competitive after a ticket or accident |
| Travelers | $1,911 | $159 | -3% | Good multi-policy discounts |
| Nationwide | $1,970 | $164 | 0% | Mid-market, wide availability |
| Allstate | $2,246 | $187 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,384 | $199 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Alabama. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Alabama car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,322 | $1,817 | $444 |
| 18 years old | $4,489 | $1,533 | $374 |
| 20 years old | $3,717 | $1,269 | $310 |
| 22 years old | $3,088 | $1,054 | $257 |
| 25 years old | $2,356 | $805 | $196 |
| 30 years old | $2,031 | $694 | $169 |
| 40 years old | $1,909 | $652 | $159 |
| 50 years old | $1,828 | $624 | $152 |
| 60 years old | $1,808 | $617 | $151 |
| 65 years old | $1,889 | $645 | $157 |
| 70 years old | $2,072 | $708 | $173 |
| 75 years old | $2,417 | $825 | $201 |
Estimated premiums by age in Alabama, clean record, sedan.
How violations change your Alabama premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,970 | — |
| 1 speeding ticket | $2,424 | +23% |
| 1 at-fault accident | $2,897 | +47% |
| DUI / DWI | $3,724 | +89% |
What a violation costs a 35-year-old in Alabama. Surcharges normally stay on the policy for three to five years.
A DUI in Alabama usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Alabama minimum insurance requirements
| Required coverage in Alabama | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Alabama Department of Insurance before you buy.
Coverage levels in Alabama
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $673 | $56 |
| Full coverage (100/300/100 + comp & collision) | $1,970 | $164 |
| Full coverage, high limits + low deductible | $2,345 | $195 |
Coverage level comparison for Alabama.
Car insurance rates in Alabama cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 43 Alabama cities we price.