Updated January 7th, 2021
Depending on your age and location, Alabama’s cheapest auto insurance is with National General, Accc, and Progressive.
Each carrier can offer quotes from 24 to 32% lower than the average rate for Alabama drivers.
Other competitive carriers are USAA and GEICO.
Both can offer quotes from 18 to 26% lower than the median rate for similar age drivers.
Competitive regional companies in Alabama are Alfa, American Century Casualty Company or Accc, and Infinity Auto.
Each can provide quotes from 18 to 28% lower than the average rate for drivers of similar age and profile.
This article will cover the minimum car insurance requirements, the least expensive carriers, and cost-saving strategies.
If you would like to skip to a certain portion of the article, please use the table contents down a little and to the right.
Note: A 25-year-old driver in Alabama can find the lowest rates with National General, Progressive, and State Farm. I queried each at $1,089, $1,121, and $1,156 respectfully per year. Which is approximately 18% to 23% lower than similar age drivers. For more information, see the rate table below.
Minimum Car Insurance Requirements in Alabama
Alabama has minimum car insurance limits to help citizens and drivers financially in the unlikely event of an accident.
How much does auto insurance cost in Alabama?
The average cost for liability only is $49 to $75 per month.
Depending on your age and type of vehicle, the cost for a full coverage premium will be $84 to $132 per month.
| Coverage | Alabama Minimum Liability Coverage | Recommended Coverage |
|---|---|---|
| Bodily Injury Protection | $25,000 / $50,000 | $100,000 / $300,000 |
| Property Damage | $25,000 | $25,000 |
| Uninsured Motorist Coverage BIL* | $25,000 / $50,000 | $25,000 / $50,000 |
| Comprehensive Coverage | Optional | $250 - $1,000 deductible |
| Collision Coverage | Optional | $250 - $1,000 deductible |
*This coverage can be rejected.
Bodily Injury Liability
The first number represents the maximum amount an insurance company will pay before the at-fault party is responsible for the other driver’s medical bills.
The minimum coverage you are required to have in the state of Alabama is $25,000.
The second number is the maximum an insurance company will pay for all injured parties in the other automobile.
In Alabama, the minimum amount is $50,000.
Note: A 30-year-old driver can get the least expensive options with National General, Progressive, and State Farm. I queried each at $843, $845, and $876 per year. Or approximately 19% cheaper than the average policyholder’s premium.
Property Damage Liability
The third number is the minimum requirement for property damage liability.
Property damage liability covers damage caused to other automobiles, road signs, or buildings.
In Alabama, you are required to have a minimum protection of $25,000.
The minimum requirement is listed as 25/50/25 in thousands.
While these are the minimum requirements, they are not the maximum coverage you are allowed to obtain.
In an accident, the party responsible will be held accountable for any monetary damages above the amount set in their policy.
Note: For a 35-year-old driver, all insurers clustered within $100 for a yearly premium. The cheapest is the National General, with a quote at $746. Other competitive carriers are Progressive, State Farm, and American Century Casualty Company or Accc.
Who Has the Cheapest Car Insurance in Alabama?
The table below lists 20 companies with the cheapest car insurance rates for drivers from 25 to 55.
Depending on your location, the least expensive insurers in Alabama are National General, USAA, and Progressive.
Each insurer can offer quotes from 24 to 32% lower than the “mean” quote for similar profile drivers.
In large metro areas, the savings can be as much as 40%.
Equally competitive in many Alabama regions are Alfa and American Century Casualty Company, commonly referred to as Accc.
Both Alfa Insurance and Accc can consistently offer quotes from 18 to 26% lower than the median quote for similar age drivers.
If you are military or former military, your cheapest options are probably going to be with USAA.
Another carrier in Alabama you should put on your bucket list of quotes is Infinity Auto.
They can offer quotes nearly 20% lower than the “mean” rate for many regions.
With the list, you have a blend of regional and national insurers to help you find the lowest monthly premium.
| Alabama Company | Average Rate for 25 Y/O Driver | 30 Y/O | 35 Y/O | 40 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|---|---|---|
| National General | $1,089 | $843 | $746 | $623 | $600 | $551 |
| Progressive | $1,121 | $845 | $756 | $645 | $609 | $511 |
| State Farm | $1,156 | $876 | $789 | $678 | $623 | $523 |
| USAA | $1,148 | $903 | $800 | $688 | $609 | $554 |
| Alfa | $1,149 | $921 | $799 | $701 | $618 | $553 |
| GEICO | $1,145 | $933 | $803 | $690 | $647 | $556 |
| ACCC | $1,167 | $979 | $843 | $734 | $608 | $558 |
| MetLife | $1,190 | $1,004 | $843 | $721 | $700 | $675 |
| Amica | $1,200 | $1,049 | $854 | $743 | $700 | $558 |
| Nationwide | $1,232 | $1,111 | $879 | $789 | $711 | $590 |
| Infinity | $1,254 | $1,123 | $909 | $800 | $721 | $595 |
| 21st Century | $1,287 | $1,176 | $913 | $801 | $705 | $600 |
| Allstate | $1,289 | $1,188 | $943 | $785 | $706 | $643 |
| Esurance | $1,300 | $1,190 | $956 | $789 | $709 | $658 |
| Integon National | $1,311 | $1,243 | $990 | $805 | $743 | $634 |
| Guideone Speciality | $1,326 | $1,256 | $1,000 | $865 | $765 | $689 |
| Integon General | $1,376 | $1,276 | $1,009 | $876 | $777 | $699 |
| Farmers | $1,421 | $1,289 | $1,046 | $832 | $778 | $694 |
| Standard Fire | $1,532 | $1,293 | $1,090 | $843 | $793 | $711 |
| Liberty Mutual | $1,634 | $1,300 | $1,147 | $909 | $799 | $699 |
| Ameriprise | $1,723 | $1,306 | $1,189 | $932 | $800 | $701 |
*Integon National and General are National General Insurance.
Note: A 40-year-old driver can find cheap car insurance quotes with National General, Progressive, and State Farm. I queried each at $623, $645, and $678 respectfully per year for full coverage. Both Alfa and Accc are competitive with quotes at $701 and $734, respectfully. All carriers are at least 17% lower than the median rate for similar profile drivers.
Uninsured Motorist Protection & Additional Coverage
Alabama is not a “no-fault” state, which means the driver does not have to carry Personal Injury Protection or PIP.
Other optional coverages are collision, comprehensive, and uninsured motorist protection.
Though Alabama does not require uninsured motorist protection, it is recommended to have it to compensate for drivers in the event of an accident, and they fail to carry sufficient coverage.
Note: For a 45-year-old driver, the lowest prices are National General, Progressive, and Accc. All five insurers offered quotes within $50. I would recommend getting quotes from all five to find the most savings while getting optimum coverage.
Best Insurance Companies by Premiums, Ratings, & Complaints
The table below shows the best insurers by ratings, complaints, and rate change over 12 to 18 months.
The rate change is over 8% for a few companies, such as Travelers.
Otherwise, the rate change for most companies is from 2 to 4%.
If you get a traffic violation, your premium can skyrocket 20% or more.
Included is the number of complaints and written premiums.
If a company has a high amount of complaints but low written premiums, this should raise the flag.
This is not the case for any insurers below.
I wasn’t able to get full data on Alfa Insurance and Accc.
Alfa has reputable ratings and decent claims service.
Accc does, for the most part, though there have been reports of poor claim service.
Included is the consumer rating of each insurer.
The consumer rating data is compiled from reputable online sources to get an average.
Any other data is from JD Power & Associates, AM Best, and the Insurance Information Institute or III.org.
| Alabama Company | Premiums | # of Complaints | Rate Change | Rating out of 5 Stars |
|---|---|---|---|---|
| National General | $290,183,000 | 6 | +5.4% | 4.4 |
| Progressive | $171,360,000 | 3 | +6.4% | 4.6 |
| State Farm | $604,955,000 | 11 | +3.1% | 4.2 |
| USAA | $151,411,000 | 9 | +3.3% | 4.7 |
| GEICO | $228,534,000 | 21 | +1.9% | 4.7 |
| Liberty Mutual | $62,525,000 | 14 | +2.1% | 4.6 |
| MetLife | $85,110,000 | 6 | +3.7% | 4.2 |
| Amica | $73,122,000 | 6 | +4.0% | 3.9 |
| Nationwide | $97,039,000 | 7 | +8.4% | 4.3 |
| Travelers | $55,880,000 | 9 | +8.1% | 4.3 |
| 21st Century | $42,750,000 | 5 | +6.2% | 4.1 |
| Allstate | $270,293,000 | 7 | +5.2% | 4.5 |
Note: A 55-year-old driver with clean driving history should find low rates with Progressive and State Farm. I queried each at $511 and $523 respectfully per year for full coverage, which is over 30% lower than the average premium for similar age drivers in Alabama.
Average Premium by City
Below is a list of 24 cities in Alabama with the median price of an auto insurance premium.
The quotes varied from $1,143 to $1,489, depending on location.
Location is a primary determining factor for insurers.
You may see a variance of 20% or more from one city to the next.
If you decide to move, you may see either a spike in price or a decrease.
This shouldn’t alarm you.
If you see a price increase, call the insurer and ask about it if you have moved recently.
Typically, if you move to a more populous city, you will see an increase in your rates.
For a more detailed comparison of the carriers in major Alabama cities, please read further below.
| City | Rate | City | Rate | City | Rate |
|---|---|---|---|---|---|
| Alabaster | $1,376 | Daphne | $1,366 | Jasper | $1,312 |
| Albertville | $1,284 | Dothan | $1,329 | LaFayette | $1,144 |
| Anniston | $1,190 | Dozier | $1,237 | Madison | $1,190 |
| Athens | $1,311 | Enterprise | $1,462 | Montevallo | $1,301 |
| Bessemer | $1,476 | Florence | $1,487 | Moulton | $1,374 |
| Brantley | $1,481 | Harpersville | $1,296 | Opelika | $1,399 |
| Bridgeport | $1,489 | Hartselle | $1,187 | Prattville | $1,412 |
| Center Point | $1,201 | Helena | $1,296 | Selma | $1,415 |
Birmingham, AL
Who has the cheapest car insurance in Birmingham?
With National General, Progressive, and Infinity Auto, you could save over 40% per year.
I queried each at $734, $744, and $765 respectfully per year for a 30-year-old driver.
While the average premium is nearly $1,200 per year.
A 45-year-old driver could find rates as low as $600 per year.
The insurers clustered between $600 and $750 per year.
The least costly carriers are National General, Progressive, and Infinity.
I queried each at $600, $609, and $623 per year for full coverage.
Which is over 34% lower than the median rate for drivers in Birmingham.
| Birmingham Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| National General | $734 | $600 |
| Progressive | $744 | $609 |
| Infinity | $765 | $623 |
| State Farm | $812 | $667 |
| USAA | $857 | $709 |
| GEICO | $921 | $732 |
Decatur, AL
Who has an affordable premium in Decatur?
I queried National General at $678 for a 30-year-old driver.
Progressive is $789, and Infinity is $812 for the same driver with a similar profile.
All three insurers at least 27% cheaper than direct competitors.
With all three insurers in my analysis for Decatur, the average rate is $822.
If you get insured for less than $700, you have 32% in savings.
For a city with over 55,000 residents and a metropolitan population of over 150,000, the quotes for a 30-year-old driver are low.
A 45-year-old driver should start with Progressive, Infinity, and National General to maximize savings.
I queried each at $611, $622, and $643 per year for full coverage.
Which is at least 31% lower than the “median” quote for drivers in Decatur.
| Decatur Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $678 | $611 |
| National General | $789 | $622 |
| Infinity | $812 | $643 |
| State Farm | $876 | $723 |
| USAA | $900 | $746 |
| GEICO | $912 | $803 |
Montgomery, AL
Who has the lowest quotes in Montgomery?
For Montgomery’s cheapest rates, I suggest getting quotes from Progressive, National General, and Infinity.
I queried each at $678, $708, and $745 per year for a 30-year-old driver.
Which is nearly 35% lower than the average Montgomery rate of $1,300.
Each of the companies illustrated is more than 22% below the city average.
For a 45-year-old driver, the lowest rates can be found with National General, Progressive, and Infinity.
I queried each at $590, $592, and $643 per year for full coverage.
Which is 29 to 33% lower than the “mean” quote for similar profile drivers.
| Montgomery Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| National General | $678 | $590 |
| Progressive | $708 | $592 |
| Infinity | $745 | $643 |
| GEICO | $821 | $700 |
| State Farm | $845 | $708 |
| ACCC | $890 | $732 |
Mobile, AL
Who has the best coverage in Mobile?
The city of Mobile has the highest car insurance rates in the state.
If you are looking for a lower rate, I suggest starting with Progressive, National General, and Accc.
I queried each at $767, $802, and $854 per year for a 30-year-old driver.
Or approximately 27% lower than the median premium for drivers of similar age.
Integon General and GEICO offer rates around $900.
Making both carriers competitive and worthy of getting quotes from.
With the city average rate of over $1,400 per year, all insurance firms illustrated are more than 23% below the city average.
A 45-year-old driver would do well by getting car insurance quotes from Progressive, National General, and Accc.
I queried each at $687, $689, and $709 respectfully for full coverage.
| Mobile Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $767 | $687 |
| National General | $802 | $689 |
| ACCC | $854 | $709 |
| Integon General | $889 | $754 |
| GEICO | $945 | $776 |
| State Farm | $955 | $821 |
Huntsville, AL
Which companies offer the lowest rate in Huntsville?
If you want to get the cheapest premium in Huntsville, start with National General, Progressive, and Accc.
I queried each at $643, $688, and $756 per year for a 30-year-old driver.
Which is over 40% lower than the average premium of $1,300.
Other carriers to put on your list of quotes are GEICO and State Farm.
Both insurers offer competitive prices with quotes at $703 and $789, respectfully.
A 45-year-old driver should be able to get an auto insurance premium for less than $600.
The most competitive are National General, Progressive, and Accc.
I queried each at $578, $599, and $609 for a full coverage premium.
Which is over 34% lower than the median quote for similar profile drivers.
| Huntsville Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| National General | $643 | $578 |
| Progressive | $688 | $599 |
| GEICO | $703 | $609 |
| ACCC | $756 | $614 |
| State Farm | $789 | $675 |
| Integon General | $843 | $705 |
Auburn
Who has the cheapest car insurance in Auburn?
Start by getting quotes from Alfa, Accc, and National General.
I queried each at $670, $723, and $787 per year for a 30-year-old driver in Auburn.
Which 23 to 30% lower than the average quote for similar age drivers.
Other companies that are competitive in Auburn are Progressive and State Farm.
I queried both at $807 and $832 per year.
A 45-year old can find the best options with Alfa, Accc, and National General.
I queried each at $557, $612, and $622 respectfully per year for full coverage.
Or approximately 22 to 27% lower than the median quote for similar profile drivers.
| Auburn Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Alfa | $670 | $557 |
| ACCC | $723 | $612 |
| National General | $787 | $622 |
| Progressive | $807 | $645 |
| State Farm | $832 | $680 |
| Integon (National) General | $864 | $703 |
Tuscaloosa
Which companies have cheap auto insurance in Tuscaloosa?
If you are in Tuscaloosa’s auto insurance market, start by getting quotes from Accc, Alfa, and Progressive.
I queried each at $698, $721, and $743 per year for a 30-year-old driver.
Which is 22 to 27% lower than the “mean” quote for similar profile drivers in Tuscaloosa.
Both National General and State Farm offer quotes nearly 10% higher, with prices at $812 and $843.
A 45-year old can get the cheapest premiums with Accc, Alfa, and Progressive.
I queried each at $514, $535, and $589 respectfully per year for full coverage.
Or approximately 24 to 31% lower than the median rate for similar age drivers.
National General offers substantially higher prices with a quote at $612 per year.
Which is nearly 14% higher than the cheapest company or Accc.
| Tuscaloosa Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| ACCC | $698 | $514 |
| Alfa | $721 | $535 |
| Progressive | $743 | $589 |
| National General | $812 | $612 |
| State Farm | $843 | $665 |
| GEICO | $886 | $700 |
Dothan
If you can’t get the cheapest auto insurance in Dothan, you will probably get quotes from the wrong company.
Start with Alfa, Accc, and National General.
I queried each at $674, $699, and $732 per year for a 30-year-old driver.
Which is 24 to 28% lower than the average policyholder in Dothan.
Progressive and State Farm offer competitive prices with quotes at $776 and $853 respectfully.
A 45-year old can find the lowest options with Alfa, Accc, and National General.
I queried each at $522, $543, and $568 respectfully per year for full coverage.
Which is nearly 30% lower than the median quote for similar profile drivers in Dothan.
| Dothan Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Alfa | $674 | $522 |
| ACCC | $699 | $543 |
| National General | $732 | $568 |
| Progressive | $776 | $601 |
| GEICO | $811 | $613 |
| State Farm | $853 | $642 |
Resources & DMV Information
| Department of Insurance | Department of Transportation | Department of Motor Vehicles |
|---|---|---|
| 201 Monroe St # 1700, Montgomery, AL 36104 (800) 701-5909 | 1020 Bankhead Hwy W, Birmingham, AL 35204 (205) 328-5820 | 50 N Ripley St, Montgomery, AL 36104 (334) 242-9000 |
| Website | Website | Website |
Sources
https://drivewiththeeagle.com/
https://www.alfainsurance.com/
https://www.iii.org/alabama-firm-foundation
http://www.aldoi.gov/Consumers/
https://auto.nationalgeneral.com/
