Depending on your age and location, the cheapest auto insurance in Alabama is with National General, State Farm, and Progressive.
Each carrier can offer quotes from 24% to 32% lower than the average rate for drivers in Alabama.
Other carriers which are competitive 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 are able to provide quotes from 18% to 28% lower than the average rate for drivers of similar age and profile.
In this article I am going to 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 rate table below.
Minimum Car Insurance Requirements in Alabama
Table of Contents
Alabama has minimum car insurance limits to help citizens and drivers financially in the unlikely event of an accident.
| 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 the event of an accident, the party responsible will be held accountable for any monetary damages above the amounts set in their policy.
Note: For a 35-year-old driver all insurers clustered within $100 for a yearly premium. The cheapest is National General with a quote at $746. Other competitive carriers are Progressive, State Farm, and American Century Casualty Company or Accc.
Cheapest Car Insurance Companies in Alabama
The table below lists 20 companies with the cheapest car insurance rates for drivers from 25 to 55 years of age.
Depending on your location, the least expensive insurers are National General, State Farm, and Progressive.
Each carrier can offer quotes from 24% to 32% lower than the “mean” quote for similar profile drivers.
In large metro areas the savings can be over 40%.
Equally competitive in many regions of Alabama are Alfa and American Century Casualty Company or commonly referred to as Accc.
Both Alfa Insurance and Accc are able to 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 coverage 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 of 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 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 < 18 Months | 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 be able to 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, etc you may see either a spike in price or a decrease.
This shouldn’t alarm you.
If you see price increase then call the insurer and ask about it if you have moved recently.
Typically, if you move to a more populous city you are going to see an increase in your rates.
For a more detailed comparison of the carriers in major Alabama cities, please read further below.
| City | Average Rate | Population | City | Average Rate | Population | City | Average Rate | Population |
|---|---|---|---|---|---|---|---|---|
| Alabaster | $1,376 | 30,352 | Daphne | $1,366 | 21,570 | Jasper | $1,321 | 13,618 |
| Albertville | $1,284 | 21,160 | Dothan | $1,329 | 65,496 | LaFayette | $1,311 | 2,968 |
| Anniston | $1,190 | 23,106 | Dozier | $1,237 | 331 | Madison | $1,261 | 42,938 |
| Athens | $1,311 | 21,897 | Enterprise | $1,462 | 26,562 | Montevallo | $1,409 | 6,723 |
| Auburn | $1,476 | 53,380 | Florence | $1,487 | 39,319 | Moulton | $1,398 | 3,343 |
| Bessemer | $1,481 | 27,456 | Glencoe | $1,296 | 5,160 | Opelika | $1,143 | 26,477 |
| Boaz | $1,489 | 9,710 | Hartselle | $1,187 | 14,255 | Prattville | $1,276 | 33,960 |
| Center Point | $1,201 | 16,921 | Helena | $1,296 | 18,673 | Selma | $1,290 | 20,756 |
Birmingham, AL
Birmingham residents can find cheaper car insurance by comparing any of the insurers illustrated in the table or chart.
The average rate for Birmingham is a whopping $1,400 per year.
With Infinity, Progressive, or National General you could save 47% per year.
I queried each at $765, $744, and $734 respectfully per year for a 30-year-old driver.
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 |
Seldom do all these occur close together in large quantities, as they do in Birmingham.
Birmingham has since diversified into industries such as finance, health care, and the beginnings of biotech.
Decatur, AL
The average insurance rate in Decatur is over $1,300 per year.
With National General you may be able to save 46%.
With Progressive and Infinity you could save 39% and with State Farm and GEICO it is approximately 27%.
With all five of the insurers in my analysis for Decatur the average rate is $822 which is 32% lower.
For a city with over 55,000 residents and a metropolitan population 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 “mean” 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 |
It was originally named Rhodes Ferry Landing after Dr. Rhodes who operated a ferry along the river.
Decatur is full of history with quaint boutique shops and beautiful landscapes.
Montgomery, AL
For the cheapest rates in Montgomery 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 are 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 |
Montgomery is the 2nd largest city in Alabama with approximately 205,000 residents and nearly 400,000 in the metropolitan area.
It was incorporated in 1819 with the merger of two towns along the Alabama River.
Montgomery became the state capital in 1846.
Mobile, AL
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 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 |
Mobile also retains the distinction of being the original home of the Mardi Gras in the USA.
Today, it is the 3rd most populous city with approximately 195,000 residents.
Huntsville, AL
If you want to get the cheapest premium in Huntsville start with National General, Progressive, and GEICO.
I queried each at $643, $688, an $703 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 Accc and State Farm.
Both insurers offer competitive prices with quotes at $756 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 “mean” 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 |
Technology, space, and defense industries have a major presence in Huntsville.
Home to several Fortune 500 companies and beautiful historic districts, Huntsville also offers a broad base of manufacturing, retail and service industries.
Auburn
To find the cheapest car insurance in Auburn, start with Alfa, Accc, and National General.
I queried each at $670, $723, and $787 per year for a 30-year-old driver.
Which 23% to 30% lower than the “mean” quote for similar age drivers.
Other companies which are competitive in Auburn are Progressive and State Farm.
Both queried 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.
Integon General is a subsidiary of National General.
| 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 |
Auburn is a historic collage town and home to Auburn University.
It is the largest city in Eastern Alabama with nearly 65,000 residents.
With over 150,000 in the metropolitan area.
Auburn was incorporated as city in 1839 with a couple hundred residents.
Today, it is one of the fastest growing metro regions in the United States.
Tuscaloosa
Drivers in Tuscaloosa can find cheap auto insurance with 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 respectfully.
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 |
Tuscaloosa was incorporated as city in 1819 with a few hundred residents.
The city has become national recognized for the football success of the University of Alabama.
Today, it is the 5th largest city in the state with over 100,000 residents.
Dothan
If you can’t get the cheapest auto insurance in Dothan you are probably getting 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 |
Dothan was incorporated as city in 1885 by a vote with less than 100 residents.
Today, there are nearly 70,000 residents and 145,000 in the metropolitan area.
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/
