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The last thing an Alabama driver wants or needs is to be pulled over without proper auto insurance, particularly if they're involved in an accident. To drive legally in the state, Alabamans must be insured with at least minimum coverage. Whether a driver is on a tight budget or rolling in the dough, it's good to know where they can find the cheapest car insurance in Alabama.
When it comes to cheap Alabama auto insurance, Geico is the clear winner for the typical driver with a clean driving record. Geico offers an average annual premium rate of $1,110 (less than $100 per month).
Here are a few other companies offering cheap auto insurance in Alabama:
One of the ways insurance companies attempt to honor military members and veterans is to offer them low-cost car insurance. In some cases, the rate is considerably lower than the quotes offered to civilians. The lowest premiums are courtesy of Geico, with an average annual rate of $1,017
Other companies offering members of the military affordable car insurance in Alabama are:
Even the best car insurance companies in Alabama charge more to insure teens and young drivers. Simply put, teens are not statistically the safest drivers on the road. When it comes to the cheapest rates for teens, Country Preferred is the winner, with an average annual rate of $2,345
Even though they're more expensive than Country Preferred, these three carriers still beat the rest of the pack:
There are a number of benefits associated with being an older, wiser driver. In fact, seniors can frequently snag a decent low-cost insurance rate due to their decades of driving experience. One of the best insurance companies for cheap premiums for seniors is Geico, with an average rate of $976.
Other contenders for the cheapest car insurance in Alabama for senior drivers include:
Alabama requires drivers to carry at least minimum coverage. The reason is clear: to provide the most basic protection. For the driver with minimum coverage, it's a matter of being covered in the event of physical injury. And if a driver with minimum coverage hits another car on the road, it helps cover the cost of physical injuries, death, and damage to the other driver's car. The best car insurance in Alabama for cheap minimum coverage is Cincinnati Insurance Co. with an average annual rate of $327.
Other contenders for cheap Alabama minimum car insurance are:
The average rate for Alabama auto insurance is $2,482, approximately 6% less than the national average.
|Average Rate Category||Alabama||National Average|
|1 accident on driving record||$2,774||$3,092|
|1 speeding ticket on driving record||$2,412||$2,766|
Alabama car insurance laws are quite clear, and anyone who chooses to drive in Alabama without insurance can find themselves in serious legal peril. For example, penalties for a first offense can include:
Drivers caught behind the wheel a second (or subsequent) time without insurance coverage may face:
Alabama minimum car insurance must include:
When seeking cheap car insurance in Alabama it helps to know how to keep quotes low. Here are a few ideas:
It's tough to imagine that anyone sets out to damage their driving record, but if drivers realized how much car insurance is in Alabama following an accident or speeding ticket they would probably be mindful of keeping their driving record clean. One of the easiest ways a driver can receive low car insurance quotes in Alabama is to prove that they are a careful driver.
Studies show that drivers with high credit scores tend to make fewer insurance claims, which helps explain why insurers check a driver's credit score before offering a quote. A driver who keeps their credit score high can keep their insurance rates low.
Alabama auto insurance companies offer a wide range of discounts on car insurance. Here are some of the most popular:
Alabama drivers must carry proof of insurance in either physical or electronic form. If they're pulled over and refuse to provide proof of insurance, they can be charged with a Class C misdemeanor. There are no first-time exceptions to not having coverage. In other words, they're serious about their auto insurance in Alabama and drivers should be prepared.
While it would be unusual to run across someone who enjoys paying for car insurance, it's there for the protection of the driver, the inhabitants of their car, and other drivers on the road. Paying for coverage -- even if it's just minimum coverage -- is far less expensive than the legal penalties of driving without insurance or worse yet, being in an accident while uninsured. Shopping the best car insurance companies can help a driver land the most comprehensive coverage they can afford.
And finally, always be sure to compare car insurance rates from multiple companies.
RELATED: Need homeowners insurance? Check out The Ascent's guide to the best cheap Alabama homeowners insurance.
Our Insurance Expert
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. The Motley Fool has a Disclosure Policy. The Author and/or The Motley Fool may have an interest in companies mentioned.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
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