Average Car Insurance Cost in Alabama (2025)

Drivers in Alabama pay an average of $132 per month for full-coverage auto insurance and $64 per month for liability-only coverage. That’s compared to the U.S. national average of $184 per month for full coverage and $104 for liability-only car insurance.

Car insurance in Alabama has become more expensive in the past few years. But average rates have risen across the U.S. in that time, too. While finding cheap car insurance in Alabama can be difficult, we’ll help you find the coverage you need for the best price.

How much is car insurance in Alabama?

Alabama drivers pay monthly average rates of $64 for state-minimum coverage and $132 for full coverage. That adds up to $772 annually for minimum-coverage policies and $1,581 for full coverage.

How much you pay for car insurance depends on various factors, like if you have speeding tickets on your record or you’re insuring an older car. No matter how much coverage you need, you can always use an auto insurance comparison tool to find the cheapest rates.

How Alabama car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Alabama rose to more than $1,700 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally and remain more expensive than in Alabama.

See how Alabama car insurance prices have changed over the past two years below.

Average Alabama car insurance rates by city

Car insurance companies consider your location when setting your rates. This is because some areas are riskier for drivers than others.1 Urban areas tend to have higher theft and accident rates, so you might find cheaper car insurance if you live in a more rural part of Alabama.

The table below lists the average auto insurance rates in cities across Alabama, according to Insurify data.

Average Alabama car insurance rates by age and gender

Your age and gender have a big effect on how much you pay for car insurance.2 Middle-aged women often have the cheapest car insurance rates in Alabama. Female drivers tend to get into fewer accidents than male drivers, and middle-aged drivers are typically more careful behind the wheel than young or senior drivers.

In 2022, male and female drivers in Alabama had similar car accident rates.3 But males made up 72% of drivers involved in fatal collisions, causing them to pay higher rates for insurance in the state.

The table below lists the average car insurance rates by age and gender in Alabama, according to Insurify data.

Average cost to insure popular vehicles in Alabama

The type of car you drive also influences your auto insurance rates — especially if you have collision and comprehensive coverage. Newer and expensive cars generally cost more to repair and replace, which can increase your rates. And cheaper cars often have fewer safety features, making them more costly to insure.4

The table below lists the average insurance rates for the most popular cars in Alabama, according to data from Insurify.

How your driving record affects car insurance rates in Alabama

Your driving habits are some of the most important factors affecting the cost of insurance. Drivers in Alabama with speeding tickets pay more for coverage because insurers consider them more likely to cause injuries and property damage.

If you cause an accident or get a DUI, your insurance rates can increase significantly. You may have a hard time finding coverage or face additional insurance requirements, like filing an SR-22.

The table below details how different driving infractions affect your insurance rates in Alabama, according to Insurify data.

How to lower your insurance costs in Alabama

You might be surprised by how easy it is to get cheaper car insurance in Alabama. Use the tips below to help you save money on your coverage: