Average Car Insurance Cost in Alabama (2025)
Drivers in Alabama pay an average of $98 per month for car insurance.
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Drivers in Alabama pay an average of $131 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 $182 per month for full coverage and $103 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.
Quick Facts
National General, Direct Auto, and USAA offer the cheapest car insurance in Alabama.
Alabama drivers with DUIs pay 46% more for car insurance than drivers with a clean record.
Female drivers in Alabama pay an average of $96 per month for car insurance, while male drivers pay $100.
How much is car insurance in Alabama?
Alabama drivers pay monthly average rates of $64 for state-minimum coverage and $131 for full coverage. That adds up to $772 annually for minimum-coverage policies and $1,570 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
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To find car insurance rates in Alabama and the U.S. over the last two years, download our data here.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurers can use your credit history to determine how safe of a driver you are. Drivers with good credit generally get cheaper car insurance in Alabama than drivers with poor credit. Some U.S. states have banned insurers from using your credit history, but Alabama still allows it.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Alabama average car insurance cost FAQs
If you’re still unsure about insurance rates or coverage requirements in Alabama, we can help. Below, we’ve answered some common questions about auto insurance in Alabama.
Drivers in Alabama pay an average of $772 annually for state-minimum coverage and $1,570 for full coverage. That’s compared to the U.S. national average of $1,235 for minimum coverage and $2,188 for full coverage.
National General, Direct Auto, and USAA are some of Alabama’s cheapest car insurance companies. But they may not be the most affordable options for your situation, so you should compare quotes from multiple insurers to find the best price.
Alabama drivers pay an average of $64 monthly for state-minimum coverage and $131 for full coverage. That’s usually less than the U.S. national average of $103 for minimum coverage and $103 for full coverage.
State Farm, Direct Auto, and COUNTRY Financial are some of Alabama’s top auto insurers. They offer affordable insurance and good customer service, whether you need a liability-only or full-coverage policy.
Alabama requires drivers to purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 in property damage liability coverage.7 That’s similar to the minimum insurance requirements in many U.S. states.
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