Car Insurance for High-Risk Drivers in Alabama (2025)

Alabama insurance companies may consider drivers with one or more recent speeding tickets, at-fault accidents, or DUIs to be high-risk drivers. Insurers know these drivers are statistically more likely to file insurance claims, which is why high-risk drivers typically pay more for auto insurance.

On average, car insurance for high-risk drivers in Alabama costs $122 per month, and drivers with clean records pay a monthly average of only $98.

Even if insurance companies consider you a high-risk driver, you can still find affordable insurance. Here’s what you need to know about finding car insurance as a high-risk driver in Alabama.

Who is a high-risk driver in Alabama?

Insurance companies may consider you a high-risk driver if you have a poor credit history or a driving record with past incidents, such as speeding tickets, at-fault accidents, and DUIs.

Alabama state law uses a system of demerit points for traffic violations. For example, the state assigns six points for reckless driving, but only two points for failing to use a turn signal.

Any Alabama driver who receives 12 or more points in a two-year period will have their license suspended for a minimum of 60 days and a maximum of one year. The length of suspension depends on the number of points received in the two-year period.

If you have points on your license, insurers may consider you a high-risk driver, even if your point total doesn’t meet the Alabama license suspension threshold.

Best Alabama auto insurance companies for high-risk drivers

How much you pay for high-risk Alabama auto insurance can vary depending on the traffic violations on your driving record, your coverage needs, the insurance company, and more.2 The best way to find cheap car insurance for your specific situation is by comparing auto insurance quotes from multiple insurers.

Start your comparison shopping below with three of the best car insurance companies for high-risk drivers in Alabama: State Farm, USAA, and Auto-Owners.

State Farm: Best for affordable rates

USAA: Best for military members

Auto-Owners: Best for customizable policies

Cheapest car insurance in Alabama with an at-fault accident

If you have a recent at-fault accident on your record, Alabama insurers may consider you a high-risk driver and charge you higher rates. To find cheap car insurance rates after an at-fault accident, you should request quotes from several insurers.

Compare average quotes for liability and full-coverage insurance for Alabama drivers with a past at-fault accident in the table below.

Cheapest car insurance in Alabama with a DUI

Under Alabama state law, you may have your driver’s license suspended for a first DUI offense and revoked after a second offense.3 Insurers charge drivers with a recent DUI much higher premiums than drivers with clean records. A DUI is one of the most serious traffic violations a driver can receive a conviction for.

The companies below offer some of the cheapest rates to Alabama drivers with a DUI.

Cheapest auto insurance in Alabama with a speeding ticket

Alabama insurance companies charge drivers with speeding tickets more than drivers with clean records because speeding increases your chance of having an accident.4 But you can find cheaper car insurance rates after a ticket by comparing quotes.

The companies in the table below offer some of the lowest average rates after a speeding ticket.

How to find cheaper car insurance for high-risk drivers in Alabama

You can use the following strategies to lower your insurance rates as a high-risk driver:

• Check for discounts. Many auto insurance companies offer discounts. Often, you can save by bundling your coverage, using auto pay, having certain vehicle safety features, and completing a defensive driving course. Check what discounts you qualify for as you request quotes.

• Ask an insurance agent for expert advice. Independent insurance agents may help you identify cheap car insurance options if you feel like you don’t have a lot of companies to choose from.

• Increase your deductible. Your deductible amount directly affects your monthly car insurance rate. If you can afford a higher out-of-pocket payment after a claim, consider increasing your deductible to help you save money on your premiums.

• Choose a safer vehicle. Many insurance companies offer a discount for choosing a vehicle with certain safety features, like anti-theft devices, anti-lock brakes, or airbags.

• Shop around. Every insurance company uses a different calculation to determine your premiums, so comparing quotes from multiple insurance companies is one of the best strategies to help you find affordable coverage.

How to improve your driving record in Alabama

Improving your driving record can help you earn lower car insurance rates. The following strategies can help you earn a clean record: