Best Auto Insurance in Alabama (2025)
Compare top-rated auto insurance companies in Alabama. Find affordable coverage that meets AL state requirements and save up to 40% on your premium.
$1,287
Avg. Annual Premium
25/50/25
Minimum Coverage
Birmingham
Largest City
5.0 million
Population
Alabama Auto Insurance Requirements
Alabama requires liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Alabama
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Alabama can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Alabama use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Alabama Auto Insurance FAQs
What is the minimum auto insurance required in Alabama?
Alabama requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). Alabama requires liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury.
How much does car insurance cost in Alabama?
The average annual car insurance premium in Alabama is $1,287. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Alabama?
Key factors affecting Alabama auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Birmingham typically pay more than those in rural areas.
How can I find cheap car insurance in Alabama?
To find affordable car insurance in Alabama: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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