Best Cheap Car Insurance in Alabama 2022

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Best Cheap Car Insurance in Alabama 2022. Alabama has about 4 million licensed drivers across its urban centers and rural communities. From Mobile Bay to Muscle Shoals, Alabamans need car insurance. If you’re one of them, this article is the guide to the cheapest car insurance in Alabama will provide you with the information you need.

A lot of different factors affect car insurance rates in the state of Alabama. Insurers look at the driver’s age, gender and driving record. They also consider if the policyholder’s address is in an urban or rural part of the state, as well as the type and age of the insured vehicle. We’ll take a look at these factors and how they affect the cost of auto insurance for Alabama residents. We’ll highlight rates for some of the largest auto insurance companies doing business in Alabama and why those premiums vary for different drivers in different areas in the state. Additionally, we’ll look at Alabama car insurance requirements and potential discounts.

Best Cheap Car Insurance in Alabama 2022

How Much Does Car Insurance Cost in Alabama?

According to usnews the average annual cost of car insurance in Alabama is $1,298, although there’s quite a range of rates on both sides of that average. The auto insurance companies in our study have average rates that range from $772 to $1,783.

The most expensive major auto insurance provider in Alabama is ALFA Insurance, with its average rate of $1,783. A driver with that rate is paying 37% more than the statewide average. These rates are based on study data, so the premium that you pay will vary.

The Cheapest Car Insurance Companies in 2022

Average Annual Rates:

Alabama Car Insurance Rates by Age

Company

25-year-old female

25-year-old male

35-year-old female

35-year-old male

60-year-old female

60-year-old male

Progressive

$1,809

$1,955

$1,377

$1,290

$1,042

$1,087

Travelers

$1,237

$1,296

$1,168

$1,224

$971

$1,025

Allstate

$1,467

$1,499

$1,309

$1,253

$1,184

$1,207

State Farm

$1,188

$1,361

$1,064

$1,064

$973

$973

Geico

$1,203

$1,202

$1,010

$1,073

$1,002

$1,103

USAA

$926

$997

$705

$714

$651

$641

Nationwide

$1,339

$1,437

$984

$1,024

$881

$958

ALFA Insurance

$1,802

$2,067

$1,802

$1,802

$1,613

$1,613

Farmers

$1,831

$1,974

$1,616

$1,621

$1,450

$1,561

Auto Owners Group

$1,885

$1,851

$1,424

$1,424

$1,323

$1,323

Average

$1,469

$1,564

$1,246

$1,249

$1,109

$1,149

 

As in most states, younger and generally less-experienced drivers pay more in Alabama than older drivers with more years on the road. That tends to be the case regardless of which insurance company they may choose. Across age demographic groups, men in Alabama generally pay a little bit more on average than women in the same age group, although that difference becomes less pronounced once drivers leave their 20s.

25-year-old drivers have the highest average rates from the major auto insurers doing business in Alabama. We found an average rate of $1,564 for single 25-year-old men and an average rate of $1,469 for single women of the same age. When drivers hit age 35, their rates come down on average, and the price gap between genders shrinks. Married 35-year-old women pay $1,246 on average for auto insurance in Alabama, while married men pay $1,249 on average at age 35. At age 60, rates are lower still, with married women paying $1,109 on average and married men paying $1,149.

Alabama Car Insurance Rates By Mileage

Company

6,000 miles

12,000 miles

Progressive

$1,427

$1,427

Travelers

$1,082

$1,153

Allstate

$1,320

$1,320

State Farm

$995

$1,104

Geico

$1,062

$1,099

USAA

$705

$772

Nationwide

$1,104

$1,104

ALFA Insurance

$1,468

$1,783

Farmers

$1,675

$1,675

Auto Owners Group

$1,539

$1,539

Average

$1,238

$1,298

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