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Cheapest Car Insurance Rates In Alabama (2018)

You’ve probably seen more than one company advertising cheap auto insurance in Alabama. With so many providers vying for your business and promising the lowest rates, the process of finding the best deal can seem overwhelming.

To speed up your search, our team compared the rates of nine top insurance providers in AL to find the best quotes for these four driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$117/month estimate

$145/month estimate

If you’ve never caused a crash, you should certainly see that fact reflected in your car insurance premiums. Insurance companies charge low-risk drivers less for coverage since they’re statistically less likely to file a claim.

Our study found that Allstate offers the best cheap auto insurance in Alabama for drivers with a spotless accident history. If you were involved in a recent crash, try comparing car insurance quotes every few months to find out if you could save by switching to a different provider.

Best Rates For Teen Drivers

$186/month estimate

$229/month estimate

Insurance quotes for teen drivers are typically higher than those for adults because the latter tend to have more experience behind the wheel. Fortunately, some insurance companies offer low rates to young drivers who have a clean driving record. In our study, we evaluated the cost of insurance for an 18 year old and found that Allstate is the best choice for cheap auto insurance for teenagers in Alabama who need the minimum car insurance required by law.

Best Rates For Drivers With A DUI

$169/month estimate

$170/month estimate

You probably know that drinking and driving don’t mix, but all it takes is one drink too many to lead to DUI charges. If you were convicted of DUI, it is likely that your insurance premiums have increased. Some insurers are trying to boost their policyholder count by being lenient on drivers who were convicted of DUI. In our study, Allstate was found to offer the lowest rates, closely followed by State Farm.

Best Rates For Senior Drivers

$/month estimate

$109/month estimate

Seniors tend to drive less than younger motorists. In our study, we compared rates for male and female drivers age 65 who traveled one-third the annual mileage as our 29-year-old driver. The senior driver in our study was also a homeowner.

STUDY METHODOLOGY

The “DUI” and “No Recent Accidents” segments of our study involved a 29-year-old driver with a 2014 Toyota Corolla who traveled 12,000 miles per year. We averaged the insurance rates for males and females from five zip codes in Alabama. The teen driver in our study was purchasing the state’s minimum liability coverage, but all other driver categories were purchasing coverage for 50/100/25 liability and 50/100/25 uninsured motorist coverage.

What Are The Minimum Car Insurance Requirements For Drivers In Alabama?

In the state of Alabama, the minimum required coverage is as follows:

  • Bodily Injury Liability Per Person: $25,000
  • Bodily Injury Liability Per Accident: $50,000
  • Property Damage Liability: $25,000

 

cheapest car insurance in alabama

Still have questions about car insurance? Visit our blog for helpful FAQs.

 

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