Cheap Alabama Auto Insurance for 2024

When looking for cheap Alabama auto insurance, you need to know a bit about your state and the minimum requirements for auto insurance in Alabama. Understanding auto insurance in Alabama makes it easier to find coverage.

You want to be sure you have the best auto insurance in Alabama at the best price, but shopping around can be time-consuming. We can help. Below you will find everything you need to know to get the cheapest auto insurance in Alabama.

Before you read on, though, compare Alabama auto insurance rates right now. Enter your ZIP code above and our free tool will gather rates from top Alabama car insurance companies quickly.

Alabama Auto Insurance Laws

Alabama law requires that you carry a minimum amount of car insurance in order to be on the road.

In Alabama, the state liability coverage minimums are:

• Bodily Injury Coverage – $25,000 per person
• Bodily Injury Coverage – $50,000 per accident
• Property Damage Coverage – $25,000

Take a look at how Alabama’s average car insurance rates compare with surrounding states.

Optional Auto Insurance Coverage Options in Alabama

• Comprehensive auto insurance
• Collision auto insurance
• Medical payments coverage
• Uninsured motorist coverage

Alabama follows a tort system for auto insurance, so when an accident occurs, someone will always be put at fault. When you’re found to be at fault for an accident, your insurance company is responsible for paying for all of the damages associated with the accident. That’s why getting into accidents is usually followed by a spike in insurance rates.

Like all other states with a Tort system, you are required to buy a minimum amount of coverage for two separate areas: bodily injury liability insurance and property damage liability insurance. In Alabama, the liability limit for bodily injury is $25,000 per person with a maximum limit of $50,000 per accident.

This would cover any injuries that you or the other driver/passengers suffer as a result of your accident. Now, it’s not always recommended that you get only the minimum amount; this will be explained more later. The second liability auto insurance coverage you are required to purchase is for property damage.

The state of Alabama requires that you have at least $25,000 in coverage for property damage, which covers damages to the vehicle of the other driver if you are found to be at fault. As stated earlier, buying the minimum is not always the smartest thing to do.

You should always cpnsider the cost of repair to damages of the other vehicle in the event that it is totalled (think about the cost of replacing a luxury car) in order to get enough to cover all damages.

Another valuable type of coverage that you should consider purchasing in your insurance policy is uninsured/underinsured motorist coverage. This is personal coverage that will keep you insured in case the person who causes the accident is not insured to pay for the damages. Although this is not required by the state of Alabama, it is always an option that should be taken if you can afford to get more coverage.

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Alabama Auto Insurance Rates

Luckily for all Alabamian drivers, the auto insurance rates in Alabama are very inexpensive compared to other states.

The insurance premium for the state on average is about $1,300. Fortunately, the premiums for the major cities in Alabama are not much higher. In both Birmingham and Montgomery, the insurance rates still hover around $1,400, which is less than the national average of $1,439.14.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Best Auto Insurance Agents in Alabama

Our table below is a curated selection of the top auto insurance agents across the state of Alabama, renowned for their exceptional service, competitive rates, and comprehensive coverage options.

Alabama Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Alabama Driving Laws And Statistics

When looking to buy cheap auto insurance in Alabama, another important thing to consider is the frequency at which car accidents happen. In 2009, saw 123,690 car wrecks, with 27,667 resulting in injury and 774 resulting in a fatality. This number seems quite large, and it is, but it has constantly been decreasing since 2002 as a result of the increase in road regulation and safety of cars.

Statistically speaking, more accidents occur in urban areas but more fatalities occur in rural areas, so you should always drive as safely as possible when going down country roads at night.

Another thing to take note of is the amount of auto theft that occurs in the state. Insurance companies often charge extra if your vehicle is more likely to be stolen. In Alabama, the three most stolen vehicles are the 1994 Chevrolet Pickup, the 1994 Honda Accord, and the 2004 F150 Pickup.

As with car accidents, the amount of cars being stolen in Alabama has also decreased since 2002. In 2009 there were 11,081 thefts, averaging out to be 235.3 thefts per 100,00 cars. Car theft is still a very real issue so you should always take any preventive measures to make sure that your car is safe from any theft.

Whether you’ve lived in Alabama your whole life or you’re a new resident who needs auto insurance, it’s always a good thing to do the proper research before making any purchases. Take the time to shop around in order to make sure you have the best deal.

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Alabama Auto Insurance Agents

If you’re looking for a local agent, we’ve gathered a list for you below.

Alabama Auto Insurance Agents

• Cheap Alabama Auto Insurance for 2024
• Get Affordable Center Point, AL Auto Insurance Quotes (2024)

Additional Alabama Automobile Insurance Resources

These official sites will provide you with everything you need to know about car insurance in Alabama.

• Alabama Department of Insurance – Official government website
• Alabama Department of Insurance (Auto) – Consumer’s guide to auto insurance
• Mandatory Liability Insurance – Articles from the Alabama Department of Revenue
• Alabama Highway Safety Laws – From the GHSA

With a healthy mix of urban and rural areas, Alabama is often called the “Heart of Dixie.” Birmingham, Montgomery, Huntsville, and Mobile are some of the major cities in this state that “gave birth” to the Civil Rights movement. More recently, Alabama has begun to switch its main industries from agriculture and farming to manufacturing and technology.

As Alabama moves into the 21st century, it has been focusing on modern transportation. The state itself has five major interstate roads that run through it as well as several U.S. Highways and toll roads. This makes it all the more important for new drivers in Alabama to have proper insurance before hopping on the road.

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