Insurance companies consider Alabama drivers with a history of violations such as DUI to be high-risk and pay more than drivers with a clean record. Other major insurers typically known for having cheap rates, such as Geico and Progressive, were more expensive in Alabama than in other states, but you should search to find your best rates. MoneyGeek evaluated the top providers in Alabama to find the best car insurance based on affordability. The table above illustrates an estimate of what young drivers can expect to pay for car insurance in Alabama.
There are several factors that affect how much you'll pay for car insurance in Alabama, including your driving record, age, location, the amount of coverage you buy and the insurance company you buy it from. Car insurance is a major purchase, but finding cheap car insurance in Alabama isn't always easy. Disabled Alabama veterans who own a vehicle funded through the Veterans Administration are exempt from vehicle registration and tax, although insurance is still required. Alabama is an at-fault state, meaning that the driver responsible for the collision is also responsible for paying the resulting expenses, either through their auto insurance provider or out of pocket.
Your car insurance rate is likely to increase if you get a ticket for speeding or distracted driving. Visit NerdWallet's guide to car insurance requirements by state for more details on how your car policy's mandatory and optional coverages work. Many companies licensed to sell auto insurance in Alabama also offer discounts for buying two or more policies, such as for automobiles and homeowners, so that veterans and active members of the military can save even more by combining policies. Young drivers tend to have higher car insurance rates, as they are considered riskier to insure due to lack of experience.
In addition to USAA, the cheapest insurer in Alabama after an at-fault accident is State Farm, which only increased rates by 22% for a driver who caused a car accident.
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