GEICO has the cheapest average fare in Alabama. But the actual costs of auto insurance depend on several factors, including age, coverage amounts, credit score, and driving history. For example, GEICO offers the cheapest rate for drivers with bad credit and those who want more coverage, but Allstate is the cheapest option for drivers with at-fault accidents. USAA is the best option for military families, as it offers the cheapest rates.
While GEICO ranks as the second cheapest total coverage provider for drivers with a clean record, Allstate often offers better rates for DUI drivers. MoneyGeek's analysis shows that in Alabama, the cheapest car insurance for young drivers aged 16 to 25 is GEICO. Geico and Country have the cheapest car insurance in Alabama for young drivers, among the companies we looked at. The USAA also offers competitive rates to veterans, the military and their families.
Car insurance in Alabama is expensive because the state has vehicle fatality rates twice as high as the national average. By comparing auto insurance quotes from different companies, you can find the best rates within the state. These prices are only estimates based on fares for an average Alabama driver and should not be used to compare insurance prices. The average cost of car insurance in Alabama is higher for drivers who have a citation for a traffic violation, DUI (driving under the influence of alcohol), or an at-fault accident on their driving record.
If you don't have good credit, you pay an average of 80% more for car insurance in Alabama compared to those with good credit. Given Alabama's high rate of uninsured motorists, people should also consider purchasing uninsured motorist coverage, which covers them when the other driver doesn't have enough insurance to cover the cost of an accident (or if they are the victim of a runaway accident). Drivers in Alabama can find cheap car insurance with no deposit or no down payment, but all it really means is that you only have to pay the first month's premium to get coverage. Drivers looking for cheap car insurance in Alabama can also try NerdWallet's car insurance comparison tool to easily review estimates.
Check with your car insurance company to see if they have a mobile app that allows you to show an electronic identification card. Car insurance is a major purchase, but finding cheap car insurance in Alabama isn't always easy. Alabama drivers enjoy relatively inexpensive car insurance and rates are usually significantly lower than the national average rates, meaning it's easy to find an annual premium you can afford. The Alabama Department of Insurance is responsible for monitoring insurance companies and dealing with consumer complaints.
Alabama drivers with poor credit scores pay nearly twice as much for car insurance as drivers with strong credit. They are the cheapest states for auto insurance largely because they have a low population density and relatively few uninsured drivers. Alabama insurers generally offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts.