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How Much Does Auto Insurance Cost in Alabama

With a mix of large cities and rural charm, Alabama is a melting pot of cultures and personalities. This is no more apparent than it is on the roads, as drivers of all types battle traffic together. In Alabama, you must have auto insurance according to the Alabama Liability Insurance Law (32-7A). If you drive a registered vehicle in Alabama, you must have insurance that meets the law’s minimum requirements. The Alabama minimum requirements are as follows:

  • $25,000 for injury/death to one person
  • $50,000 for injury/death to more than one person
  • $25,000 for damage to property

 If you’re caught on the road without insurance, you’ll potentially receive fines and a license suspension. The most common way you can prove that you have a policy is with an insurance card. A valid insurance card includes the policy’s effective date, the insurer’s National Association of Insurance Commissioners number, the vehicle identity number, and the policy number.

Alabama Auto Insurance Rates by County

Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Autauga$1,206$1,086$1,225$1,182$1,270
Baldwin$1,187$1,023$1,204$1,142$1,251
Barbour$1,183$1,058$1,202$1,161$1,247
Bibb$1,250$1,045$1,212$1,185$1,315
Blount$1,240$1,105$1,259$1,205$1,313
Bullock$1,180$1,063$1,199$1,160$1,244
Butler$1,181$991$1,205$1,142$1,249
Calhoun$1,213$1,048$1,232$1,175$1,277
Chambers$1,176$1,016$1,196$1,156$1,240
Cherokee$1,156$972$1,174$1,114$1,220
Chilton$1,203$1,084$1,222$1,180$1,267
Choctaw$1,251$1,118$1,276$1,266$1,329
Clarke$1,251$1,067$1,276$1,222$1,329
Clay$1,171$934$1,180$1,062$1,235
Cleburne$1,187$1,013$1,206$1,153$1,251
Coffee$1,137$956$1,156$1,088$1,200
Colbert$1,183$1,019$1,201$1,149$1,250
Conecuh$1,184$1,029$1,208$1,187$1,252
Coosa$1,211$952$1,200$1,088$1,275
Covington$1,183$906$1,144$1,033$1,252
Crenshaw$1,180$986$1,204$1,125$1,249
Cullman$1,189$1,022$1,207$1,158$1,256
Dale$1,183$962$1,202$1,070$1,247
Dallas$1,266$1,142$1,290$1,270$1,336
DeKalb$1,156$982$1,174$1,117$1,220
Elmore$1,207$1,064$1,226$1,183$1,271
Escambia$1,263$1,017$1,286$1,164$1,342
Etowah$1,254$1,004$1,266$1,131$1,323
Fayette$1,211$1,047$1,231$1,191$1,280
Franklin$1,183$1,038$1,201$1,149$1,250
Geneva$1,183$956$1,202$1,088$1,247
Greene$1,260$1,123$1,281$1,227$1,334
Hale$1,260$1,123$1,281$1,227$1,334
Henry$1,183$1,012$1,202$1,145$1,247
Houston$1,204$1,012$1,223$1,130$1,268
Jackson$1,217$995$1,237$1,134$1,288
Jefferson$1,277$1,135$1,293$1,206$1,348
Lamar$1,197$1,023$1,216$1,173$1,265
Lauderdale$1,233$1,002$1,239$1,130$1,296
Lawrence$1,183$1,059$1,201$1,149$1,250
Lee$1,176$1,012$1,196$1,152$1,240
Limestone$1,228$1,015$1,246$1,145$1,292
Lowndes$1,227$1,093$1,251$1,207$1,296
Macon$1,176$964$1,196$1,093$1,240
Madison$1,228$1,084$1,246$1,180$1,292
Marengo$1,302$1,131$1,328$1,275$1,382
Marion$1,205$1,039$1,226$1,188$1,274
Marshall$1,240$1,050$1,259$1,187$1,313
Mobile$1,219$1,090$1,236$1,171$1,287
Monroe$1,251$1,045$1,276$1,202$1,329
Montgomery$1,180$1,063$1,199$1,160$1,244
Morgan$1,189$1,032$1,196$1,158$1,256
Perry$1,327$1,186$1,348$1,281$1,402
Pickens$1,270$1,078$1,290$1,236$1,344
Pike$1,180$1,062$1,199$1,159$1,243
Randolph$1,176$1,013$1,196$1,156$1,240
Russell$1,184$1,058$1,203$1,161$1,248
Shelby$1,274$1,078$1,293$1,223$1,345
St. Clair$1,268$1,076$1,287$1,212$1,340
Sumter$1,260$1,123$1,281$1,227$1,334
Talladega$1,268$974$1,222$1,113$1,340
Tallapoosa$1,176$974$1,196$1,112$1,240
Tuscaloosa$1,261$1,021$1,281$1,162$1,335
Walker$1,261$1,047$1,282$1,209$1,336
Washington$1,251$1,110$1,276$1,266$1,329
Wilcox$1,300$1,100$1,325$1,277$1,379
Winston$1,205$1,079$1,226$1,188$1,274

Finding Auto Insurance Resources in Alabama

You have many resources available to learn about Alabama insurance requirements. To start, you can go to the Alabama Department of Motor Vehicles (DMV). You can also talk with local insurers to learn about policies and coverage options.

If you have an accident with an uninsured or underinsured driver, there is no need to panic. Alabama’s Uninsured Motorist Statute requires insurers to provide you with uninsured coverage on every policy. When an uninsured or underinsured driver collides with your car, your policy will cover damages and injuries without raising your rates.

If you have trouble buying car insurance, you can obtain proof of financial responsibility with a Motor Vehicle Liability Bond or a Certificate of Cash Bond. For these bonds, you’ll need to fill out an application and bring your Alabama certificate of title and VIN.

Saving on Your Alabama Auto Insurance Policy

Although a car insurance plan that fits your needs is important, you should also consider options that work with your budget. Some companies charge very different rates for similar plans. You should get quotes from at least three insurers in your area to find the best rate. Some other money saving tips include:

  • Insuring multiple cars on one plan
  • Getting good grades (students that maintain a B average or higher qualify for a discount)
  • Completing a defensive driving course
  • Having a car that passes vehicle safety inspections

You can also raise your deductible to save a bit of overall cost. Higher deductibles result in lower monthly payments. If your car is old, you should fix minor damage yourself and let your insurer take care of the more expensive issues.

The best way to save on your policy is to have a good driving record, as that greatly affects what you pay. Any Alabama drivers seeking a new auto policy should compare multiple auto insurance company rates to make sure they are getting the best price in their area.

Moving to Alabama: Important Information

When you move to Alabama, you have 30 days to get your Alabama driver’s license. You’ll need to visit an Alabama Department of Public Safety office to obtain your new license. Make sure that you bring a valid copy of your out-of-state license, birth certificate, Social Security card, and proof of address. If all of your information is accepted, you won’t have to take an eye vision exam or a written test.

Additionally, you have 30 days to register your vehicle. To register your vehicle, you must do the following:

  • Have a county licensing official inspect the vehicle
  • Provide proof of car insurance

After these two requirements are met, a licensing official will collect fees and then issue a license plate. The state of Alabama doesn’t require an emissions test.

Understanding Driving Laws in Alabama

While driving in Alabama, you must be aware of Alabama’s unique driving laws.

The state of Alabama has strict laws regarding cell phones use. Text messaging is forbidden for everyone. If you are 16 or 17 with an intermediate driver’s license, you cannot talk on your cell phone. Additionally, Alabama is part of the “Click It or Ticket” program, so you must wear your seatbelt at all times.

Like most states, Alabama has very strict and serious driving under the influence (DUI) laws. If you’re caught with a blood alcohol content (BAC) over 0.08 percent, you’ll face large fines, a jail sentence up to a year, and license suspension. Multiple offenses result in increased penalties. Alabama police officers can issue underage drivers a DUI with only a 0.02 percent BAC.

Frequently Asked Questions About Alabama Auto Insurance

What determines your insurance premium?

There are many factors that affect the price of your premium. Some of these factors include:

  • Type of car you drive
  • Purpose of your vehicle (personal use only or business use)
  • Driving record
  • Age (drivers under 25 often pay more)
  • Marital status

What is SR-22 insurance?

If you are considered a high risk individual or you have a DUI on your record, an SR-22 insurance policy is required by the state. This policy proves that you have taken financial responsibility for your vehicle if your license has been suspended or revoked.

Do you need auto insurance for an older car?

Even though the cost of your premium may be more than your car is worth, you still need to purchase auto insurance. If repairs cost more than the car, the insurer will total the car and give you a check worth its value.

How to Get Great Rates on Alabama Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.