How Much Does Auto Insurance Cost in Alabama?

Compare the best car insurance rates today.

One of the most important determinants of car insurance cost in Alabama is the type of vehicle you drive. Generally speaking, the more expensive the car is, the more expensive the insurance premiums will be. Other factors that insurers take into consideration include the driver’s age, gender, driving record, credit score, and the area where the car is registered. In Alabama, the average annual cost of car insurance is around $1,500. However, this figure can be higher or lower depending on the factors mentioned above.

For example, drivers under the age of 25 tend to pay higher rates due to their higher risk of being involved in an accident. Similarly, drivers with poor credit scores may also be charged higher premiums. In addition to the cost of the insurance policy, drivers in Alabama also have to pay for mandatory coverage. This includes liability coverage, which is designed to protect the driver if they are found to be at fault in an accident, and uninsured motorist coverage, which covers a driver’s medical bills in the event that the other driver is not insured.

It is important for drivers in Alabama to shop around for car insurance. Different insurers offer different rates and levels of coverage, so it is important to compare policies to find one that fits your budget and provides you with the right level of protection. Additionally, drivers can potentially lower their premiums by taking defensive driving courses and having a clean driving record. Overall, the cost of car insurance in Alabama can vary greatly from one driver to the next.

Average Cost of Car Insurance in Alabama

AlabamaAverage Annual Premium:MinMaxMonthly Avg:
Car$1,908$1,644$2,360$159
SUV$1,859$1,606$2,283$155
EV / Electric$2,122$1,834$2,609$177
Luxury$2,714$2,355$3,281$226
Truck$2,268$1,969$2,787$189

How Much Car Insurance Do I Need 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:

 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.

Auto Insurance Cost by Age

Auto Insurance Costs by Age:MaleFemaleAverage Monthly Payment:
Age: 16 - 20$4,122$3,763$329
Age: 21 - 30$2,091$2,021$171
Age: 30 - 40$1,679$1,712$141
Age: 40 - 50$1,620$1,644$136
Age: 50 - 64$1,597$1,591$133
Age: 65+$2,035$1,896$164

Alabama Auto Insurance Rates by City

See below a list of the average annual premium yearly and monthly costs for each vehicle type by city in Alabama for any used vehicle make and model between 2015 to 2020.

We pulled costs data from 400+ cities in Alabama, we found that you can expect to pay anywhere from $1,606 at the cheapest rate to $3,281 at the most expensive rate across all vehicle types. The average cost for insurance on a typical used car or sedan is around $1,908 a year or $159 a month for state minimum coverage for a single driver with a good driving record.

AL City:Avg. Annual Premium:Avg. Monthly Costs:LuxuryEV / ElectricSUVTruckCar /Sedan
Abbeville$1,978$165$2,469$1,927$1,696$2,062$1,734
Adamsville$2,490$208$3,064$2,439$2,139$2,605$2,205
Adger$2,337$195$2,877$2,290$2,006$2,449$2,066
Akron$2,194$183$2,809$2,126$1,856$2,278$1,903
Alabaster$2,298$192$2,799$2,266$1,980$2,407$2,040
Albertville$2,159$180$2,657$2,118$1,851$2,257$1,913
Alexander City$2,024$169$2,546$1,969$1,725$2,109$1,772
Alexandria$2,154$179$2,651$2,114$1,848$2,248$1,908
Alpine$2,170$181$2,718$2,120$1,850$2,264$1,900
Andalusia$1,951$163$2,515$1,882$1,643$2,026$1,686
Anniston$2,133$178$2,630$2,094$1,829$2,226$1,888
Arab$2,109$176$2,601$2,068$1,809$2,206$1,863
Ardmore$2,111$176$2,604$2,076$1,814$2,201$1,863
Argo$2,174$181$2,685$2,135$1,863$2,272$1,916
Ariton$1,930$161$2,412$1,880$1,656$2,012$1,692
Arley$2,188$182$2,798$2,124$1,847$2,280$1,892
Arlington$2,216$185$2,889$2,129$1,864$2,302$1,895
Ashford$2,033$169$2,493$1,990$1,756$2,127$1,801
Ashland$1,967$164$2,522$1,906$1,661$2,036$1,708
Ashville$2,152$179$2,679$2,107$1,839$2,244$1,892
Athens$2,091$174$2,565$2,054$1,799$2,182$1,852
Atmore$2,058$172$2,656$1,993$1,730$2,139$1,775
Attalla$2,264$189$2,797$2,217$1,942$2,361$2,002
Auburn$2,079$173$2,571$2,037$1,781$2,171$1,836
Auburn University$2,067$172$2,559$2,025$1,771$2,159$1,824
Axis$2,276$190$2,807$2,232$1,960$2,379$2,002
Babbie$1,922$160$2,480$1,856$1,621$1,994$1,661
Baileyton$2,067$172$2,561$2,029$1,768$2,157$1,819
Ballplay$2,232$186$2,789$2,176$1,905$2,322$1,970
Banks$2,155$180$2,748$2,084$1,832$2,239$1,869
Bankston$2,056$171$2,624$1,992$1,741$2,140$1,781
Bay Minette$2,003$167$2,466$1,966$1,726$2,090$1,767
Bayou La Batre$2,406$201$2,977$2,357$2,069$2,509$2,118
Beaverton$1,955$163$2,501$1,895$1,659$2,030$1,692
Bellamy$2,157$180$2,756$2,092$1,828$2,240$1,871
Belle Fontaine$2,439$203$3,003$2,392$2,105$2,545$2,152
Berry$2,122$177$2,714$2,057$1,794$2,211$1,833
Bessemer$2,442$204$2,994$2,396$2,101$2,555$2,165
Birmingham$2,563$214$3,146$2,513$2,204$2,681$2,272
Black$1,917$160$2,373$1,874$1,646$2,001$1,689
Blue Ridge$2,243$187$2,760$2,197$1,933$2,343$1,982
Boaz$2,198$183$2,725$2,152$1,881$2,292$1,938
Boligee$2,194$183$2,815$2,125$1,855$2,281$1,896
Brent$2,105$175$2,669$2,048$1,795$2,178$1,836
Brewton$2,055$171$2,654$1,988$1,724$2,139$1,769
Bridgeport$2,036$170$2,577$1,981$1,725$2,121$1,775
Brighton$2,605$217$3,225$2,545$2,237$2,718$2,300
Brilliant$1,992$166$2,551$1,928$1,686$2,071$1,722
Brook Highland$2,409$201$2,916$2,377$2,082$2,524$2,148
Brookside$2,503$209$3,086$2,451$2,150$2,613$2,217
Brookwood$2,312$193$2,837$2,273$1,989$2,415$2,047
Brownsboro$2,287$191$2,772$2,254$1,974$2,402$2,032
Brundidge$2,003$167$2,520$1,951$1,713$2,083$1,748
Bryant$2,044$170$2,591$1,987$1,731$2,130$1,779
Buhl$2,232$186$2,732$2,199$1,923$2,330$1,976
Calera$2,241$187$2,756$2,200$1,926$2,346$1,979
Calvert$2,168$181$2,803$2,091$1,823$2,254$1,866
Camden$2,180$182$2,846$2,096$1,831$2,266$1,860
Camp Hill$2,060$172$2,597$2,003$1,755$2,145$1,798
Carbon Hill$2,144$179$2,714$2,085$1,819$2,237$1,864
Carlisle-Rockledge$2,223$185$2,751$2,177$1,906$2,316$1,963
Carrollton$2,107$176$2,712$2,039$1,779$2,186$1,820
Cedar Bluff$2,042$170$2,570$1,987$1,742$2,124$1,786
Center Point$2,662$222$3,273$2,609$2,282$2,787$2,360
Centre$2,067$172$2,602$2,011$1,765$2,150$1,806
Centreville$2,094$174$2,644$2,041$1,783$2,167$1,833
Chancellor$1,972$164$2,435$1,929$1,697$2,059$1,741
Chatom$2,144$179$2,797$2,063$1,796$2,233$1,832
Chelsea$2,487$207$3,017$2,448$2,147$2,608$2,214
Cherokee$2,001$167$2,516$1,952$1,707$2,081$1,751
Chickasaw$2,383$199$2,956$2,332$2,049$2,482$2,095
Childersburg$2,194$183$2,733$2,147$1,872$2,291$1,930
Choccolocco$2,125$177$2,637$2,081$1,816$2,215$1,874
Chunchula$2,448$204$3,039$2,394$2,103$2,553$2,152
Citronelle$2,383$199$2,977$2,324$2,037$2,491$2,085
Clanton$2,089$174$2,627$2,039$1,782$2,174$1,825
Coaling$2,320$193$2,850$2,281$1,995$2,421$2,053
Coats Bend$2,281$190$2,817$2,235$1,958$2,377$2,017
Coden$2,409$201$2,976$2,360$2,072$2,512$2,122
Coffee Springs$1,955$163$2,422$1,908$1,683$2,040$1,723
Columbia$2,022$169$2,486$1,976$1,742$2,116$1,791
Columbiana$2,281$190$2,793$2,243$1,965$2,386$2,018
Coosada$2,283$190$2,803$2,238$1,968$2,384$2,020
Cordova$2,323$194$2,926$2,262$1,978$2,423$2,029
Cottondale$2,325$194$2,858$2,285$1,999$2,426$2,057
Courtland$2,061$172$2,567$2,015$1,764$2,151$1,809
Cowarts$2,063$172$2,529$2,019$1,783$2,159$1,827
Coy$2,175$181$2,845$2,090$1,825$2,260$1,853
Cragford$1,983$165$2,545$1,919$1,674$2,055$1,720
Cropwell$2,157$180$2,663$2,118$1,852$2,251$1,901
Crossville$2,104$175$2,636$2,055$1,789$2,195$1,846
Cuba$2,159$180$2,772$2,091$1,824$2,242$1,865
Cullman$2,186$182$2,713$2,142$1,868$2,279$1,926
Cusseta$2,084$174$2,622$2,029$1,775$2,167$1,828
Dadeville$2,017$168$2,546$1,959$1,719$2,099$1,760
Daleville$1,934$161$2,391$1,891$1,664$2,017$1,706
Daphne$2,171$181$2,649$2,137$1,877$2,270$1,922
Dauphin Island$2,303$192$2,826$2,260$1,991$2,410$2,028
Daviston$2,019$168$2,583$1,951$1,708$2,098$1,755
Dawson$2,050$171$2,582$1,998$1,743$2,136$1,791
Deatsville$2,270$189$2,780$2,228$1,959$2,371$2,009
Decatur$2,066$172$2,540$2,027$1,774$2,162$1,825
Deer Park$2,170$181$2,819$2,091$1,822$2,258$1,861
Demopolis$2,162$180$2,782$2,090$1,826$2,248$1,865
Detroit$1,970$164$2,523$1,908$1,670$2,045$1,702
Dickinson$2,145$179$2,790$2,067$1,801$2,233$1,835
Dixons Mills$2,197$183$2,858$2,113$1,846$2,283$1,883
Docena$2,508$209$3,067$2,458$2,166$2,621$2,230
Dolomite$2,526$211$3,119$2,471$2,166$2,635$2,239
Dora$2,353$196$2,935$2,300$2,011$2,452$2,066
Dothan$2,063$172$2,514$2,023$1,785$2,161$1,834
Dozier$1,913$159$2,425$1,854$1,625$1,995$1,664
Duncanville$2,284$190$2,806$2,246$1,960$2,385$2,023
Dunnavant$2,355$196$2,883$2,317$2,030$2,458$2,084
Dutton$2,059$172$2,591$2,005$1,753$2,146$1,801
East Brewton$2,065$172$2,663$1,999$1,734$2,151$1,780
Eastaboga$2,170$181$2,693$2,124$1,853$2,265$1,916
Edgewater$2,563$214$3,170$2,504$2,196$2,676$2,267
Edwardsville$2,036$170$2,585$1,976$1,728$2,112$1,778
Elba$1,977$165$2,475$1,923$1,689$2,064$1,732
Eldridge$2,189$182$2,776$2,125$1,855$2,282$1,906
Elkmont$2,103$175$2,593$2,063$1,809$2,195$1,857
Elmore$2,274$189$2,782$2,231$1,961$2,377$2,017
Emelle$2,159$180$2,786$2,088$1,819$2,245$1,858
Emerald Mountain$2,257$188$2,780$2,209$1,943$2,359$1,993
Enterprise$1,962$164$2,408$1,921$1,692$2,052$1,738
Equality$2,089$174$2,618$2,033$1,785$2,175$1,831
Eufaula$2,116$176$2,688$2,049$1,801$2,198$1,845
Eutaw$2,165$180$2,775$2,099$1,832$2,245$1,876
Evergreen$2,037$170$2,639$1,961$1,714$2,116$1,753
Fackler$2,064$172$2,601$2,012$1,750$2,151$1,804
Fairfield$2,623$219$3,252$2,561$2,246$2,740$2,317
Fairhope$2,157$180$2,628$2,125$1,868$2,251$1,912
Fairview$2,063$172$2,559$2,025$1,762$2,154$1,814
Falkville$2,011$168$2,487$1,975$1,724$2,098$1,771
Fayette$2,060$172$2,633$1,996$1,743$2,146$1,783
Five Points$2,062$172$2,629$1,997$1,747$2,144$1,795
Flat Rock$2,035$170$2,577$1,979$1,727$2,121$1,773
Florala$1,925$160$2,443$1,866$1,637$2,008$1,672
Florence$2,040$170$2,495$2,006$1,762$2,128$1,812
Foley$2,129$177$2,603$2,094$1,843$2,220$1,884
Forestdale$2,574$215$3,176$2,517$2,208$2,691$2,279
Forkland$2,212$184$2,813$2,149$1,883$2,293$1,924
Fort Deposit$2,090$174$2,696$2,016$1,763$2,174$1,803
Fort Mitchell$2,365$197$2,932$2,307$2,034$2,475$2,075
Fort Payne$1,973$164$2,474$1,925$1,682$2,050$1,731
Fort Rucker$1,910$159$2,355$1,867$1,646$1,997$1,686
Franklin$2,130$177$2,785$2,049$1,783$2,215$1,817
Fulton$2,126$177$2,763$2,050$1,785$2,212$1,821
Fultondale$2,459$205$3,028$2,411$2,110$2,568$2,178
Gadsden$2,292$191$2,816$2,247$1,971$2,392$2,033
Gallion$2,209$184$2,840$2,136$1,871$2,286$1,913
Gardendale$2,399$200$2,947$2,353$2,058$2,506$2,129
Gaylesville$1,990$166$2,509$1,937$1,695$2,070$1,741
Geneva$1,915$160$2,371$1,870$1,648$1,997$1,687
Georgiana$2,002$167$2,595$1,928$1,685$2,079$1,724
Geraldine$2,080$173$2,613$2,029$1,768$2,167$1,820
Gilbertown$2,110$176$2,747$2,033$1,770$2,196$1,804
Glencoe$2,273$189$2,786$2,231$1,954$2,374$2,018
Good Hope$2,157$180$2,682$2,116$1,843$2,247$1,900
Goodwater$2,058$172$2,598$2,002$1,753$2,142$1,798
Gordonville$2,224$185$2,820$2,150$1,894$2,324$1,932
Goshen$2,027$169$2,557$1,970$1,727$2,111$1,770
Grady$2,199$183$2,728$2,144$1,883$2,303$1,934
Grand Bay$2,417$201$2,979$2,369$2,085$2,519$2,134
Grayson Valley$2,550$212$3,137$2,502$2,190$2,664$2,257
Graysville$2,465$205$3,033$2,414$2,118$2,575$2,185
Greensboro$2,190$182$2,812$2,121$1,855$2,270$1,890
Greenville$2,007$167$2,598$1,934$1,689$2,085$1,730
Grimes$2,020$168$2,499$1,972$1,738$2,110$1,781
Groveoak$2,043$170$2,564$1,991$1,742$2,128$1,792
Guin$1,974$165$2,525$1,913$1,673$2,052$1,708
Gulf Shores$2,159$180$2,630$2,125$1,873$2,253$1,913
Guntersville$2,162$180$2,663$2,119$1,853$2,264$1,912
Gurley$2,233$186$2,739$2,192$1,918$2,340$1,978
Hackleburg$2,002$167$2,565$1,937$1,694$2,083$1,729
Hackneyville$2,021$168$2,546$1,964$1,721$2,105$1,767
Haleyville$2,001$167$2,556$1,940$1,695$2,081$1,731
Hamilton$1,980$165$2,534$1,919$1,679$2,058$1,712
Hammondville$2,007$167$2,524$1,953$1,707$2,091$1,758
Hanceville$2,183$182$2,726$2,136$1,860$2,277$1,917
Harpersville$2,282$190$2,826$2,233$1,954$2,382$2,016
Hartford$1,936$161$2,385$1,893$1,668$2,022$1,712
Hartselle$2,022$169$2,489$1,984$1,737$2,113$1,788
Harvest$2,259$188$2,719$2,227$1,962$2,369$2,016
Hatchechubbee$2,267$189$2,827$2,210$1,944$2,365$1,990
Hayneville$2,219$185$2,806$2,148$1,891$2,319$1,931
Hazel Green$2,153$179$2,637$2,117$1,853$2,249$1,906
Headland$2,025$169$2,505$1,978$1,743$2,113$1,784
Heflin$2,077$173$2,631$2,017$1,764$2,157$1,816
Helena$2,373$198$2,878$2,339$2,050$2,483$2,116
Henagar$1,992$166$2,507$1,939$1,696$2,074$1,743
Highland Home$2,042$170$2,584$1,980$1,738$2,132$1,776
Highland Lake$2,237$186$2,801$2,183$1,907$2,333$1,963
Highland Lakes$2,462$205$2,967$2,430$2,130$2,581$2,201
Hodges$2,000$167$2,540$1,944$1,699$2,082$1,737
Hokes Bluff$2,268$189$2,780$2,224$1,953$2,369$2,014
Holly Pond$2,140$178$2,679$2,092$1,822$2,231$1,877
Hollytree$2,113$176$2,633$2,064$1,806$2,209$1,856
Hollywood$2,044$170$2,573$1,991$1,738$2,130$1,789
Holt$2,339$195$2,843$2,304$2,019$2,448$2,079
Holtville$2,257$188$2,775$2,211$1,944$2,359$1,997
Homewood$2,394$199$2,901$2,363$2,068$2,507$2,131
Honoraville$2,025$169$2,574$1,961$1,721$2,112$1,755
Hoover$2,414$201$2,920$2,382$2,085$2,531$2,154
Horton$2,105$175$2,609$2,061$1,801$2,200$1,854
Houston$2,036$170$2,599$1,974$1,722$2,122$1,766
Hueytown$2,390$199$2,914$2,351$2,062$2,501$2,122
Huguley$2,094$174$2,647$2,035$1,780$2,176$1,830
Huntsville$2,219$185$2,679$2,186$1,924$2,329$1,979
Indian Springs Village$2,437$203$2,949$2,401$2,104$2,556$2,174
Irondale$2,498$208$3,054$2,457$2,151$2,611$2,218
Irvington$2,404$200$2,962$2,356$2,073$2,505$2,123
Ivalee$2,253$188$2,787$2,205$1,931$2,349$1,991
Jack$1,926$160$2,400$1,878$1,652$2,008$1,691
Jackson$2,195$183$2,842$2,115$1,839$2,292$1,887
Jacksons Gap$2,033$169$2,559$1,975$1,735$2,119$1,777
Jacksonville$2,091$174$2,585$2,050$1,795$2,179$1,845
Jasper$2,301$192$2,900$2,240$1,956$2,402$2,005
Jemison$2,133$178$2,710$2,075$1,812$2,210$1,858
Jones$2,258$188$2,829$2,199$1,931$2,362$1,969
Joppa$2,094$175$2,593$2,055$1,793$2,187$1,844
Kansas$2,143$179$2,715$2,085$1,818$2,237$1,863
Kellyton$2,074$173$2,601$2,019$1,774$2,162$1,816
Kennedy$2,026$169$2,599$1,960$1,713$2,106$1,750
Kimberly$2,275$190$2,822$2,229$1,944$2,372$2,006
Kinsey$2,068$172$2,521$2,027$1,788$2,166$1,837
Kinston$1,945$162$2,438$1,895$1,662$2,030$1,702
La Fayette$2,068$172$2,633$2,002$1,751$2,152$1,802
Lanett$2,096$175$2,650$2,037$1,782$2,179$1,832
Lapine$2,174$181$2,751$2,106$1,848$2,267$1,896
Leeds$2,377$198$2,906$2,339$2,048$2,483$2,111
Leroy$2,154$179$2,790$2,077$1,807$2,244$1,850
Lester$2,050$171$2,540$2,006$1,759$2,136$1,807
Letohatchee$2,128$177$2,688$2,064$1,812$2,222$1,853
Level Plains$1,937$161$2,399$1,892$1,666$2,022$1,707
Lexington$2,008$167$2,484$1,971$1,726$2,089$1,771
Lillian$2,103$175$2,572$2,069$1,820$2,192$1,864
Lincoln$2,106$176$2,615$2,065$1,803$2,195$1,854
Linden$2,203$184$2,858$2,121$1,855$2,289$1,893
Lineville$1,963$164$2,516$1,903$1,658$2,031$1,706
Lipscomb$2,634$219$3,265$2,571$2,258$2,751$2,324
Littleville$2,033$169$2,533$1,987$1,739$2,118$1,787
Livingston$2,171$181$2,780$2,103$1,836$2,256$1,878
Lookout Mountain$2,253$188$2,784$2,206$1,933$2,350$1,993
Loxley$2,120$177$2,604$2,084$1,831$2,213$1,870
Luverne$2,038$170$2,584$1,973$1,733$2,128$1,771
Lynn$2,031$169$2,610$1,965$1,715$2,115$1,749
Madison$2,171$181$2,621$2,141$1,882$2,274$1,935
Magnolia Springs$2,148$179$2,629$2,111$1,858$2,243$1,900
Malvern$2,025$169$2,482$1,984$1,749$2,118$1,794
Marbury$2,228$186$2,758$2,178$1,916$2,327$1,964
Margaret$2,174$181$2,689$2,134$1,861$2,272$1,914
Marion$2,183$182$2,809$2,112$1,852$2,261$1,883
Marion Junction$2,294$191$2,940$2,217$1,943$2,385$1,988
Mathews$2,247$187$2,820$2,185$1,918$2,342$1,970
Maylene$2,269$189$2,785$2,230$1,951$2,373$2,005
McCalla$2,349$196$2,883$2,306$2,016$2,458$2,081
McDonald Chapel$2,553$213$3,163$2,494$2,186$2,665$2,256
Meadowbrook$2,440$203$2,950$2,407$2,109$2,558$2,178
Mentone$1,998$167$2,514$1,946$1,701$2,082$1,750
Meridianville$2,243$187$2,717$2,212$1,940$2,352$1,994
Midfield$2,613$218$3,245$2,550$2,235$2,730$2,306
Midland City$2,006$167$2,479$1,961$1,728$2,094$1,769
Millbrook$2,245$187$2,758$2,203$1,937$2,345$1,985
Minor$2,578$215$3,186$2,519$2,209$2,692$2,282
Minter$2,197$183$2,857$2,108$1,854$2,280$1,885
Mobile$2,484$207$3,045$2,438$2,144$2,595$2,198
Monroeville$2,116$176$2,736$2,045$1,777$2,200$1,820
Montevallo$2,216$185$2,723$2,179$1,907$2,315$1,957
Montgomery$2,396$200$2,937$2,345$2,069$2,507$2,122
Moody$2,197$183$2,701$2,160$1,889$2,293$1,943
Moores Mill$2,201$183$2,664$2,166$1,905$2,309$1,960
Morris$2,331$194$2,891$2,286$1,997$2,430$2,053
Moulton$2,076$173$2,580$2,031$1,777$2,170$1,823
Moundville$2,265$189$2,815$2,215$1,939$2,360$1,996
Mount Olive$2,390$199$2,946$2,346$2,050$2,496$2,114
Mountain Brook$2,437$203$2,949$2,405$2,105$2,555$2,170
Mulga$2,502$208$3,097$2,444$2,144$2,609$2,215
Muscle Shoals$2,031$169$2,516$1,991$1,740$2,114$1,792
Napier Field$2,019$168$2,495$1,974$1,738$2,109$1,780
Needham$2,123$177$2,752$2,047$1,784$2,208$1,822
New Brockton$2,003$167$2,472$1,958$1,724$2,091$1,768
New Hope$2,179$182$2,669$2,143$1,874$2,280$1,930
New Site$2,022$169$2,579$1,956$1,713$2,102$1,761
Newton$1,963$164$2,419$1,921$1,692$2,049$1,733
Newville$2,004$167$2,482$1,957$1,723$2,092$1,767
Northport$2,270$189$2,780$2,233$1,953$2,375$2,008
Notasulga$2,177$181$2,711$2,125$1,860$2,270$1,917
Odenville$2,162$180$2,671$2,124$1,853$2,258$1,905
Ohatchee$2,166$180$2,688$2,121$1,853$2,257$1,908
Oneonta$2,259$188$2,831$2,201$1,923$2,358$1,981
Opelika$2,116$176$2,626$2,071$1,813$2,210$1,862
Opp$1,889$157$2,392$1,834$1,606$1,969$1,644
Orange Beach$2,155$180$2,622$2,122$1,872$2,249$1,911
Our Town$2,011$168$2,532$1,956$1,714$2,093$1,758
Owens Cross Roads$2,235$186$2,734$2,193$1,925$2,346$1,979
Oxford$2,169$181$2,677$2,126$1,859$2,265$1,918
Ozark$1,924$160$2,384$1,876$1,652$2,009$1,696
Parrish$2,354$196$2,969$2,290$2,001$2,458$2,053
Pelham$2,406$200$2,919$2,371$2,077$2,521$2,142
Pell City$2,170$181$2,668$2,135$1,866$2,264$1,919
Pennington$2,142$179$2,765$2,069$1,806$2,227$1,844
Perdido$2,000$167$2,484$1,959$1,712$2,096$1,749
Perdido Beach$2,103$175$2,566$2,071$1,823$2,194$1,864
Phenix City$2,350$196$2,894$2,300$2,025$2,460$2,070
Phil Campbell$1,987$166$2,523$1,930$1,687$2,066$1,727
Piedmont$2,077$173$2,622$2,020$1,766$2,157$1,818
Pike Road$2,435$203$2,966$2,386$2,104$2,552$2,166
Pinckard$2,011$168$2,485$1,969$1,730$2,097$1,772
Pine Level$2,278$190$2,796$2,234$1,965$2,381$2,015
Pinson$2,486$207$3,065$2,437$2,133$2,596$2,201
Pisgah$2,069$172$2,608$2,013$1,760$2,157$1,808
Pittsview$2,365$197$2,935$2,304$2,035$2,471$2,077
Plantersville$2,235$186$2,866$2,162$1,892$2,327$1,927
Pleasant Grove$2,504$209$3,063$2,455$2,155$2,625$2,221
Point Clear$2,172$181$2,645$2,139$1,881$2,268$1,926
Powell$2,001$167$2,514$1,954$1,704$2,081$1,752
Prattville$2,258$188$2,776$2,213$1,945$2,360$1,994
Priceville$2,044$170$2,517$2,005$1,755$2,139$1,804
Prichard$2,425$202$2,999$2,374$2,087$2,527$2,138
Quinton$2,372$198$2,961$2,316$2,026$2,473$2,085
Rainbow City$2,294$191$2,822$2,248$1,969$2,394$2,035
Rainsville$1,993$166$2,503$1,944$1,699$2,073$1,744
Randolph$2,122$177$2,697$2,065$1,799$2,199$1,850
Red Bay$2,033$169$2,586$1,973$1,724$2,118$1,763
Red Level$1,952$163$2,524$1,880$1,643$2,028$1,684
Redland$2,266$189$2,787$2,218$1,952$2,369$2,003
Reeltown$2,145$179$2,690$2,088$1,835$2,236$1,878
Rehobeth$2,044$170$2,486$2,006$1,770$2,140$1,816
Remlap$2,339$195$2,905$2,285$1,996$2,443$2,064
Riverside$2,176$181$2,704$2,131$1,863$2,267$1,914
Roanoke$2,050$171$2,626$1,983$1,732$2,133$1,777
Robertsdale$2,080$173$2,544$2,046$1,799$2,169$1,841
Rock Mills$2,053$171$2,626$1,987$1,736$2,135$1,782
Rockford$2,042$170$2,582$1,989$1,732$2,123$1,781
Rogersville$2,058$171$2,538$2,020$1,770$2,144$1,818
Russellville$2,038$170$2,577$1,982$1,732$2,121$1,778
Saint Stephens$2,164$180$2,810$2,086$1,815$2,255$1,856
Saks$2,147$179$2,631$2,110$1,846$2,243$1,905
Salem$2,276$190$2,829$2,226$1,955$2,377$1,993
Samson$1,938$162$2,401$1,892$1,667$2,030$1,703
Saraland$2,373$198$2,945$2,323$2,039$2,470$2,087
Sardis City$2,225$185$2,760$2,179$1,905$2,321$1,961
Satsuma$2,279$190$2,795$2,239$1,966$2,381$2,012
Scottsboro$2,069$172$2,585$2,020$1,763$2,157$1,817
Seale$2,398$200$2,965$2,342$2,063$2,508$2,110
Selma$2,292$191$2,924$2,219$1,944$2,382$1,991
Selmont-West Selmont$2,299$192$2,936$2,224$1,948$2,390$1,996
Sheffield$2,038$170$2,528$1,997$1,745$2,122$1,798
Shelby$2,181$182$2,685$2,141$1,872$2,281$1,928
Shoal Creek$2,438$203$2,944$2,407$2,109$2,556$2,178
Shorter$2,251$188$2,802$2,193$1,936$2,347$1,979
Silverhill$2,141$178$2,617$2,107$1,851$2,235$1,895
Skipperville$1,954$163$2,440$1,903$1,674$2,037$1,714
Slocomb$2,001$167$2,460$1,958$1,728$2,091$1,767
Smiths Station$2,282$190$2,811$2,234$1,965$2,389$2,010
Smoke Rise$2,276$190$2,850$2,221$1,940$2,370$2,000
Southside$2,272$189$2,790$2,229$1,955$2,371$2,013
Spanish Fort$2,095$175$2,569$2,059$1,807$2,188$1,851
Spruce Pine$2,036$170$2,581$1,981$1,731$2,119$1,769
Steele$2,121$177$2,624$2,080$1,816$2,217$1,869
Sterrett$2,279$190$2,796$2,242$1,962$2,383$2,009
Stevenson$2,062$172$2,602$2,006$1,750$2,151$1,802
Stewartville$2,138$178$2,680$2,087$1,820$2,226$1,876
Sulligent$1,958$163$2,509$1,896$1,661$2,033$1,692
Sumiton$2,308$192$2,891$2,252$1,970$2,402$2,024
Susan Moore$2,111$176$2,631$2,064$1,801$2,207$1,852
Sycamore$2,138$178$2,700$2,083$1,815$2,221$1,871
Sylacauga$2,114$176$2,645$2,067$1,803$2,203$1,853
Sylvania$1,999$167$2,510$1,949$1,703$2,080$1,750
Talladega$2,093$174$2,618$2,047$1,784$2,179$1,837
Tallassee$2,179$182$2,724$2,122$1,865$2,273$1,911
Tarrant$2,662$222$3,281$2,601$2,283$2,785$2,358
Taylor$2,034$170$2,475$1,997$1,762$2,129$1,807
Theodore$2,488$207$3,056$2,440$2,147$2,599$2,199
Thomasville$2,141$178$2,786$2,062$1,799$2,226$1,833
Thorsby$2,104$175$2,669$2,044$1,788$2,184$1,834
Tibbie$2,156$180$2,797$2,079$1,808$2,245$1,849
Tidmore Bend$2,325$194$2,864$2,278$1,996$2,425$2,060
Tillmans Corner$2,479$207$3,040$2,434$2,140$2,590$2,193
Toney$2,211$184$2,709$2,175$1,903$2,311$1,957
Town Creek$2,053$171$2,554$2,008$1,757$2,142$1,806
Toxey$2,119$177$2,751$2,043$1,780$2,204$1,819
Trafford$2,366$197$2,944$2,309$2,021$2,473$2,084
Trinity$2,099$175$2,581$2,057$1,802$2,199$1,854
Troy$2,098$175$2,648$2,038$1,789$2,181$1,832
Trussville$2,430$203$2,978$2,386$2,087$2,539$2,160
Tuscaloosa$2,294$191$2,804$2,258$1,978$2,399$2,032
Tuscumbia$2,066$172$2,559$2,024$1,769$2,153$1,824
Tuskegee$2,207$184$2,792$2,143$1,877$2,295$1,925
Tuskegee Institute$2,222$185$2,814$2,157$1,891$2,312$1,937
Tyler$2,242$187$2,898$2,154$1,891$2,331$1,934
Underwood-Petersville$2,011$168$2,469$1,974$1,734$2,096$1,780
Union Springs$2,227$186$2,852$2,151$1,890$2,316$1,927
Uniontown$2,257$188$2,913$2,178$1,908$2,345$1,940
Valhermoso Springs$2,099$175$2,591$2,059$1,801$2,193$1,851
Valley$2,119$177$2,674$2,061$1,804$2,203$1,851
Valley Grande$2,278$190$2,914$2,204$1,931$2,367$1,976
Valley Head$1,998$166$2,510$1,946$1,701$2,081$1,751
Vance$2,323$194$2,863$2,279$1,991$2,427$2,055
Vandiver$2,272$189$2,785$2,233$1,956$2,374$2,013
Vernon$1,990$166$2,556$1,928$1,683$2,067$1,717
Vestavia Hills$2,402$200$2,900$2,373$2,077$2,515$2,143
Vina$2,037$170$2,587$1,979$1,730$2,122$1,768
Vincent$2,289$191$2,818$2,244$1,966$2,394$2,022
Vinegar Bend$2,158$180$2,812$2,077$1,808$2,245$1,847
Walnut Grove$2,098$175$2,604$2,056$1,794$2,191$1,847
Warrior$2,275$190$2,829$2,224$1,943$2,371$2,006
Waverly$2,094$175$2,637$2,040$1,781$2,180$1,834
Weaver$2,145$179$2,637$2,108$1,844$2,236$1,900
Webb$2,083$174$2,540$2,040$1,801$2,182$1,853
Wellington$2,129$177$2,621$2,089$1,830$2,222$1,885
Weogufka$2,086$174$2,624$2,034$1,774$2,170$1,827
West End-Cobb Town$2,160$180$2,649$2,120$1,855$2,259$1,916
Wetumpka$2,222$185$2,739$2,174$1,913$2,321$1,965
Whatley$2,147$179$2,796$2,066$1,799$2,236$1,836
White Plains$2,073$173$2,589$2,028$1,769$2,159$1,821
Wilmer$2,489$207$3,084$2,434$2,138$2,598$2,191
Winfield$1,991$166$2,553$1,927$1,684$2,071$1,720
Woodstock$2,201$183$2,796$2,141$1,866$2,284$1,919
Woodville$2,111$176$2,646$2,054$1,798$2,201$1,854
York$2,152$179$2,758$2,085$1,820$2,236$1,862

* FIND YOUR CITY – SEARCH BAR – TOP RIGHT OF TABLE *


Insurance Costs for Newer Vehicles by City

As mentioned newer vehicles can often be more expensive to insure as the cost to replace them after an accident can be significantly more of a risk for your insurance provider. However, in some cases you may find that a newer vehicle that has upgraded safety and security features can be cheaper to insure than an older model vehicle from 5 years ago. Here is a breakdown of costs found on vehicles types that were produced from 2020 to 2023 along with their average annual premium and monthly rates:

AL CityAnnual PremiumAvg. Monthly CostsLuxuryEV / ElectricSUVTruckCar /Sedan
Abbeville$2,097$175$2,715$1,928$1,700$2,251$1,889
Adamsville$2,631$219$3,365$2,446$2,139$2,826$2,378
Adger$2,478$207$3,177$2,294$2,012$2,667$2,242
Akron$2,350$196$3,104$2,147$1,878$2,518$2,105
Alabaster$2,429$202$3,077$2,269$1,984$2,615$2,200
Albertville$2,293$191$2,933$2,126$1,865$2,465$2,077
Alexander City$2,154$179$2,805$1,977$1,738$2,309$1,940
Alexandria$2,285$190$2,924$2,119$1,856$2,454$2,069
Alpine$2,314$193$3,006$2,131$1,866$2,485$2,083
Andalusia$2,088$174$2,774$1,897$1,665$2,239$1,866
Anniston$2,261$188$2,897$2,098$1,836$2,428$2,044
Arab$2,244$187$2,878$2,077$1,820$2,413$2,030
Ardmore$2,243$187$2,878$2,080$1,819$2,411$2,027
Argo$2,313$193$2,972$2,142$1,875$2,488$2,090
Ariton$2,046$171$2,653$1,881$1,657$2,196$1,843
Arley$2,351$196$3,113$2,143$1,872$2,523$2,105
Arlington$2,385$199$3,211$2,156$1,883$2,557$2,120
Ashford$2,140$178$2,727$1,986$1,749$2,302$1,934
Ashland$2,105$175$2,782$1,919$1,684$2,251$1,891
Ashville$2,292$191$2,962$2,115$1,854$2,462$2,069
Athens$2,217$185$2,827$2,060$1,807$2,380$2,011
Atmore$2,214$185$2,946$2,010$1,762$2,377$1,977
Attalla$2,395$200$3,069$2,224$1,947$2,569$2,166
Auburn$2,196$183$2,813$2,036$1,790$2,359$1,983
Auburn University$2,184$182$2,801$2,024$1,778$2,346$1,971
Axis$2,405$200$3,086$2,231$1,952$2,587$2,167
Babbie$2,055$171$2,732$1,867$1,641$2,202$1,836
Baileyton$2,206$184$2,840$2,039$1,786$2,369$1,994
Ballplay$2,370$198$3,060$2,190$1,921$2,537$2,143
Banks$2,287$191$3,013$2,093$1,835$2,449$2,045
Bankston$2,214$185$2,930$2,014$1,764$2,377$1,985
Bay Minette$2,115$176$2,712$1,958$1,721$2,274$1,908
Bayou La Batre$2,536$211$3,264$2,357$2,054$2,726$2,282
Beaverton$2,097$175$2,773$1,910$1,676$2,245$1,879
Bellamy$2,313$193$3,057$2,107$1,849$2,480$2,073
Belle Fontaine$2,564$214$3,287$2,389$2,081$2,754$2,308
Berry$2,291$191$3,037$2,084$1,819$2,463$2,051
Bessemer$2,577$215$3,286$2,398$2,099$2,769$2,333
Birmingham$2,704$225$3,447$2,522$2,201$2,904$2,447
Black$2,031$169$2,614$1,870$1,653$2,184$1,834
Blue Ridge$2,359$197$3,006$2,192$1,928$2,535$2,132
Boaz$2,332$194$3,000$2,159$1,889$2,504$2,105
Boligee$2,359$197$3,132$2,143$1,879$2,532$2,108
Brent$2,239$187$2,939$2,057$1,795$2,396$2,008
Brewton$2,218$185$2,959$2,009$1,758$2,383$1,978
Bridgeport$2,188$182$2,868$1,999$1,754$2,348$1,968
Brighton$2,744$229$3,525$2,553$2,226$2,943$2,475
Brilliant$2,144$179$2,841$1,949$1,710$2,298$1,922
Brook Highland$2,533$211$3,183$2,375$2,079$2,725$2,302
Brookside$2,639$220$3,379$2,457$2,145$2,831$2,384
Brookwood$2,448$204$3,125$2,276$1,993$2,630$2,216
Brownsboro$2,416$201$3,054$2,259$1,975$2,605$2,190
Brundidge$2,125$177$2,770$1,955$1,714$2,281$1,907
Bryant$2,197$183$2,886$2,006$1,759$2,358$1,974
Buhl$2,356$196$2,998$2,192$1,926$2,532$2,133
Calera$2,377$198$3,044$2,205$1,929$2,559$2,147
Calvert$2,335$195$3,115$2,116$1,853$2,507$2,085
Camden$2,353$196$3,171$2,123$1,856$2,525$2,090
Camp Hill$2,188$182$2,859$2,006$1,763$2,347$1,966
Carbon Hill$2,309$192$3,029$2,112$1,846$2,481$2,075
Carlisle-Rockledge$2,351$196$3,017$2,183$1,909$2,522$2,125
Carrollton$2,259$188$3,002$2,059$1,798$2,419$2,018
Cedar Bluff$2,174$181$2,834$1,998$1,751$2,330$1,957
Center Point$2,815$235$3,593$2,624$2,288$3,021$2,547
Centre$2,198$183$2,866$2,022$1,769$2,357$1,976
Centreville$2,229$186$2,906$2,051$1,794$2,387$2,007
Chancellor$2,082$174$2,670$1,927$1,697$2,238$1,881
Chatom$2,316$193$3,114$2,090$1,829$2,488$2,061
Chelsea$2,616$218$3,299$2,445$2,147$2,815$2,373
Cherokee$2,133$178$2,775$1,966$1,718$2,286$1,921
Chickasaw$2,506$209$3,227$2,327$2,030$2,690$2,254
Childersburg$2,338$195$3,019$2,156$1,894$2,511$2,110
Choccolocco$2,255$188$2,904$2,090$1,825$2,421$2,035
Chunchula$2,580$215$3,322$2,396$2,090$2,771$2,322
Citronelle$2,532$211$3,294$2,326$2,040$2,726$2,273
Clanton$2,225$185$2,900$2,045$1,790$2,389$2,000
Coaling$2,453$204$3,134$2,282$1,995$2,634$2,218
Coats Bend$2,411$201$3,087$2,240$1,961$2,586$2,181
Coden$2,538$211$3,262$2,359$2,056$2,727$2,284
Coffee Springs$2,065$172$2,659$1,906$1,679$2,217$1,862
Columbia$2,135$178$2,733$1,975$1,742$2,296$1,930
Columbiana$2,413$201$3,069$2,247$1,966$2,598$2,184
Coosada$2,395$200$3,049$2,231$1,957$2,574$2,163
Cordova$2,481$207$3,237$2,282$1,991$2,662$2,231
Cottondale$2,460$205$3,145$2,287$2,000$2,642$2,224
Courtland$2,199$183$2,846$2,027$1,776$2,359$1,987
Cowarts$2,169$181$2,766$2,015$1,771$2,334$1,960
Coy$2,350$196$3,172$2,119$1,852$2,522$2,087
Cragford$2,123$177$2,805$1,934$1,699$2,270$1,907
Cropwell$2,287$191$2,939$2,118$1,855$2,457$2,064
Crossville$2,251$188$2,925$2,069$1,812$2,420$2,028
Cuba$2,321$193$3,084$2,108$1,848$2,492$2,075
Cullman$2,323$194$2,991$2,152$1,883$2,492$2,099
Cusseta$2,210$184$2,871$2,037$1,786$2,367$1,990
Dadeville$2,140$178$2,797$1,960$1,726$2,293$1,924
Daleville$2,039$170$2,616$1,887$1,661$2,191$1,840
Daphne$2,279$190$2,897$2,127$1,861$2,453$2,057
Dauphin Island$2,427$202$3,104$2,259$1,971$2,615$2,186
Daviston$2,158$180$2,846$1,967$1,730$2,309$1,939
Dawson$2,191$183$2,864$2,011$1,759$2,354$1,970
Deatsville$2,381$198$3,024$2,221$1,949$2,561$2,151
Decatur$2,193$183$2,806$2,032$1,783$2,359$1,985
Deer Park$2,345$195$3,142$2,119$1,854$2,519$2,091
Demopolis$2,323$194$3,090$2,111$1,847$2,493$2,075
Detroit$2,116$176$2,803$1,926$1,689$2,266$1,896
Dickinson$2,312$193$3,105$2,091$1,826$2,483$2,055
Dixons Mills$2,365$197$3,175$2,139$1,871$2,537$2,106
Docena$2,635$220$3,347$2,461$2,152$2,826$2,386
Dolomite$2,665$222$3,418$2,477$2,166$2,857$2,408
Dora$2,497$208$3,229$2,310$2,018$2,678$2,253
Dothan$2,166$181$2,744$2,018$1,776$2,332$1,961
Dozier$2,042$170$2,683$1,859$1,643$2,196$1,832
Duncanville$2,423$202$3,097$2,248$1,972$2,603$2,194
Dunnavant$2,478$206$3,147$2,314$2,023$2,662$2,243
Dutton$2,201$183$2,872$2,018$1,773$2,361$1,981
East Brewton$2,228$186$2,969$2,019$1,768$2,395$1,989
Eastaboga$2,306$192$2,969$2,138$1,864$2,476$2,082
Edgewater$2,706$226$3,476$2,515$2,195$2,903$2,443
Edwardsville$2,171$181$2,846$1,992$1,743$2,321$1,951
Elba$2,103$175$2,735$1,927$1,700$2,261$1,892
Eldridge$2,345$195$3,084$2,141$1,880$2,514$2,108
Elkmont$2,231$186$2,857$2,070$1,812$2,396$2,019
Elmore$2,389$199$3,032$2,226$1,957$2,569$2,162
Emelle$2,327$194$3,103$2,108$1,846$2,499$2,076
Emerald Mountain$2,376$198$3,031$2,207$1,941$2,555$2,148
Enterprise$2,067$172$2,639$1,918$1,687$2,222$1,867
Equality$2,213$184$2,870$2,035$1,793$2,372$1,995
Eufaula$2,244$187$2,937$2,055$1,810$2,402$2,014
Eutaw$2,318$193$3,064$2,115$1,852$2,481$2,075
Evergreen$2,187$182$2,916$1,981$1,743$2,342$1,955
Fackler$2,216$185$2,895$2,029$1,780$2,380$1,996
Fairfield$2,774$231$3,567$2,575$2,248$2,976$2,505
Fairhope$2,262$188$2,866$2,112$1,853$2,433$2,046
Fairview$2,205$184$2,841$2,038$1,784$2,369$1,994
Falkville$2,139$178$2,748$1,981$1,735$2,297$1,933
Fayette$2,222$185$2,939$2,020$1,771$2,384$1,993
Five Points$2,201$183$2,895$2,012$1,767$2,356$1,976
Flat Rock$2,183$182$2,867$1,996$1,749$2,344$1,961
Florala$2,054$171$2,700$1,871$1,650$2,209$1,840
Florence$2,153$179$2,735$2,006$1,761$2,310$1,955
Foley$2,231$186$2,835$2,081$1,825$2,398$2,015
Forestdale$2,719$227$3,486$2,528$2,207$2,919$2,456
Forkland$2,357$196$3,099$2,162$1,890$2,524$2,113
Fort Deposit$2,243$187$2,982$2,037$1,785$2,405$2,004
Fort Mitchell$2,492$208$3,209$2,307$2,024$2,681$2,241
Fort Payne$2,101$175$2,730$1,932$1,696$2,252$1,893
Fort Rucker$2,013$168$2,581$1,864$1,640$2,166$1,816
Franklin$2,302$192$3,105$2,074$1,815$2,472$2,046
Fulton$2,292$191$3,075$2,073$1,812$2,461$2,039
Fultondale$2,602$217$3,328$2,422$2,114$2,793$2,355
Gadsden$2,421$202$3,086$2,251$1,975$2,597$2,193
Gallion$2,358$197$3,127$2,155$1,880$2,521$2,109
Gardendale$2,533$211$3,233$2,358$2,062$2,718$2,292
Gaylesville$2,122$177$2,769$1,947$1,710$2,275$1,910
Geneva$2,023$169$2,605$1,865$1,646$2,173$1,826
Georgiana$2,151$179$2,869$1,946$1,712$2,304$1,922
Geraldine$2,225$185$2,903$2,042$1,786$2,391$2,001
Gilbertown$2,277$190$3,060$2,057$1,798$2,446$2,025
Glencoe$2,406$200$3,066$2,234$1,963$2,584$2,182
Good Hope$2,293$191$2,955$2,123$1,859$2,458$2,071
Goodwater$2,192$183$2,862$2,011$1,765$2,349$1,972
Gordonville$2,375$198$3,126$2,163$1,904$2,553$2,130
Goshen$2,164$180$2,826$1,980$1,744$2,323$1,947
Grady$2,338$195$3,020$2,148$1,898$2,518$2,108
Grand Bay$2,539$212$3,253$2,365$2,063$2,727$2,288
Grayson Valley$2,686$224$3,430$2,508$2,183$2,883$2,426
Graysville$2,602$217$3,326$2,422$2,118$2,791$2,354
Greensboro$2,342$195$3,107$2,138$1,865$2,509$2,092
Greenville$2,157$180$2,877$1,954$1,716$2,311$1,927
Grimes$2,133$178$2,738$1,973$1,735$2,292$1,926
Groveoak$2,178$182$2,836$2,004$1,754$2,337$1,961
Guin$2,122$177$2,807$1,931$1,695$2,274$1,903
Gulf Shores$2,264$189$2,870$2,112$1,855$2,435$2,046
Guntersville$2,303$192$2,950$2,132$1,869$2,478$2,085
Gurley$2,379$198$3,041$2,206$1,931$2,560$2,155
Hackleburg$2,155$180$2,856$1,958$1,718$2,309$1,931
Hackneyville$2,151$179$2,805$1,973$1,735$2,306$1,937
Haleyville$2,154$179$2,848$1,962$1,718$2,308$1,932
Hamilton$2,127$177$2,816$1,936$1,699$2,279$1,906
Hammondville$2,143$179$2,794$1,966$1,726$2,300$1,930
Hanceville$2,331$194$3,021$2,151$1,881$2,501$2,104
Harpersville$2,425$202$3,118$2,244$1,967$2,603$2,193
Hartford$2,044$170$2,617$1,889$1,667$2,196$1,848
Hartselle$2,146$179$2,746$1,989$1,745$2,306$1,943
Harvest$2,371$198$2,978$2,221$1,951$2,553$2,154
Hatchechubbee$2,399$200$3,096$2,207$1,952$2,577$2,164
Hayneville$2,367$197$3,109$2,159$1,900$2,544$2,124
Hazel Green$2,282$190$2,914$2,122$1,856$2,455$2,065
Headland$2,137$178$2,743$1,977$1,740$2,296$1,930
Heflin$2,210$184$2,888$2,033$1,776$2,365$1,987
Helena$2,495$208$3,146$2,335$2,046$2,681$2,266
Henagar$2,125$177$2,775$1,949$1,711$2,279$1,911
Highland Home$2,183$182$2,857$1,989$1,759$2,347$1,962
Highland Lake$2,377$198$3,084$2,188$1,919$2,549$2,142
Highland Lakes$2,584$215$3,235$2,427$2,128$2,780$2,351
Hodges$2,144$179$2,821$1,961$1,717$2,300$1,924
Hokes Bluff$2,397$200$3,051$2,228$1,958$2,572$2,174
Holly Pond$2,285$190$2,963$2,108$1,841$2,450$2,061
Hollytree$2,259$188$2,918$2,077$1,828$2,428$2,043
Hollywood$2,188$182$2,851$2,007$1,762$2,348$1,973
Holt$2,461$205$3,119$2,298$2,014$2,648$2,228
Holtville$2,373$198$3,026$2,206$1,938$2,551$2,143
Homewood$2,519$210$3,172$2,362$2,065$2,710$2,287
Honoraville$2,166$180$2,850$1,972$1,736$2,328$1,941
Hoover$2,539$212$3,191$2,381$2,083$2,732$2,307
Horton$2,247$187$2,894$2,074$1,818$2,416$2,033
Houston$2,197$183$2,898$2,003$1,753$2,356$1,976
Hueytown$2,514$209$3,193$2,343$2,055$2,703$2,275
Huguley$2,224$185$2,905$2,044$1,792$2,382$1,999
Huntsville$2,334$195$2,938$2,184$1,916$2,514$2,119
Indian Springs Village$2,564$214$3,225$2,403$2,103$2,759$2,331
Irondale$2,630$219$3,337$2,459$2,147$2,825$2,382
Irvington$2,526$210$3,238$2,352$2,051$2,712$2,276
Ivalee$2,384$199$3,059$2,213$1,936$2,558$2,156
Jack$2,040$170$2,639$1,878$1,656$2,189$1,837
Jackson$2,374$198$3,172$2,148$1,880$2,551$2,119
Jacksons Gap$2,155$180$2,810$1,977$1,741$2,310$1,938
Jacksonville$2,214$185$2,845$2,053$1,796$2,376$2,001
Jasper$2,463$205$3,218$2,262$1,975$2,645$2,213
Jemison$2,273$189$2,980$2,089$1,820$2,435$2,039
Jones$2,400$200$3,136$2,198$1,932$2,584$2,151
Joppa$2,235$186$2,877$2,066$1,810$2,402$2,021
Kansas$2,309$192$3,031$2,112$1,846$2,481$2,076
Kellyton$2,197$183$2,853$2,020$1,777$2,356$1,978
Kennedy$2,185$182$2,900$1,984$1,738$2,342$1,958
Kimberly$2,410$201$3,105$2,232$1,952$2,587$2,175
Kinsey$2,171$181$2,750$2,022$1,780$2,337$1,964
Kinston$2,068$172$2,693$1,896$1,670$2,224$1,858
La Fayette$2,210$184$2,903$2,021$1,773$2,366$1,987
Lanett$2,227$186$2,909$2,046$1,794$2,384$2,001
Lapine$2,311$193$3,027$2,112$1,863$2,482$2,074
Leeds$2,508$209$3,184$2,342$2,048$2,694$2,274
Leroy$2,324$194$3,107$2,104$1,841$2,497$2,072
Lester$2,181$182$2,810$2,014$1,766$2,339$1,974
Letohatchee$2,267$189$2,969$2,068$1,825$2,436$2,035
Level Plains$2,045$170$2,629$1,891$1,664$2,198$1,845
Lexington$2,134$178$2,743$1,975$1,732$2,288$1,932
Lillian$2,209$184$2,810$2,056$1,808$2,374$1,997
Lincoln$2,236$186$2,884$2,067$1,811$2,400$2,017
Linden$2,370$197$3,173$2,145$1,877$2,540$2,113
Lineville$2,100$175$2,772$1,916$1,681$2,244$1,886
Lipscomb$2,781$232$3,577$2,584$2,252$2,983$2,509
Littleville$2,161$180$2,794$1,996$1,748$2,319$1,948
Livingston$2,331$194$3,089$2,120$1,859$2,502$2,085
Lookout Mountain$2,384$199$3,055$2,214$1,938$2,558$2,157
Loxley$2,228$186$2,845$2,074$1,816$2,396$2,009
Luverne$2,181$182$2,861$1,985$1,754$2,345$1,960
Lynn$2,195$183$2,919$1,994$1,741$2,354$1,965
Madison$2,283$190$2,871$2,137$1,875$2,457$2,074
Magnolia Springs$2,255$188$2,870$2,100$1,842$2,425$2,036
Malvern$2,129$177$2,712$1,980$1,740$2,291$1,924
Marbury$2,348$196$3,016$2,175$1,910$2,523$2,117
Margaret$2,315$193$2,978$2,143$1,874$2,490$2,091
Marion$2,336$195$3,106$2,131$1,859$2,500$2,085
Marion Junction$2,457$205$3,254$2,237$1,961$2,634$2,198
Mathews$2,377$198$3,085$2,193$1,921$2,551$2,136
Maylene$2,403$200$3,070$2,236$1,954$2,586$2,172
McCalla$2,489$207$3,178$2,308$2,028$2,673$2,256
McDonald Chapel$2,698$225$3,470$2,506$2,186$2,895$2,435
Meadowbrook$2,566$214$3,221$2,406$2,107$2,761$2,333
Mentone$2,134$178$2,781$1,957$1,719$2,289$1,921
Meridianville$2,365$197$2,990$2,211$1,935$2,549$2,142
Midfield$2,767$231$3,564$2,567$2,240$2,969$2,498
Midland City$2,116$176$2,713$1,959$1,723$2,274$1,910
Millbrook$2,359$197$3,005$2,197$1,926$2,537$2,131
Minor$2,722$227$3,493$2,530$2,209$2,920$2,458
Minter$2,352$196$3,151$2,132$1,865$2,519$2,095
Mobile$2,608$217$3,326$2,435$2,124$2,804$2,353
Monroeville$2,278$190$3,042$2,065$1,808$2,445$2,032
Montevallo$2,348$196$3,005$2,180$1,907$2,526$2,122
Montgomery$2,505$209$3,187$2,336$2,048$2,693$2,261
Moody$2,328$194$2,975$2,164$1,892$2,501$2,106
Moores Mill$2,319$193$2,924$2,167$1,901$2,497$2,105
Morris$2,464$205$3,170$2,289$1,995$2,644$2,221
Moulton$2,216$185$2,865$2,041$1,791$2,380$2,001
Moundville$2,402$200$3,090$2,219$1,952$2,578$2,173
Mount Olive$2,527$211$3,233$2,349$2,054$2,714$2,284
Mountain Brook$2,564$214$3,225$2,404$2,102$2,760$2,327
Mulga$2,641$220$3,395$2,452$2,142$2,830$2,384
Muscle Shoals$2,152$179$2,759$2,000$1,749$2,308$1,945
Napier Field$2,130$177$2,727$1,974$1,734$2,290$1,923
Needham$2,290$191$3,065$2,072$1,814$2,458$2,042
New Brockton$2,115$176$2,711$1,958$1,723$2,272$1,910
New Hope$2,316$193$2,959$2,149$1,882$2,493$2,096
New Site$2,159$180$2,841$1,971$1,733$2,310$1,941
Newton$2,068$172$2,645$1,916$1,688$2,224$1,870
Newville$2,120$177$2,723$1,957$1,726$2,276$1,916
Northport$2,399$200$3,058$2,233$1,954$2,582$2,169
Notasulga$2,309$192$2,975$2,128$1,878$2,476$2,087
Odenville$2,300$192$2,954$2,130$1,864$2,473$2,078
Ohatchee$2,297$191$2,964$2,125$1,859$2,465$2,072
Oneonta$2,403$200$3,122$2,211$1,938$2,579$2,167
Opelika$2,236$186$2,875$2,070$1,817$2,403$2,015
Opp$2,016$168$2,643$1,837$1,623$2,167$1,808
Orange Beach$2,256$188$2,857$2,107$1,851$2,427$2,039
Our Town$2,138$178$2,786$1,961$1,726$2,291$1,925
Owens Cross Roads$2,369$197$3,011$2,207$1,928$2,551$2,146
Oxford$2,298$192$2,947$2,133$1,865$2,469$2,077
Ozark$2,034$169$2,619$1,877$1,652$2,184$1,835
Parrish$2,517$210$3,289$2,312$2,018$2,701$2,263
Pelham$2,529$211$3,189$2,367$2,074$2,721$2,295
Pell City$2,300$192$2,942$2,136$1,872$2,472$2,081
Pennington$2,305$192$3,076$2,090$1,829$2,474$2,057
Perdido$2,128$177$2,765$1,950$1,719$2,296$1,908
Perdido Beach$2,204$184$2,795$2,057$1,806$2,370$1,991
Phenix City$2,469$206$3,154$2,295$2,014$2,658$2,224
Phil Campbell$2,131$178$2,807$1,947$1,705$2,285$1,913
Piedmont$2,209$184$2,882$2,035$1,777$2,365$1,989
Pike Road$2,545$212$3,217$2,376$2,092$2,737$2,303
Pinckard$2,124$177$2,728$1,965$1,727$2,284$1,916
Pine Level$2,393$199$3,044$2,229$1,956$2,574$2,162
Pinson$2,622$218$3,352$2,444$2,131$2,812$2,370
Pisgah$2,215$185$2,894$2,029$1,781$2,376$1,993
Pittsview$2,491$208$3,206$2,300$2,028$2,677$2,243
Plantersville$2,395$200$3,181$2,178$1,906$2,572$2,137
Pleasant Grove$2,648$221$3,379$2,460$2,157$2,848$2,397
Point Clear$2,278$190$2,886$2,127$1,867$2,450$2,061
Powell$2,136$178$2,787$1,961$1,719$2,292$1,920
Prattville$2,375$198$3,029$2,210$1,937$2,555$2,144
Priceville$2,170$181$2,780$2,010$1,763$2,335$1,963
Prichard$2,555$213$3,283$2,374$2,071$2,743$2,302
Quinton$2,522$210$3,264$2,329$2,036$2,703$2,277
Rainbow City$2,426$202$3,095$2,255$1,977$2,602$2,198
Rainsville$2,123$177$2,768$1,951$1,710$2,277$1,908
Randolph$2,271$189$2,978$2,082$1,818$2,434$2,041
Red Bay$2,182$182$2,874$1,995$1,743$2,342$1,958
Red Level$2,093$174$2,789$1,898$1,667$2,244$1,870
Redland$2,384$199$3,038$2,215$1,949$2,563$2,156
Reeltown$2,270$189$2,947$2,090$1,835$2,435$2,043
Rehobeth$2,143$179$2,711$1,997$1,759$2,308$1,940
Remlap$2,483$207$3,200$2,295$2,012$2,664$2,246
Riverside$2,307$192$2,979$2,136$1,865$2,476$2,080
Roanoke$2,194$183$2,901$2,001$1,754$2,349$1,966
Robertsdale$2,186$182$2,787$2,033$1,785$2,350$1,974
Rock Mills$2,195$183$2,897$2,003$1,757$2,349$1,967
Rockford$2,185$182$2,861$1,999$1,755$2,343$1,965
Rogersville$2,182$182$2,795$2,025$1,775$2,341$1,977
Russellville$2,182$182$2,853$2,003$1,751$2,340$1,964
Saint Stephens$2,335$195$3,127$2,112$1,848$2,509$2,081
Saks$2,272$189$2,898$2,112$1,850$2,441$2,057
Salem$2,401$200$3,095$2,224$1,948$2,582$2,158
Samson$2,054$171$2,654$1,886$1,666$2,213$1,849
Saraland$2,497$208$3,219$2,318$2,022$2,679$2,246
Sardis City$2,360$197$3,038$2,186$1,911$2,534$2,130
Satsuma$2,403$200$3,067$2,234$1,957$2,585$2,170
Scottsboro$2,214$185$2,872$2,034$1,788$2,378$2,001
Seale$2,527$211$3,239$2,338$2,060$2,719$2,278
Selma$2,449$204$3,232$2,235$1,959$2,625$2,193
Selmont-West Selmont$2,459$205$3,248$2,243$1,965$2,636$2,202
Sheffield$2,162$180$2,775$2,007$1,755$2,319$1,954
Shelby$2,316$193$2,965$2,144$1,884$2,490$2,096
Shoal Creek$2,561$213$3,212$2,404$2,106$2,756$2,329
Shorter$2,375$198$3,062$2,193$1,930$2,547$2,142
Silverhill$2,247$187$2,856$2,095$1,837$2,416$2,030
Skipperville$2,073$173$2,685$1,906$1,679$2,226$1,868
Slocomb$2,105$175$2,690$1,954$1,716$2,264$1,900
Smiths Station$2,398$200$3,066$2,228$1,954$2,581$2,159
Smoke Rise$2,416$201$3,131$2,230$1,951$2,588$2,179
Southside$2,401$200$3,063$2,233$1,957$2,578$2,174
Spanish Fort$2,207$184$2,820$2,051$1,798$2,375$1,991
Spruce Pine$2,180$182$2,866$1,996$1,744$2,339$1,955
Steele$2,265$189$2,914$2,091$1,835$2,435$2,050
Sterrett$2,410$201$3,072$2,246$1,961$2,596$2,178
Stevenson$2,213$184$2,892$2,025$1,778$2,375$1,993
Stewartville$2,277$190$2,955$2,096$1,839$2,443$2,053
Sulligent$2,101$175$2,783$1,912$1,677$2,250$1,882
Sumiton$2,456$205$3,188$2,267$1,980$2,632$2,215
Susan Moore$2,262$188$2,925$2,084$1,823$2,432$2,045
Sycamore$2,284$190$2,977$2,102$1,837$2,447$2,056
Sylacauga$2,252$188$2,923$2,075$1,819$2,418$2,029
Sylvania$2,131$178$2,778$1,957$1,717$2,286$1,916
Talladega$2,232$186$2,896$2,056$1,801$2,394$2,013
Tallassee$2,306$192$2,987$2,125$1,866$2,474$2,077
Tarrant$2,814$235$3,600$2,618$2,286$3,020$2,547
Taylor$2,133$178$2,700$1,988$1,750$2,297$1,931
Theodore$2,615$218$3,346$2,438$2,126$2,810$2,357
Thomasville$2,311$193$3,104$2,090$1,825$2,480$2,056
Thorsby$2,241$187$2,932$2,058$1,800$2,401$2,013
Tibbie$2,328$194$3,116$2,105$1,843$2,500$2,074
Tidmore Bend$2,457$205$3,138$2,284$2,002$2,635$2,225
Tillmans Corner$2,605$217$3,325$2,432$2,119$2,800$2,349
Toney$2,343$195$2,989$2,181$1,906$2,521$2,120
Town Creek$2,190$183$2,828$2,020$1,772$2,349$1,982
Toxey$2,289$191$3,066$2,070$1,811$2,457$2,041
Trafford$2,513$209$3,247$2,320$2,030$2,698$2,269
Trinity$2,229$186$2,853$2,064$1,812$2,399$2,017
Troy$2,223$185$2,904$2,043$1,792$2,383$1,994
Trussville$2,564$214$3,258$2,392$2,093$2,752$2,324
Tuscaloosa$2,417$201$3,076$2,254$1,971$2,600$2,184
Tuscumbia$2,192$183$2,810$2,035$1,781$2,351$1,982
Tuskegee$2,343$195$3,058$2,153$1,887$2,512$2,103
Tuskegee Institute$2,359$197$3,081$2,167$1,899$2,530$2,117
Tyler$2,405$200$3,207$2,183$1,909$2,577$2,149
Underwood-Petersville$2,126$177$2,711$1,976$1,734$2,281$1,928
Union Springs$2,373$198$3,137$2,166$1,898$2,542$2,122
Uniontown$2,419$202$3,233$2,198$1,918$2,595$2,153
Valhermoso Springs$2,232$186$2,861$2,069$1,811$2,398$2,019
Valley$2,246$187$2,925$2,071$1,812$2,406$2,018
Valley Grande$2,437$203$3,223$2,222$1,946$2,612$2,181
Valley Head$2,131$178$2,776$1,956$1,718$2,286$1,919
Vance$2,467$206$3,160$2,287$2,005$2,648$2,233
Vandiver$2,407$201$3,070$2,236$1,960$2,587$2,180
Vernon$2,143$179$2,848$1,947$1,706$2,297$1,918
Vestavia Hills$2,522$210$3,165$2,368$2,072$2,713$2,291
Vina$2,184$182$2,871$1,999$1,746$2,343$1,959
Vincent$2,429$202$3,115$2,250$1,972$2,611$2,196
Vinegar Bend$2,336$195$3,138$2,107$1,844$2,509$2,081
Walnut Grove$2,240$187$2,885$2,069$1,811$2,407$2,025
Warrior$2,409$201$3,106$2,230$1,950$2,582$2,174
Waverly$2,226$186$2,889$2,051$1,798$2,387$2,005
Weaver$2,269$189$2,902$2,108$1,846$2,436$2,053
Webb$2,189$182$2,777$2,036$1,794$2,355$1,981
Wellington$2,254$188$2,887$2,091$1,833$2,420$2,040
Weogufka$2,226$186$2,901$2,043$1,795$2,387$2,006
West End-Cobb Town$2,289$191$2,922$2,127$1,861$2,460$2,072
Wetumpka$2,338$195$2,991$2,168$1,906$2,512$2,111
Whatley$2,319$193$3,119$2,095$1,830$2,491$2,063
White Plains$2,204$184$2,854$2,039$1,777$2,367$1,986
Wilmer$2,626$219$3,378$2,439$2,127$2,822$2,366
Winfield$2,145$179$2,844$1,949$1,709$2,299$1,923
Woodstock$2,354$196$3,082$2,165$1,884$2,524$2,117
Woodville$2,260$188$2,935$2,073$1,823$2,425$2,042
York$2,312$193$3,064$2,102$1,843$2,481$2,068

* FIND YOUR CITY – SEARCH BAR – TOP RIGHT OF TABLE *


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:

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:

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

What determines your insurance premium?

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

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.