Updated: November 21, 2024
Advertising & Editorial Disclosure
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Knowing how to properly estimate how much car insurance you need can help you save money. With MoneyGeek’s easy-to-use car insurance calculator, you can estimate your Alabama car insurance costs and get an instant estimate of costs.
We examined how car insurance rates are determined in Alabama. We then compiled this guide to help you better understand how much your Alabama car insurance will cost so that you can determine which factors are influencing your premium.
Auto insurance quotes in Alabama often take 10-15 minutes to get because of the variety of information that has to be provided.
MoneyGeek’s car insurance calculator provides an instant quote for you based on your information. By entering your age, driving record, vehicle type and coverage levels in our car insurance calculator, you’ll get a personalized estimate of what you might pay for Alabama car insurance coverage.
The factors that have the most influence on car insurance in Alabama, according to our calculator, are adding a teen driver, age of driver and coverage levels. However, based on your individual profile, the most important factor for you may differ.
To get an idea of what your premiums will be, try using our car insurance calculator or browse our list of model drivers in Alabama with the most affordable car insurance rates.
We compared the average cost of car insurance in Alabama to the rates in other states to see how they compare.
MoneyGeek also rated Alabama's best car insurance providers if you're not only concerned with price.
Auto insurance providers in Alabama calculate car insurance premiums based on a variety of factors. Adding a teen driver, age of driver and coverage levels are the most critical factors in calculating your car insurance costs. In Alabama, the age of the driver can multiply your car insurance rates by 2.28x.
Adding a teen driver to your policy will result in higher car insurance costs. This is because teen drivers are known for being reckless, causing insurers to charge you extra for adding them to your policy.
In Alabama, adding a teen driver to your policy is the most expensive factor affecting your car insurance rates. It can multiply your car insurance rates by 3.1x.
Premiums are based on coverage levels. Your coverage level is one of the most important factors in calculating how much you pay for car insurance. An insurer needs to know how many miles you drive each year, what type of coverage you need and your deductible in order to determine your quote.
The cheapest policy option is state minimum liability-only, while the most expensive is full coverage with a $500 deductible and 100/300/100 liability. Full coverage can multiply your premiums by 2.4x.
The age of the driver is important when calculating car insurance premiums in Alabama. For example, younger drivers make more mistakes than older drivers and are therefore more likely to be involved in an accident. As a result, they pay more for car insurance. If you are between the ages of 19 and 20, your premium will be much higher than if you were 40.
In Alabama, the cheapest car insurance is for a 40-year-old and the most expensive is for a 19- to 20-year-old. The age of the driver can multiply your car insurance costs by 2.28x.
Maintaining an excellent credit score is required in order to get cheap Alabama car insurance rates. The higher your credit score, particularly when combined with a clean driving record and no accidents, the more likely you are to get cheap Alabama car insurance premiums.
Drivers with excellent credit in Alabama get the cheapest car insurance rates, while drivers with poor credit pay higher car insurance premiums. In Alabama, having a poor credit score can multiply your car insurance prices by 2.2x.
The type of car you drive has a significant impact on your car insurance rates. Luxury cars are more expensive to repair than regular cars and have a higher replacement value, so they result in higher premiums. In addition, some models carry a higher risk of theft and damage than others, which results in a need for extra protection. The same holds true for sports cars versus SUVs and sedans.
You can pay up to 2x more if you drive a more expensive car model.
Alabama's car insurance costs are significantly influenced by the amount of insurance you purchase. Finding the correct mix between cost and protection is easier when you know how much you need.
According to Alabama law, you are required to have $20,000 in bodily injury liability insurance, $50,000 in bodily injury liability insurance per accident and $25,000 in property damage liability insurance. Depending on your circumstances, you may want to consider purchasing additional comprehensive and collision coverage.
By reviewing Alabama’s minimum car insurance requirements, you can find out how much car insurance you need to buy.
Only $25,000 of bodily injury liability per person with up to $50,000 in bodily injury liability total is covered under the state of Alabama's insurance policy. Comprehensive and collision insurance, which protects against damage to your car, is not required in Alabama.
Drivers who want to protect themselves financially in case of a severe accident may need to get liability insurance that is higher than the Alabama state minimum.
In Alabama, a policy that covers you for $300,000 in bodily injury liability per accident costs an average of $755.45 a year, compared to $506.64 for the state's minimum liability insurance.
Comprehensive and collision coverage are optional in Alabama. However, they are often required by lenders. Drivers should consider purchasing full coverage since it may protect you against practically any form of loss or damage to your car.
In Alabama, it costs an average of $407 a year to add comprehensive and collision coverage with a $1,000 deductible. Keep in mind that a car worth only a few thousand dollars may not need hundreds of dollars in annual insurance premiums.
In Alabama, uninsured/underinsured motorist coverage is not mandated by law. The uninsured motorist rate in Alabama, at 19.5%, putting it in the top ten states in the United States with the most uninsured drivers. To guard against uninsured and underinsured drivers, we advise drivers to get uninsured/underinsured motorist coverage.
The state of Alabama does not require personal injury protection. Insurance companies in Alabama provide medical payments coverage as an alternative to PIP, which helps pay for medical expenses arising from an auto crash.
Here are some frequently asked questions regarding how car insurance is calculated in Alabama. It’s a good idea to know the factors that affect your premium before you pay for coverage, as they will help you to make informed decisions about your car insurance.
You can estimate your car insurance prices by providing your insurer with correct personal information, driving history and vehicle information. Based on the information you provide, our car insurance calculator can also offer you with near-instant quotes from several providers.
Auto insurance companies in Alabama base premiums on a variety of factors. Adding a teen driver, the age of the driver and coverage levels affect your car insurance rates.
The level of coverage you buy affects your Alabama auto insurance rates. Liability insurance for bodily injury and property damage is required in Alabama. Knowing how much protection you need makes balancing cost and protection easier.
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Alabama. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
