Alabama car insurance
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Alabama car insurance quotes
Car insurance in Alabama costs $1,678 per year on average, which is 26% less than the national average. In May 2026, the average cost of minimum coverage in Alabama was $1,057 and the cost of full coverage was $2,265.
| City | Average cost of car insurance per month |
|---|---|
| Birmingham | $164 |
| Mobile | $176 |
| Montgomery | $178 |
| Huntsville | $141 |
| Tuscaloosa | $164 |
| Madison | $159 |
| Foley | $145 |
| Bessemer | $166 |
| Gadsden | $112 |
| Dothan | $121 |
Alabama car insurance requirements
Here’s a look at the minimum coverage amounts required by law in Alabama.
| Coverage | Minimum amount required by Alabama |
|---|---|
| Bodily injury coverage | $25,000 per person / $50,000 total per accident |
| Property damage coverage | $25,000 per accident |
While the minimum coverage amounts above satisfy Alabama‘s requirements, it’s typically a good idea to carry additional protection to make sure you’re adequately covered in an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in Alabama
To save money and find the cheapest car insurance in Alabama, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Root | $135 | 28% savings |
| National General | $143 | 24% savings |
| Liberty Mutual - Direct | $149 | 21% savings |
| Liberty Mutual - Agency | $179 | 5% savings |
| Progressive | $184 | 2% savings |
| Nationwide | $186 | 1% savings |
| GEICO | $195 | 3% more |
| Assurance America | $200 | 6% more |
| Gainsco | $221 | 17% more |
| Bristol West | $239 | 27% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| National General | $61 | 31% savings |
| Liberty Mutual - Direct | $66 | 25% savings |
| Root | $76 | 13% savings |
| Progressive | $77 | 12% savings |
| Gainsco | $78 | 12% savings |
| Liberty Mutual - Agency | $82 | 6% savings |
| Assurance America | $87 | 1% savings |
| Bristol West | $87 | 1% savings |
| GEICO | $89 | 1% more |
| Hugo Insurance | $100 | 14% more |
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Car insurance by state
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Frequently asked questions
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