Estimating the cost of car insurance in Alabama depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Alabama for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Alabama.
- The average annual cost of a full coverage policy in Alabama with liability limits of 100/300/100 is $1,860 or $155 per month.
- Minimum liability coverage in Alabama costs around $433 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Alabama: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in Alabama?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Alabama by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,639 |
| Electric | $2,738 |
| Hatchback | $1,988 |
| Hybrid | $2,350 |
| Luxury Car | $3,174 |
| Luxury SUV | $2,656 |
| Minivan | $1,866 |
| Performance SUV | $3,077 |
| Sedan | $2,162 |
| Sports Car | $3,188 |
| Station Wagon | $2,358 |
| SUV | $1,906 |
| Truck | $2,130 |
| Van | $1,709 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Alabama by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
Alabama car insurance estimates for used cars
Car insurance estimates for used cars in Alabama are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Alabama.
Use the calculator below to determine your car insurance rates for used cars in Alabama, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple stepsFAQ: How to estimate car insurance rates before buying a car in Alabama
How much auto insurance do I need in Alabama?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including Alabama, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Alabama per month?
In Alabama, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $155 a month. On the other hand, state minimum coverage costs $36 and liability policy with limits 50/100/50 is $53 monthly.
Does your age impact how much you pay for insurance in Alabama?
Young drivers often pay more for car insurance in Alabama due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
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Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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