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Here are the latest stats about car insurance premiums in the state of Alabama.

Being that there are so many Alabama car insurance companies to choose from, this page will help you select the auto insurance plan that works best for you. 

photo: alexsmolik.blogspot.com

Auto Insurance Rates in Alabama

When Alabama actuaries calculate premiums, they consider locational factors like climate, topography, economy, rate of uninsured vehicles, and population density, among other things. They also consider the driver's age, gender, marital status, health, driving history, and type of vehicle owned, to name just a few personalized parameters.

The average annual auto insurance premium for drivers in the state of Alabama was $1,337 last year. This is not too far below the national average, which was about $1,347 at that time.

Although average car insurance premiums cover a broad spectrum of possibilities, you can compare these numbers to your quote whenever you receive a car insurance estimate in Alabama.

Alabama's slightly higher than expected auto insurance premiums may be due to a relatively high percentage of uninsured vehicles on the road. Alabama, Mississippi, Tennessee and Florida rank highest among states in terms of uninsured motorists. 

Minimum Liability Coverage in Alabama

The minimum car insurance required by law in the state of Alabama is $25,000 in Personal Injury Protection (PIP), $50,000 in multiple injury protection, and $25,000 in protection against property damage.

Auto insurance agents refer to these coverage amounts as 25/50/25.

Still, the state mandated car insurance minimums tend not to cover the actual cost of an accident. That's why financial analysts unanimously agree that 100/300 ($100,000 in PIP and $300,000 in per-accident protection) is the optimal coverage for all vehicle owners in America.

Uninsured Motorist Insurance is also recommended. 

Penalties for Uninsured Alabama Drivers

Alabama car owners caught driving uninsured vehicles face fines of up to $500 and a suspended license. This annoyance is followed by a $200 reinstatement fee. The penalties increase with each subsequent offense. 

Discount Car Insurance in Alabama

Alabama carriers typically offer a full range of discounts on car insurance policies. Among the possible cost reductions are

  • Accident-Free Discounts
  • Good Driver Discounts
  • Good Student Discounts
  • Multiple Auto Discounts
  • Multiple Policy Discounts
  • Vehicle Safety Discounts
  • Senior Discounts
  • Family Discounts

...and many more. Check with your local agent for complete details. Always be sure to ask about all available discounts when receiving a quote. 

Get a Car Insurance Estimate

Based on recent consumer satisfaction ratings, the top five auto insurance companies in Alabama and the United States are

  1. Allstate
  2. Auto Owners Insurance
  3. The Hartford
  4. State Farm
  5. 21st Century

Still, some Alabama car owners opt for smaller, local carriers. Alabama has no shortage of regional car insurance companies. 

Most auto insurance companies offer competitive rates for you to compare. Call a few agents near you for quotes.

Just remember to ask about their discounts! 

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