{"id":119,"date":"2023-10-12T11:30:58","date_gmt":"2023-10-12T11:30:58","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=119"},"modified":"2023-10-12T11:31:00","modified_gmt":"2023-10-12T11:31:00","slug":"alabama-car-insurance","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/car-insurance\/alabama-car-insurance\/","title":{"rendered":"Alabama Car Insurance: Coverage, Cost & Best Options"},"content":{"rendered":"

Motorists in the state of Alabama are required by law to carry liability insurance on their cars, motorcycles, trucks, pickups, and recreational vehicles. The goal here is to ensure everyone’s safety after a car crash. Alabama law says that uninsured drivers can’t register, keep, or drive a car that doesn’t have at least the bare minimum of liability insurance. Read on to learn more about Alabama car insurance coverage, rates, and requirements. Enjoy the ride!<\/p>

Best Alabama Car Insurance <\/span><\/h2>

Finding affordable car insurance in Alabama can be a challenge if you don’t know the rules and regulations. The same factors used across the nation determine insurance rates in Alabama. These include the policyholder’s driving record, age, vehicle make and model, and residence. Finding cheap car insurance in Alabama begins with knowing what coverage you need and how it will affect your rates. The following are the best Alabama car insurance companies you can go for:<\/p>

#1. State Farm<\/span><\/h3>

The average full coverage quotation from State Farm is $1,185 annually, 29% less than the average for the state of Alabama. At about $37 a month, State Farm is far and away Alabama’s least expensive auto insurer. If you purchase less insurance, your monthly payments may be lower, but you will be less protected in the event of an accident. In Alabama, drivers who have been ticketed for speeding can get the best rates by shopping with State Farm, which averages about $107 per month. Insurance from State Farm is $710 cheaper annually for people who have received a speeding ticket than the national average.<\/p>

After a collision where you are found at fault, the average monthly premium for State Farm drops to about $120. If you have a history of accidents or citations, you may want to look into State Farm because their prices are 43% lower than the national average.<\/p>

#2. Allstate<\/span><\/h3>

Allstate offers the most affordable rates to drivers with a DUI, at $179 per month\u201423% less expensive than the average rate of $232 per month for drivers with a DUI. The cost of auto insurance in Alabama can increase by as much as 67% if you have a DWI.<\/p>

#3. Nationwide<\/span><\/h3>

If you have bad credit and need car insurance, Nationwide has the lowest prices, on average saving you $74. In Alabama, car insurance rates for drivers with bad credit are over 63% higher than those with excellent credit.\u00a0 AM Best has given Nationwide an A+ for financial strength, which means that customers can trust the firm to pay for their accident’s damages. SmartRide\u00ae and SmartMiles\u00ae are two of the provider’s programs that may also appeal to drivers interested in usage-based insurance.<\/p>

#4. Geico<\/span><\/h3>

In Alabama, Geico is one of the least expensive car insurance companies overall for a number of different types of drivers. The company has an above-average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, indicating good customer satisfaction with its claims procedure, and a strong financial strength rating, showing that it can reliably cover claims.<\/p>

#5. USAA<\/span><\/h3>

When shopping for car insurance in Alabama, active-duty military personnel, veterans, and their families should seriously consider USAA’s offerings. According to the J.D. Power 2021 U.S. Auto Insurance StudySM, the company’s customer service is the best in the Southeast. For individuals who are eligible, it is a good option because it has among the lowest prices in Alabama.<\/p>

#6. Travelers<\/span><\/h3>

If you’re a young driver in Alabama, Travelers is a good option because of its low rates. New vehicle replacement, ridesharing insurance, roadside assistance, and accident forgiveness are just a few of the coverage choices provided by the company.<\/p>

Note: Prices can change at any time. So, always check the site of any of the car insurance companies you want to go for and get their current quotation whenever you are ready to buy your car insurance<\/strong><\/em><\/p>

Alabama Car Insurance Requirements<\/span><\/h2>

The state of Alabama, like many others, mandates minimum levels of auto insurance coverage for all drivers. There are several alternatives to consider while shopping for auto insurance in Alabama, but the state’s minimum requirements should be your primary focus. The state of Alabama requires a minimum of 25\/50\/25 coverage for car liability insurance. The abbreviation means:<\/p>