Auto Insurance in Alabama

Average auto insurance in Alabama costs $750-$1,200 per 6 months ($125-$200/month) for full coverage. State minimum coverage costs $300-$450 per 6 months. Your actual rate depends on age, driving record, credit score, vehicle, and location. Birmingham and Mobile typically cost 15-20% more than rural areas due to higher accident rates.

Alabama requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. However, we strongly recommend no less than 100/300/100 with $5,000 medical payments and uninsured motorist coverage, as state minimums are dangerously inadequate for modern accidents.

Absolutely yes. 13-15% of Alabama drivers are uninsured. UM coverage protects you when an uninsured driver causes an accident. It typically costs only $10-15/month and can save you tens of thousands if you're hit by an uninsured driver. This is one of the most important coverages you can buy.

Bundle with home insurance (saves 15-25%), maintain a clean driving record, improve your credit score, increase deductibles (only if you can afford them), ask about all available discounts (good student, defensive driving, low mileage), and shop multiple carriers annually. Independent agents can compare 50+ carriers to find the best rate.

There's no single 'cheapest' carrier—rates vary dramatically by driver profile. GEICO and Progressive advertise heavily but decline 40%+ of applicants. Travelers, Safeco, Foremost Signature, and Allstate often beat them by $400+ for the same coverage. The only way to find your best rate is to compare multiple carriers through an independent agent.

Alabama requires SR-22 (certificate of financial responsibility) for DUI convictions, driving without insurance, or serious traffic violations. SR-22 itself isn't insurance—it's a form your insurer files with the state proving you have coverage. Not all carriers offer SR-22, so you'll need a specialist insurer. Cost typically increases $300-$800/year.