- 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.
In Alabama, estimating the cost of car insurance depends on factors like your age, driving history, ZIP code, and the type of vehicle you own, all of which significantly impact your rates.
With CarInsurance.com’s car insurance calculator, you can get an estimate based on your basic details for three coverage options in Alabama: Full coverage with limits of 100/300/100, liability only with limits of 50/100/50 and state minimum coverage. Use the tool below to see your average insurance rates.
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 costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Alabama by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| 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.”
Find out your estimated car insurance rates in Alabama by using the calculator below based on your vehicle’s make and model.
Insurance rates by car model
Speak with a friendly agent and get your quote in minutes!
Alabama car insurance estimates for used cars
In Alabama, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in Alabama using the calculator below based on your car’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: 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?
In Alabama, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
Calculate car insurance rates in your neighboring states
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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