Car insurance premiums in Alabama can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Alabama by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Alabama
In Alabama, Chevrolet TrailBlazer and Hyundai Venue have the cheapest car insurance rates, followed by Honda CR-V and Honda HR-V, based on our research.
The table below highlights the most affordable vehicles to insure in Alabama, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $870 |
| Hyundai Venue | $901 |
| Honda CR-V | $916 |
| Honda HR-V | $923 |
| Toyota Corolla Cross | $945 |
| Kia Seltos | $949 |
| Mini Cooper Electric | $952 |
| Jeep Wrangler | $953 |
| Chevrolet Express | $955 |
| Honda CR-V Hybrid | $955 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Alabama
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Alabama
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,103 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Honda Accord, which costs $1,116, and the Nissan Versa, which costs $1,138 to insure.
Below, you’ll find the most affordable sedans to insure in Alabama and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,103 |
| Honda Accord | $1,116 |
| Nissan Versa | $1,138 |
| Volkswagen Jetta | $1,147 |
| Toyota Camry | $1,148 |
| Honda Civic Sedan | $1,156 |
| Mazda 3 Sedan | $1,158 |
| Toyota Corolla | $1,160 |
| Kia K5 | $1,163 |
| Kia Forte | $1,174 |
| Volkswagen Jetta GLI | $1,176 |
| Nissan Sentra | $1,181 |
| Chevrolet Malibu | $1,206 |
| Hyundai Elantra | $1,207 |
| Hyundai Sonata | $1,225 |
| Nissan Altima | $1,230 |
| Mitsubishi Mirage G4 | $1,243 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Alabama
The Chevrolet TrailBlazer and Honda CR-V are the cheapest SUVs to insure in Alabama, with an average cost of $870 and $916 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $870 |
| Honda CR-V | $916 |
| Honda HR-V | $923 |
| Toyota Corolla Cross | $945 |
| Kia Seltos | $949 |
| Jeep Wrangler | $953 |
| Mazda CX-5 | $955 |
| Kia Sportage | $957 |
| Subaru Forester | $957 |
| Honda Passport | $959 |
| Ford Bronco | $960 |
| Volkswagen Taos | $960 |
| Volkswagen Tiguan | $963 |
| Ford Bronco Sport | $963 |
| Subaru Crosstrek | $965 |
| Chevrolet Trax | $967 |
| Mazda CX-30 | $968 |
| Honda Pilot | $981 |
| Kia Sorento | $984 |
| Ford Edge | $984 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Alabama
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $997.
The table below compares car insurance rates for different sports cars in Alabama
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $997 |
| Honda Civic Si | $1,220 |
| Chevrolet Camaro | $1,250 |
| BMW Z4 | $1,330 |
| Toyota GR Supra | $1,360 |
| Ford Mustang | $1,390 |
| Honda Civic Type R | $1,438 |
| Toyota GR Corolla | $1,462 |
| Subaru BRZ | $1,483 |
| Toyota GR86 | $1,489 |
| Subaru WRX | $1,494 |
| Porsche 718 Boxster | $1,516 |
| Chevrolet Camaro ZL1 | $1,581 |
| Porsche 718 Cayman | $1,659 |
| Chevrolet Corvette | $1,665 |
| Chevrolet Corvette Z06 | $1,956 |
| Nissan Z | $1,960 |
| Jaguar F-Type | $2,124 |
| Porsche 911 | $2,232 |
| Porsche 911 Turbo | $2,430 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Alabama
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $992 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,036) and Acura MDX ($1,102).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $992 |
| Volvo XC40 | $1,036 |
| Acura MDX | $1,102 |
| Volvo XC60 | $1,118 |
| Acura Integra | $1,125 |
| Lexus RX | $1,150 |
| Lincoln Corsair | $1,155 |
| Genesis GV70 | $1,155 |
| Cadillac XT4 | $1,166 |
| Lexus NX | $1,172 |
| Cadillac XT5 | $1,181 |
| BMW X3 | $1,188 |
| Audi Q3 | $1,214 |
| Alfa-Romeo Tonale | $1,220 |
| Mercedes-Benz GLB-Class | $1,222 |
| BMW X2 | $1,223 |
| Cadillac XT6 | $1,225 |
| Genesis GV80 | $1,225 |
| Volvo XC90 | $1,247 |
| Mercedes-Benz GLA-Class | $1,250 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Alabama
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,872 annually, or $239 monthly.
The table below lists the most affordable EVs to insure in Alabama and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $952 |
| Kia Niro EV | $980 |
| Hyundai Kona Electric | $1,028 |
| Volkswagen ID.4 | $1,069 |
| Chevrolet Silverado EV | $1,122 |
| Nissan Leaf | $1,168 |
| Audi Q4 e-tron | $1,172 |
| Ford F-150 Lightning | $1,183 |
| Hyundai Ioniq 5 | $1,230 |
| Toyota bZ4X | $1,254 |
| Subaru Solterra | $1,278 |
| Kia EV6 | $1,305 |
| Ford Mustang Mach-E | $1,309 |
| Mercedes-Benz EQB | $1,326 |
| Cadillac LYRIQ | $1,332 |
| Hyundai Ioniq 6 | $1,372 |
| Toyota Mirai | $1,383 |
| Volvo XC40 Recharge | $1,392 |
| Nissan Ariya | $1,412 |
| Genesis GV60 | $1,420 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Alabama
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $3,655 to insure for an 18-year-old driver, whereas a Honda HR-V costs an average of $3,833 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Alabama?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $952 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $980, according to our analysis.
Which SUVs are the cheapest to insure in Alabama?
The Chevrolet TrailBlazer is one of the cheapest SUVs to insure in Alabama, with an average cost of $870 for a six-month car insurance plan. The Honda CR-V and Honda HR-V also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Alabama?
The Honda CR-V, Honda HR-V, Mini Cooper Countryman JCW and Mini Cooper Electric are some of the cheapest cars to insure for an 18-year-old driver in Alabama. On the other hand, Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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