Popular QuestionsPopular Questions About Alabama Car Insurance

How much does Alabama car insurance cost? $1,320

Alabama drivers pay slightly more than the national average for car insurance, but they also get great discounts by working with Independent Insurance Agents, which can lower the overall price.

The average cost for auto insurance is $1,311 across America. In Alabama, drivers pay slightly more, with an average of $1,320 each year. You can cut the cost for your Alabama coverage by comparing quotes from a variety of insurance companies.

alabama car insurance cost chart
What does Alabama car insurance actually do for me?

Alabama roads can get dangerous, and accidents are pretty common. If you find yourself in the middle of a major collision, here's a look at how your car insurance can help...

Alabama Car Insurance

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage."
  • Fix Someone Else's Car –Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills - Not required. We officially call this "personal injury protection" or "pip."
  • Pay Someone Else's Med Bills –Required/Min. $50,000. We officially call this "bodily injury liability."

Alabama state law requires that all drivers have a certain amount of insurance just in case they cause an accident. This covers the cost if you end up liable for damage to someone else's car or if you cause a collision where someone gets hurt.

Who pays if the accident wasn't my fault?

No need to worry — the driver who caused the accident will be responsible to pay for the damage. 

How many Alabama drivers are uninsured: 19.6%

Unfortunately, sometimes people drive without any insurance. And there are a lot of drivers in Alabama without car insurance coverage. Without a backup plan to cover the cost of an accident, everyone suffers.

That's why it's smart to invest in "Uninsured Motorist Coverage." If you get hit by a driver who doesn't have insurance, you'll be covered and have the funds you need to fix your car and pay for that stack of medical bills.

Which are the best insurance companies in Alabama?
travelers insurance
metlife auto & home
state auto insurance companies
safeco Insurance

InformationFind the Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Mobile18.12.11$1,812$151
Daphne25.60.49$1,368$114
Foley22.60.66$1,332$111
Jackson12.60.66$1,332$111
Montgomery19.33.29$1,704$142
Dothan19.21.6$1,572$131
Enterprise19.31.6$1,608$134
Troy26.22.4$1,524$127
Auburn17.51.18$1,500$125
Anniston20.64.07$1,728$144
Birmingham21.37.14$1,728$144
Alabaster28.30.58$1,464$122
Tuscaloosa19.91.9$1,428$119
Sylacauga22.32.77$1,488$124
Decatur19.32.4$1,554$130
Gadsden20.35.32$1,506$126
Guntersville19.44.75$1,518$127
Cullman22.22.26$1,518$127
Ft. Payne21.81.77$1,686$141
Jasper19.85.78$1,638$137
Huntsvikle18,44.63$1,518$127
Florence19.31.88$1,182$99
Athens21.20.31$1,213$101
Demopolis17.30.56$1,142$95
Selma185.45$1,562$130


Foley, AL Car Insurance

 The average monthly cost of car insurance in Foley is $111. insurance, and it’s based on your age, gender and driving history. Depending on your personal details, your rate could be slightly higher or lower than the average. 

When you’re stuck with long commutes, you’re at an increased risk for car accidents. Commute times for Foley drivers are slightly shorter than the national average, which should help lower your rate. 

High crime areas tend to have increased rates on car insurance because of the higher likelihood for auto theft and vandalism. The good news is that Foley has a very low rate of auto theft, so you could see some savings on your premium. 

Jackson, AL Car Insurance 

The average monthly cost of car insurance in Jackson is $111. The rate you pay for Jackson car insurance might be higher or lower. It all depends on the kind of car you drive, your age and your driving history. 

Jackson drivers typically have short commute times, which is good news for your car insurance rates. The more time you spend on the road, the higher are your chances for an accident. Low commute times typically lead to lower rates on car insurance. 

Cities with high crime rates tend to also have higher car insurance rates. That's because of the higher likelihood for auto theft or vandalism. In Jackson, auto theft rates are much lower than the national average, which helps reduce rates on auto coverage.

Montgomery, AL Car Insurance

The average monthly cost of car insurance in Montgomery is $142. Car insurance rates in Montgomery may be slightly higher or lower than the average, depending on your age, gender and personal driving record. 

When you spend a lot of time on the road, you're at a higher risk for car accidents. That's why long commute times can drive up rates on insurance. Montgomery residents tend to have shorter commutes, which helps reduce insurance rates. 

Montgomery has a high auto theft rate, putting you at an increased risk for a stolen car. This could make your car insurance rates go up, as you'll need specific protection against theft and vandalism for your vehicle.

Dothan, AL Car Insurance 

The average monthly cost of car insurance in Dothan is $131. Your actual cost for car insurance could be higher or lower, depending on your vehicle, your gender, your driving record and a few other factors. 

If you have longer commutes, you'll face a higher risk for accidents. Dothan drivers spend less time commuting than the average driver in America, which could reduce your insurance rates. 

The higher the local crime rate is, the more likely it is that your car could be stolen or vandalized. Auto theft in Dothan is far less than the national average, which could lower your insurance rates.

Enterprise, AL Car Insurance

The average monthly cost of car insurance in Enterprise is $134. Car insurance rates are based on your age and gender and the kind of vehicle you drive. Your monthly rates in Enterprise could be higher or lower than the average. 

Long commutes put you at an elevated risk for car accidents, which makes your rates on car insurance higher. In Enterprise, commute times are well below the national average, which could lead to savings on your insurance rates. 

High crime areas tend to have higher car insurance rates, thanks to the higher likelihood of auto theft. In Enterprise, auto theft is pretty rare, which could help lower your insurance rates.

Troy, AL Car Insurance 

The average monthly cost of car insurance in Troy is $127. Your car insurance rate will be based on your vehicle, your age and your driving record, along with a handful of other variables. You could pay a little more or a little less than this average. 

When you have long commutes each day, you have a greater chance of car accidents. Troy drivers typically have long commute times, which could cause an increase in auto insurance rates. 

Auto theft is an ongoing concern in Troy, but it's slightly less prevalent than in most American cities. With lower auto theft rates, you could see a decrease in insurance rates. 

Anniston, AL Car Insurance

The average monthly cost of car insurance in Anniston is $126. Anniston auto insurance rates vary from one driver to the next. Your rate will be based on your age, gender and driving record, along with several other factors. 

If you spend a lot of time commuting back and forth to work, you'll have an increased risk for car accidents. Commute times for Anniston drivers are slightly shorter than the national average, which helps reduce car insurance premiums. 

Living in high crime areas can cause a spike in your auto insurance rates. Auto theft rates are pretty high in Anniston, which could cause an increase in your monthly rate for car insurance.