Alabama car insurance rates depend heavily on driver profile and coverage level. To provide Alabama drivers with a better idea of their likely car insurance costs, WalletHub conducted research comparing quotes from major national insurers across Alabama by driver profile; including rates for minimum liability coverage, collision, and comprehensive policies.
As part of our research on Alabama car insurance rates, we investigated factors affecting rates such as average annual premium costs by county and city and how customer service ranks of car insurers.
Drivers with excellent credit are rewarded with lower car insurance rates in Alabama than drivers with poor credit. Car insurers consider those with poor credit to be higher risk and charge them higher premiums; to see the amount you could save by having good credit in Alabama check out this table.
As with most states, age plays an integral part in determining the cost of auto insurance policies in Alabama. Younger drivers are statistically more likely to become involved in accidents, so most carriers charge them higher premiums. Below is a table outlining Alabama car insurance rates by age group.
Driving records play an integral role in determining the cost of auto insurance policies in Alabama. With more incidents on a record comes higher premiums; accidents and DUI convictions often increase premiums more dramatically, while speeding tickets usually result in smaller rate hikes.
Married drivers in Alabama typically experience lower car insurance costs than single drivers due to insurers viewing married individuals as less of a risk to cover. On average, married drivers in Alabama experience an annual car insurance cost savings of about $1,600 more compared to that of single drivers.
Uninsured/underinsured motorist coverage (UM/UIM) should be a key decision for every Alabama driver. This additional coverage provides medical expenses and vehicle damage compensation in the event of an accident caused by drivers without sufficient auto insurance, potentially adding cost but often worth investing in.
To help determine if UIM/UM coverage is right for you, it’s a good idea to assess how much your car is worth and the number of accidents you’ve had over time as well as any type of accidents likely occurring near your area and likelihood of injury in an accident. If unsure, consult an auto insurance specialist in your area who can give a personalized quote and help select suitable coverage – enter your zip code into our free car insurance comparison tool and look up a specialist in your neighborhood!