Car insurance rates vary significantly across states and even within states, but certain factors can help you estimate and find more affordable coverage. NerdWallet’s Alabama Car Insurance Calculator makes comparing different coverage options fast and simple: simply enter your driving and vehicle data and you’ll instantly see rates from leading providers in Alabama!
This calculator takes into account state minimum coverage requirements as well as any optional car insurance policies drivers can purchase to add extra financial protection to their policy. Calculations are based on an average annual rate for an adult aged 36-45 living in Alabama with no traffic violations, accidents, or poor credit histories and good driving records.
Drivers in Washington State are legally mandated to carry liability car insurance, which protects other people financially if you’re involved in an accident. Minimum limits in Washington are $25,000 per person and $50,000 per accident; higher limits could provide added peace of mind. It’s also important to decide if personal injury protection (PIP), which covers medical costs resulting from an at-fault crash, is needed or whether collision coverage covers damage done to your own vehicle resulting from one.
Insurers use your driving record and other aspects of your profile to assess your risk as a customer. One key consideration is age; younger drivers are more likely to get into an accident. You should expect to pay more as you age; however, shopping around and comparing prices could save money.
Your credit history is an equally crucial element. Drivers with poor credit may face higher premiums because insurers view them as greater risks compared to drivers with exceptional credit. A single at-fault accident can increase rates by 61% so it is essential that drivers maintain safe driving records.
Marital status can have a dramatic impact on the cost of car insurance. On average, married drivers tend to pay less as insurance companies believe they are more reliable drivers behind the wheel. Plus, bundling your auto and homeowners policies together can often save more!
Alabama’s top car insurance companies provide competitive rates to drivers of all backgrounds, even those with poor credit. USAA and Country Financial were found to provide the cheapest coverage at reasonable rates while still providing exceptional customer service – in fact, USAA won the J.D. Power 2018 Car Insurance Study as being most cost-effective with excellent customer care and affordability; other top insurers include State Farm and Allstate.