Car insurance is an essential necessity in Alabama, yet costs can differ widely between providers. Many factors impact your auto insurance rate including age of driver, coverage levels and driving history. You can find average rates from top Alabama providers below; for a more accurate picture of potential costs it would be wise to seek personalized quotes instead of simply browsing average rates online. In order to keep premiums down opt for minimum coverage levels or seek discounts bundled together policies like home or other types of coverage or bundling policies with other policies can reduce premium costs substantially.

Alabama law mandates minimum liability coverage. Comprehensive and collision policies offer additional coverage against theft, weather incidents and other issues not covered by traditional liability policies – though their costs tend to add an average of 211% more than required coverage costs each year in Alabama.

Other factors that could have an effect on your Alabama auto insurance rates include severity and frequency of driving infractions as well as DUI history. Your credit rating also has an immense bearing on premiums, with good/excellent typically leading to the lowest premiums whereas poor ratings could increase them up to two and a half times!

Additionally, your vehicle type plays an integral part in Alabama car insurance costs. Generally, smaller vehicles tend to be cheaper to insure than their larger counterparts and newer cars tend to attract higher insurance premiums; however, keep in mind that its actual cash value will decline with time as its depreciates.

Insurify’s Best Car Insurance Companies in Alabama