Alabama law mandates all drivers carry auto insurance coverage and provide proof thereof when pulled over by law enforcement officials. However, the exact cost of car insurance depends on a variety of factors including coverage level, driving history and location. On average, full coverage car insurance policies in Alabama cost around $120 monthly and include collision and comprehensive insurance, along with the state minimum liability requirements. Expanding coverage can offer drivers greater financial protection, but will likely raise rates. Below you’ll see an average driver in Alabama pays per month based on age, driving history and other rating factors.
Your vehicle’s make and model can have a direct bearing on how much car insurance will cost you. Different vehicles have differing repair costs, accident rates and safety features that affect costs; sports cars and luxury vehicles may cost more to insure than sedans or trucks – for an idea of this cost you can use ValChoice’s car insurance calculator to generate sample quotes.
Credit scores play an integral part in how much Alabama car insurance drivers pay; insurers use drivers’ reports to gauge risk. Typically, those with poor credit will pay more due to insurers viewing them as more likely to get into accidents and incur liability claims.
One factor affecting Alabama car insurance costs is how many accidents or moving violations you have been at fault for on your driving record. Such incidents can lead to significant increases in premium, with certain carriers refusing to offer coverage to high-risk drivers altogether. Below is a table displaying how rates differ for drivers with at-fault accidents or tickets on their record.
Interested in knowing the cost of Alabama car insurance? Take a few minutes and fill out a quote using ValChoice calculator – we will show quotes from top providers in your area that can give an indication of how much coverage to expect to pay! No matter your car insurance needs – whether just liability coverage or comprehensive and collision – ValChoice car insurance calculator will help you find the optimal rate. We’ve reviewed thousands of quotes from drivers across the state to show what other drivers are paying, so you can compare prices and select an affordable plan that suits your budget. It only takes a few minutes, with no contact info necessary – get going now!