2021 Greatest Low cost Auto Insurance in Alabama – Motley Idiot
The last thing an Alabama driver wants or needs is to be stopped without proper auto insurance, especially if they're in an accident. To legally drive in the state, Alabamans must be insured with at least a minimum coverage. Whether a driver is on a tight budget or in the dough, knowing where to find the cheapest auto insurance in Alabama is good.
- Cheapest for typical drivers: Geico
- Cheapest for military personnel: Geico
- The cheapest for young drivers: Country Preferred
- The cheapest for senior drivers: Geico
- Cheapest Minimum Coverage Offer: Cincinnati Insurance Co.
Cheapest for typical drivers
When it comes to cheap auto insurance in Alabama, Geico is the clear winner for the typical driver with a clean driving record. Geico offers an average annual premium rate of $ 1,110 (less than $ 100 per month).
Here are a few other companies that offer cheap auto insurance in Alabama:
- USAA, available to current service members, veterans, and their families, is priced at $ 1,263 annually
- Nationwide comes with a competitive price of $ 1,291
- Country Preferred offers an average annual price of $ 1,435
Cheapest for military personnel
One of the ways insurance companies are trying to honor service members and veterans is by offering them affordable auto insurance. In some cases, the rate is significantly lower than what is offered to civilians. The lowest rewards are provided by Geico at an average annual rate of $ 1,017
Other companies that offer affordable auto insurance to members of the military in Alabama include:
- USAA, at an average annual rate of $ 1,248
- Nationwide with an average premium rate of $ 1,307
- Preferred country with a competitive price of $ 1,435
Cheapest for young drivers
Even the best auto insurance companies in Alabama charge more to cover teenagers and young drivers. Put simply, teenagers are not statistically the safest drivers on the road. When it comes to the cheapest prices for teenagers, Country Preferred is the winner with an average annual price of $ 2,345
Though more expensive than Country Preferred, these three providers still beat the rest of the pack:
- USAA, with an average rate of $ 2,573
- Geico priced at $ 2,606
- Cincinnati Insurance Co. at an annualized rate of $ 3,739
Cheapest for older drivers
There are a number of benefits associated with having an older, smarter driver. In fact, because of their decades of driving experience, seniors can often snag a decent, affordable insurance rate. One of the best insurance companies for cheap premiums for seniors is Geico with an average rate of $ 976.
Other contenders for the cheapest auto insurance in Alabama for senior drivers include:
- Nationwide with a competitive price of $ 1,081
- Preferred country with an average price of $ 1,151
- Cincinnati Insurance Co. at an average annual rate of $ 1,243
Most affordable for drivers looking for minimal coverage
Alabama requires drivers to have at least some minimum insurance coverage. The reason is clear: to offer the most basic protection. For the driver with minimal coverage, the point is to be insured in the event of bodily harm. And when a driver with minimum insurance hits another car on the road, it helps cover the cost of personal injury, death, and damage to the other driver's car. The best auto insurance in Alabama for a cheap minimum coverage is Cincinnati Insurance Co. with an average annual rate of $ 327.
Other contenders for cheap minimum car insurance for Alabama include:
- Geico with an average price of $ 358
- USAA at an average annual rate of $ 391
- Preferred country with an average price of $ 421
Average auto insurance costs in Alabama compared to the national average
The average auto insurance rate in Alabama is $ 2,482, about 6% less than the national average.
Auto insurance laws in Alabama
Alabama auto insurance laws are pretty clear, and anyone who chooses to drive in Alabama without insurance can be in serious legal danger. Penalties for a first offense can be, for example:
- Fine up to $ 500
- Vehicle seizure
- 45-day registration ban
- $ 200 reinstatement of registry
- Up to three months in prison
- Additional document proving insurance coverage for one year after reinstatement, paid at the driver's expense
Drivers who sit behind the wheel for a second (or later) time without insurance can face the following:
- Fines up to $ 1,000 or $ 3,000
- Six months in prison
- Registration ban for four months
- $ 400 reinstatement of registry
- License ban for six months
- Vehicle seizure
- Additional document proving insurance coverage for three years after reinstatement (usually in the form of an SR-22)
Minimum Coverage Requirements for Alabama
The minimum vehicle insurance in Alabama must include:
- $ 25,000 coverage for personal injury or death
- $ 50,000 coverage for personal injury or death or two or more
- $ 25,000 coverage for property damage to someone else's property
How To Get Cheap Auto Insurance In Alabama
When looking for cheap auto insurance in Alabama, knowing how to keep quotes down is helpful. Here are a few ideas:
It's hard to imagine anyone trying to damage their driving report, but if drivers realized how much auto insurance it was after an accident or overspeeding in Alabama, they would probably be careful to keep their driving records clean. One of the easiest ways a driver can get cheap car insurance quotes in Alabama is to prove that they are a careful driver.
Studies show that drivers with high credit ratings tend to make fewer insurance claims, which explains why insurers check a driver's creditworthiness before making an offer. A driver who keeps his credit rating high can keep his insurance rates low.
Auto insurance in Alabama offer a wide range of discounts on auto insurance. Here are some of the most popular:
- Good student discount
- Defensive driver discount
- Deposit discount
- Outside of school discount
- Professional discount
- Alumni discount
- Discount for professional organizations
- Discount on security features
- Usage-dependent discount
- Discount for multiple cars
- Discount for multiple policies
- New car discount
Other things to consider when looking for auto insurance in Alabama
Alabama drivers must have proof of insurance, either physical or electronic. If stopped and refused to provide evidence of insurance, they may be charged with a Class C offense. There are no first-time exceptions to the lack of coverage. In other words, they are serious about their Alabama auto insurance and drivers should be prepared.
While it would be unusual to see someone happy to pay for car insurance, it is there to protect the driver, the occupants of their car and other road users. Paying for coverage – even if it's minimal coverage – is far less expensive than the legal penalties for driving without insurance or worse, having an accident without insurance. Buying the best auto insurance can help a driver find the most comprehensive coverage they can afford.