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Here are the latest stats about car insurance premiums in the state of Alabama. This page will help you choose the auto insurance plan that works best for you.
Auto Insurance Rates in Alabama
When Alabama Actuaries calculate premiums, they consider locational factors like climate, topography, economy, rate of uninsured vehicles, and population density, among other factors. They also consider the driver's age, gender, marital status, health, driving history and type of vehicle owned.
The average annual auto insurance premium for drivers in the state of Alabama was $1,337 last year. This is not too much lower than the national average, which was about $1,347 at that time. Although averages cover a broad spectrum of possibilities, You should consider these numbers whenever you receive a car insurance estimate in Alabama.
Alabama's slightly higher than expected premiums may be due to a relatively high percentage of uninsured vehicles on the road. Alabama, Mississippi, Tennessee and Florida rank highest among states in terms of uninsured motorists.
Minimum Liability Coverage in Alabama
The minimum car insurance required by law in the state of Alabama is $25,000 in Personal Injury Protection (PIP), $50,000 in multiple injury protection, and $25,000 in protection against property damage.
Auto insurance agents call it 25/50/25.
Still, most car insurance minimums do not cover the actual cost of an accident. That's why financial analysts unanimously agree that 100/300 is the best coverage for all vehicle owners in America. Uninsured Motorist Insurance is also recommended.
for Uninsured Alabama Drivers
Alabama car owners caught driving uninsured vehicles face fines of up to $500 and a suspended license. This annoyance is followed by a $200 reinstatement fee. The penalties increase with each subsequent offense.
Discount Car Insurance in Alabama
Alabama carriers typically offer a full range of discounts on car insurance policies. Among the possible cost reductions are
Good Driver Discounts
Good Student Discounts
Multiple Auto Discounts
Multiple Policy Discounts
Vehicle Safety Discounts
...and many more. Check with your local agent for complete details. Always ask about discounts when receiving a quote.
Based on recent consumer satisfaction ratings, the top five auto insurance companies in Alabama and the United States are Allstate, Auto Owners Insurance, The Hartford, State Farm and 21st Century.
Some Alabama car owners opt for local carriers, of which Alabama has no shortage.
Most auto insurance companies offer competitive rates for you to compare. Call a few agents near you for quotes. Remember to ask about their discounts.
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