Cheapest Car Insurance for Drivers with a Bad Driving Record in Alabama

When shopping for cheaper auto insurance for bad drivers, one of the many criteria that affect auto insurance rates is the neighborhood you call home in Alabama. Areas with a lot of weather claims or more people like Birmingham, Mobile, and Phenix City tend to have more expensive auto insurance rates, whereas less populated areas have the benefit of the cheapest auto insurance for drivers with a bad driving record in Alabama.

The following table lists the most expensive areas in Alabama for drivers with a bad driving record to purchase car insurance in.

Rate information is estimated as the vehicle garaging location can change coverage prices considerably.

The safety and performance level of the vehicle you are seeking coverage for is one of the largest factors when looking for the cheapest coverage for drivers with a bad driving record. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost substantially more to insure than safer models.

The next lists ranks coverage premiums for the most cost-effective automobiles to insure in Alabama.

Data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Information does not factor in zip code location which can raise or lower price quotes noticeably.

Data based on married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can change coverage prices greatly.

Data rating is based on married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Information does not factor in specific garaging location which can revise price quotes significantly.

The illustration below shows how choosing a deductible can affect premium costs when researching cheap insurance for drivers with a bad driving record. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

A 40-year-old driver could save $360 a year by changing from a $100 deductible to a $500 deductible, or save $542 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could potentially save $930 every year by choosing a higher deductible.

If you do raise deductibles, it is necessary to have additional savings on hand to pay the extra out-of-pocket expense that comes with higher deductibles.

Safe drivers pay less for insurance

The obvious way to get the cheapest auto insurance for drivers with a bad driving record in Alabama is to be a careful driver and avoid getting tickets or having accidents. The illustration below shows how violations and accident claims can raise premium costs for different age categories. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,486. Receive two speeding tickets and the average cost rises to $2,050, an increase of $564 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with a bad driving record goes up to an average of $4,151. That’s an increase of $2,665, or $222 per month, just for not driving carefully!

Progressive, State Farm, Geico, or Allstate: Who is cheapest?

When shopping around for auto insurance, the four most popular companies are Progressive, State Farm, Geico, and Allstate. They all offer slightly different options that may steer you one way or another. The following table illustrates some of the different options shoppers can find with each company.