Who Has Cheap Auto Insurance Quotes for Drivers Under 21 in Alabama?

One of the many factors that help set the price of your policy is where you live in Alabama. Regions with larger populations or more claims like Birmingham, Mobile, and Hoover tend to pay higher rates, whereas areas with lower crime rates and fewer weather claims profit from lower rates.

The next table sorts the most expensive places in Alabama for drivers under 21 to purchase a policy in.

Information shown are comparative as specific Alabama zip code can affect premiums substantially.

The vehicle you are buying coverage for is one of the primary factors when looking for the best cheap insurance for drivers under 21. Vehicles with lots of speed or power, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models. The list below ranks insurance premiums for a number of the cheaper automobiles to insure in Alabama.

Above prices assume single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific Alabama garaging location which can affect prices substantially.

Based upon the table data, you can presume that cars like the Ford Escape, Hyundai Elantra, Honda CR-V, Chevrolet Traverse, and Toyota Prius are most likely going to be a few of the more affordable vehicles to insure for minors. The cost of auto insurance will be more costly just because there is more liability exposure for drivers under 21, but in general those particular vehicles will tend to have the cheapest rates possible.

Determining which company offers the cheapest auto insurance rates for drivers under 21 involves a little more sweat than just comparing a company or two. Each insurer has their own guidelines for setting rates, so let’s take a look at the most competitive auto insurance companies in Alabama.

Best Cheap Insurance Rates for Minors

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Travelers quotes some of the most affordable car insurance rates in Alabama at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Safeway also are some of the most economical Alabama car insurance companies.

In the above rates, if you are insured with Cincinnati Insurance and switched to Travelers, you might achieve an annual savings of in the neighborhood of $21. Drivers with USAA could save as much as $124 a year, and GEICO insureds might reduce prices by as much as $254 a year.

To find out how much you can save, click here to get a free quote or quote rates from the companies below.

Understand that those estimates are averages across all ages of drivers and types of vehicles and do not take into consideration a rate surcharge for drivers under 21. So the insurer that has the cheapest price for you may not even be included in the company chart above. That underscores the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Discount Alabama car insurance rates

Insurance providers that provide cheap auto insurance for drivers under 21 in Alabama may additionally offer premium discounts that can lower rates by as much as 30% if you meet eligibility requirements. Popular auto insurance companies and some of the premium reductions they offer can be read below.

The example below compares premium costs with and without discounts applied to the policy premium. The costs are based on a female driver, no accidents, no driving violations, Alabama state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, multiple policy, defensive driving course, vehicle safety, homeowner, and passive restraint discounts applied. In this example, the average savings per year on auto insurance for drivers under 21 is % or $.

Cautious drivers save money

The common sense way to find affordable auto insurance premiums in Alabama for minors is to drive safely and avoid accidents and traffic citations. The example below highlights how traffic violations and at-fault fender-benders drive up insurance prices for each different age group. The information is based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of an auto insurance policy in Alabama per year with no accidents and a clean driving record is $1,224. Add in two speeding tickets and the average cost increases to $1,734, an increase of $510 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for drivers under 21 increases to an average of $3,723. That’s an increase of $2,498, or $208 per month, just for being a little careless behind the wheel!

How to find cheap auto insurance for drivers under 21 in Alabama

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help drivers locate the cheapest coverage.

• Be a safe driver
• Drive attentively and avoid accidents
• Buying your home and auto policies from the same company can earn a discount
• Try to not file small claims
• Increase your deductibles
• Clean up your credit
• Shop around for cheaper prices

The final tip is especially valuable, as was noted in this article. Rates fluctuate constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if a better deal can be had.

Many consumers stick with the same company and that’s fine, but we do not recommend it if that inflexibility results in costing you a small fortune year after year. If you have a few minutes, shop around to find cheaper car insurance for drivers under 21.