Cheapest Car Insurance Quotes for Uninsured Drivers in Alabama

Life would sure be easier if we could tell you the one auto insurance company that has the lowest rates in Alabama. It’s just not that simple, as there are a whole bunch of unknown elements like whether you have prior claims, how much liability insurance you need, and the number of miles you drive in a year, that all go into determining the rate you pay. In this article, we will teach you about the best ways to compare rates and educate you enough to have a solid foundation to find cheaper car insurance in Alabama.

The vehicle requiring coverage is one of the biggest factors that determines whether or not you find cheaper auto insurance for uninsured drivers. Vehicles with higher performance, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than more modest models.

The lists below ranks auto insurance premiums for a handful of the more afforable automobiles to insure.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific Alabama garaging location which can affect price quotes significantly.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium amounts do not factor in vehicle location which can increase or decrease rates significantly.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific location which can decrease or increase prices significantly.

Locating reasonably-priced auto insurance is confusing at best, and determining which company has the most affordable auto insurance rates for uninsured drivers will involve even more diligence. Every insurance company has their own process to set premium rates, so we need to take a look at the auto insurance companies with the most affordable rates in Alabama.

Best Auto Insurance Prices in Alabama

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Travelers has some of the most affordable car insurance rates in Alabama at around $807 annually. Cincinnati Insurance, USAA, GEICO, and Auto-Owners are also some of the best Alabama auto insurance companies.

As shown in the rates above, if you currently have a policy with Cincinnati Insurance and switched to Travelers, you may realize yearly savings of around $29. Alabama drivers with USAA may save as much as $97 a year, and GEICO insureds might lower prices by up to $223 a year.

To compare your rates to other Alabama insurance companies, click here to start your free quote or quote prices from the following companies.

Understand that those estimates are averages for all ages of drivers and types of vehicles and and are not figured with a rate discount for uninsured drivers. So the auto insurance company that has the cheapest price for you may not even be featured in the list of companies above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

For drivers with no prior coverage, one of the big factors that is used by insurance companies to determine auto insurance rates is where you keep your vehicle in Alabama. Cities with larger populations or higher claim trends like Mobile, Birmingham, and Homewood tend to have more expensive car insurance rates, whereas areas that are not as densely populated generally pay lower insurance rates.

The table below illustrates the highest-priced areas in Alabama for uninsured drivers to buy car insurance in.

Information shown are approximated as the vehicle garaging location can revise price quotes significantly.

Choosing a highly-rated insurance provider can be rather challenging considering how many companies sell insurance in Alabama. The ranking data displayed below may help you choose which insurers you want to consider to insure your vehicles.

These rankings are for large, nationwide insurance companies, so companies with more of a regional focus will not be included in the list. If you would like to check rates from these and other competitive companies, simply click here.

Top 10 Major Auto Insurance Providers in Alabama Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Major Auto Insurance Providers in Alabama Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Full coverage or liability only

Finding the cheapest auto insurance for uninsured drivers in Alabama is the goal of most drivers, and a good way to buy cheap insurance is to only buy liability coverage. The chart below shows the difference between car insurance rates with full phyical damage coverage and with liability coverage only. The costs are based on no claims or driving violations, $100 deductibles, single status, and no discounts are taken into consideration.

As an average, physical damage coverage on your policy costs $2,590 per year more than buying just liability insurance. Lot’s of drivers question when is the right time to remove full coverage. There is no clear-cut formula to stop buying physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

Best rates: Allstate, Geico, Progressive, or State Farm

If you are shopping around for car insurance for drivers with no prior coverage in Alabama, four companies to definitely compare rates with are Allstate, Geico, Progressive, and State Farm. All of them offer physical damage and liability coverage, but each has different features and discounts that buyers can choose from. The next table shows some of the different options and features that are available for policyholders.