How Much Does Car Insurance Cost for a School Permit in Alabama?

How Much Does Car Insurance Cost for a School Permit in Alabama?

When buying insurance for a learners permit, one of the key factors that influence the price you pay for insurance is where you call home in Alabama. Areas that are densely populated or have higher claim frequency like Mobile, Prichard, and Hoover tend to pay slightly more, whereas more rural areas have the benefit of cheap auto insurance for a school permit in Alabama.

The following table illustrates the most expensive places in Alabama for a school permit in which to buy car insurance.

Car insurance prices in Alabama
Rank City Average Per Year
1 Mobile $1,455
2 Bessemer $1,449
3 Prichard $1,427
4 Birmingham $1,422
5 Hoover $1,368
6 Phenix City $1,366
7 Homewood $1,364
8 Northport $1,349
9 Vestavia Hills $1,325
10 Montgomery $1,325
11 Gadsden $1,313
12 Tuscaloosa $1,307
13 Anniston $1,292
14 Prattville $1,292
15 Madison $1,291
16 Alabaster $1,284
17 Auburn $1,283
18 Athens $1,275
19 Huntsville $1,264
20 Opelika $1,244
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Price information shown is approximated as specific Alabama zip code can revise price quotes noticeably.

Deciding which companies offer the cheapest insurance rates for a school permit will require a tad more effort in order to find the most economical policy.

Every insurance provider has their own formula to set their prices, so let’s rank the insurance companies that tend to have lower prices in Alabama. Keep in mind that Alabama insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Turning one year older, increasing liability limits, or getting a couple of tickets can cause premium changes that can cause some rates to be cheaper than before.

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Travelers quotes some of the lowest car insurance rates in Alabama at around $791 per year. Cincinnati Insurance, USAA, GEICO, and Safeway would also make the list of some of the cheapest Alabama auto insurance companies.

As the example above demonstrates, if you currently buy coverage from GEICO and switched to Travelers, you might realize annual savings of about $270. Policyholders with Safeway could save as much as $379 a year, and Auto-Owners customers might reduce prices by as much as $391 a year.

Remember that these prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a rate increase for a school permit. So the company that has the cheapest price for you may not even be featured in the list of companies shown earlier. That illustrates why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Impact of citations and accidents on insurance rates

The easiest way to snag low insurance prices in Alabama for a learners permit is to be an attentive driver and avoid tickets and accidents. The illustration below shows how traffic citations and at-fault fender-benders can affect insurance costs for different categories of driver ages. The information is based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of a car insurance policy in Alabama per year with no accidents and a clean driving record is $1,832. Receive two speeding tickets and the average cost rises to $2,466, an increase of $634 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for a school permit increases to an average of $3,099. That’s an increase of $1,267, or $106 per month, just for being a less-than-perfect driver!

Insurance company ratings

Selecting the best car insurance provider can be a challenge considering how many different insurance companies sell coverage in Alabama. The company rank data listed below could help you decide which car insurance providers you want to consider when comparing rates. The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for the list.

Top 10 Major Auto Insurance Providers in Alabama Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

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

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance