Who Has the Cheapest Car Insurance for Safe Drivers in Alabama?

The vehicle you are buying coverage for is probably the biggest factor when quoting the cheapest car insurance for safe drivers in Alabama. Vehicles with lots of speed or power, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The data below estimates car insurance costs for a number of the cheapest automobiles to buy coverage for.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in specific zip code location which can affect premiums substantially.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in garaging location in Alabama which can modify premium rates noticeably.

When shopping for the cheapest insurance for good drivers, one of the many considerations that establish auto insurance rates is your zip code in Alabama. Cities with larger populations like Birmingham, Mobile, and Phenix City tend to pay higher rates, whereas less populated areas have the benefit of the cheapest car insurance for safe drivers in Alabama.

The illustration below sorts the priciest cities in Alabama for safe drivers to purchase auto insurance in.

Premium amounts are approximated as zip code location can impact prices noticeably.

Figuring out which companies offer the most affordable auto insurance rates for safe drivers will require more time than just picking a company at random. Every insurance company has a unique formula for determining rates in each state, so we need to take a look at the auto insurance companies with the most affordable rates in Alabama.

It’s important to understand that Alabama auto insurance rates are determined by lots of factors that may substantially change your annual premium. Simply getting older, becoming a homeowner, or having an accident can cause premium changes that may make certain companies cheaper than others.

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Travelers normally has some of the lowest car insurance rates in Alabama at around $815 per year. Cincinnati Insurance, USAA, GEICO, and Country also qualify as some of the cheaper Alabama auto insurance companies.

As shown above, if you buy coverage from Cincinnati Insurance and switched to Travelers, you may realize savings of roughly $21. Policyholders with USAA might save as much as $89 a year, and GEICO policyholders might realize rate reductions of up to $204 a year.

If you would like to find the cheapest car insurance for safe drivers in Alabama, click here to start your free quote or visit any of the low-priced companies below.

Understand that those premium estimates are averages for all types of insureds and vehicles and do not take into consideration a price decrease for safe drivers. So the auto insurance company that fits your needs best may not even be shown in the above list. That illustrates why you need to compare rates from multiple companies using your own driver data and vehicle information.

Finding the best car insurance company can be difficult considering how many companies there are to choose from in Alabama. The rank data shown below may help you select which car insurance companies to look at putting your business with. The rankings below only include large, nationwide insurance companies, so companies that only write business in Alabama or surrounding areas are not taken into consideration for this list.

Cautious drivers save money

The easiest way to obtain the best auto insurance premiums for good drivers is to pay attention while driving and avoid getting tickets or having accidents. The information below shows how speeding tickets and at-fault claims can increase car insurance rates for different insured age categories. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

The data above shows the average cost of an auto insurance policy in Alabama per year with no violations or accidents is $1,205. Add in two speeding tickets and the average cost rises to $1,653, an increase of $448 each year. Next add one accident along with the two speeding tickets and the annual cost of auto insurance for safe drivers increases to an average of $2,105. That’s an increase of $901, or $75 per month, just for a couple of infractions!

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

When comparing auto insurance, four companies to definitely compare rates with are State Farm, Allstate, Geico, and Progressive. Between them, they make up over 48% of the entire U.S. market share. The data below rates price, claims, and customer service ratings, as well as some optional coverages .