Cheapest Auto Insurance Quotes for High School Students in Alabama

The vehicle on the policy is one of the largest factors that determines the availablility of the cheapest auto insurance for high school students in Alabama. Vehicles with high performance, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The next list presents car insurance rates for a selection of the cheapest vehicles to buy coverage for.

Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific location information which can revise coverage rates considerably.

Based on these rates, cars like the Ford Escape, Honda CR-V, Chevrolet Traverse, and Honda Accord are most likely to be some of the less-costly vehicles to insure for teenagers. The price for car insurance will trend higher just due to the fact that there is more inherent risk for high school students, but overall those particular vehicles will probably have the cheapest auto insurance rates compared to other types of vehicles.

For teenagers, one of the more important criteria that establish the price of your policy is where you normally keep your vehicle. Areas with more people like Birmingham, Bessemer, and Vestavia Hills tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims generally pay less for car insurance.

The table below displays the most expensive areas in Alabama for high school students to purchase car insurance in.

Rate information is approximated as the specific area where the vehicle is garaged can increase or decrease rates considerably.

Comparing rates for reasonably-priced insurance is not most people’s favorite thing to do, and figuring out which company quotes the lowest-priced insurance rates for high school students will take even more perseverance. Premiums will probably be quite a bit higher than the average policy in Alabama, with the extra cost attributed to the additional risk that goes along with selling coverage for teenagers, but competitive coverage may be achievable if you find the right company.

Each insurer has their own guidelines to set premium rates, so first let’s look at the rankings for the insurance companies with the overall best prices in Alabama. It’s important to know that Alabama insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. Price variation is why consumers need to take the time to shop around with many companies when trying to get the lowest insurance rates for high school students. Car insurance prices are impacted by many risk factors and can increase or decrease at any time, so the cheapest rate two years ago may now be quite expensive.

Cheap Insurance Rates for Students

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Travelers quotes some of the cheapest car insurance rates in Alabama at around $783 per year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners would also be considered some of the lowest-priced Alabama insurance companies.

As shown in the table above, if you currently have a policy with GEICO and switched to Cincinnati Insurance, you might see an annual savings of in the neighborhood of $191. Alabama drivers with Auto-Owners could save as much as $354 a year, and Country customers might reduce prices by as much as $367 a year.

To see how much you can save, click here to get quotes or visit several of the following companies.

It’s important to note that these estimates are averaged across all ages of drivers and types of vehicles and do not factor in a rate increase for high school students. So the car insurance company that has the cheapest price for you may not even be featured in the chart above. That’s why you need to get quotes using your own specific driver and vehicle information.

Insuring your vehicle with a good quality insurance provider can be rather challenging considering how many companies are available to choose from in Alabama. The information in the lists below can help you decide which coverage providers you want to consider when trying to find cheaper insurance for high school students.

These rankings are only comprised of companies with a national presence, so companies without a large exposure will not be included in these rankings. To compare prices from these and other top-rated companies, just click here.

Top 10 Large 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

Top 10 Large 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 high school students in Alabama is the goal of most drivers, and a good way to find cheap insurance is to not buy full coverage. The chart below illustrates the difference between auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Alabama. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.

If the expense is averaged for all age categories, physical damage insurance costs $1,417 per year more than insuring for liability only. That touches on the question if buying full coverage is a good investment. There is no definitive guideline to delete full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

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

If you’re looking for the cheapest auto insurance, four of the best places to start are State Farm, Allstate, Progressive, and Geico. Combined they insure over 48% of all vehicles in the U.S.. They all have different features and discounts that shoppers can select from. The following table rates pricing and service ratings, plus some optional coverages you can buy with each company.