How Much Does Car Insurance Cost for Government Employees in Alabama?

How Much Does Car Insurance Cost for Government Employees in Alabama?

The words “bargain” and “insurance” probably shouldn’t be used together, especially when you are searching for the best insurance rates for government employees. To save some money, let’s start off by going over a few of the things that have an impact on auto insurance premiums, and figure out some ways to lower the price of the next policy you buy.

Finding reliable, low-priced car insurance is hard enough, and deciding which company has the lowest-priced auto insurance rates for government employees involves additional perseverance.

Every insurance company has a proprietary method for setting prices, so let’s take a look at the auto insurance companies that tend to be cheaper in Alabama. It’s important that you understand Alabama auto insurance rates are based on many factors which can substantially change the policy price. This price fluctuation is why it is so important to compare rates to find the most affordable insurance quotes for government employees. Insurance prices are made up of many different factors and can decrease or increase without notice, so the best price when you bought your policy may now not even be in the top five.

Cheapest Insurance Rates in Alabama

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Cheapest Alabama auto insurance companies
Rank Company Cost Per Year
1 Travelers $807
2 Cincinnati Insurance $828
3 USAA $904
4 GEICO $1,030
5 Safeway $1,170
6 Country $1,171
7 Auto-Owners $1,182
8 Progressive $1,248
9 MetLife $1,327
10 State Auto $1,386
11 California Casualty $1,451
12 State Farm $1,517
13 Nationwide $1,610
14 ALFA $1,692
15 Allstate $1,911
16 Farmers $1,912
17 Safeco $2,686
18 Liberty Mutual $2,691
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Travelers may have some of the lowest car insurance rates in Alabama at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Safeway also qualify as some of the lowest-priced Alabama car insurance companies.

In the above example, if you are currently insured with Safeway and switched to Cincinnati Insurance, you could earn a yearly savings of approxmiately $342. Drivers with Country might save as much as $343 a year, and Auto-Owners policyholders might cut rates by $354 a year.

To find cheap car insurance for government employees in Alabama, click here to begin a quote or quote rates from the companies below.

Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not take into consideration a price discount for government employees. So the insurer that can offer you the lowest price may not even be in the list of companies above. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.

We all have different tastes in cars, and the vehicle needing coverage is one of the largest considerations when trying to find cheap car insurance for government employees in Alabama. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The information below outlines car insurance costs for a handful of the more afforable vehicles to insure in Alabama.

Car Insurance Rates for Popular Cars in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,052 $526 $88
Ford Focus SE 2-Dr Coupe $1,148 $574 $96
Ford Fusion S 4-Dr Sedan $1,024 $512 $85
Honda Accord EX-L 2-Dr Coupe $1,176 $588 $98
Honda Civic GX 4-Dr Sedan $1,150 $575 $96
Hyundai Sonata GLS 4-Dr Sedan $1,084 $542 $90
Nissan Altima 2.5 S 4-Dr Sedan $1,088 $544 $91
Toyota Corolla LE $1,088 $544 $91
Volkswagen Jetta S 2.5 Station Wagon $954 $477 $80
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can lower or raise insurance rates considerably.

Auto Insurance Rates for Popular SUVs and Crossovers in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Platinum Edition 2WD $1,436 $718 $120
Chevrolet Traverse LTZ 2WD $982 $491 $82
Ford Escape Limited 2WD $892 $446 $74
Ford Explorer XLT AWD $962 $481 $80
GMC Acadia SL AWD $962 $481 $80
Honda CR-V EX 2WD $864 $432 $72
Honda Pilot EX-L 4WD $1,052 $526 $88
Hyundai Tucson Limited 2WD $1,024 $512 $85
Jeep Grand Cherokee Laredo 4WD $1,024 $512 $85
Jeep Patriot Limited 2WD $1,024 $512 $85
Kia Sportage EX 2WD 4-Dr $1,024 $512 $85
Subaru Forester XT Limited Edition AWD $1,072 $536 $89
Toyota 4Runner Sport 2WD $920 $460 $77
Toyota Highlander 2WD $962 $481 $80
Toyota RAV4 Sport 4WD $1,024 $512 $85
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in garaging location in Alabama which can modify premiums noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $954 $477 $80
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,232 $616 $103
Chevrolet Silverado LT Crew Cab 4WD $1,116 $558 $93
Dodge Ram Crew Cab SLT 4WD $1,202 $601 $100
Ford F-150 STX Regular Cab 2WD $934 $467 $78
Ford F-250 XL Harley Edition 2WD $1,176 $588 $98
GMC Sierra 2500HD SLE Regular Cab 2WD $1,176 $588 $98
GMC Sierra 3500HD SLT Extended Cab 4WD $1,318 $659 $110
GMC Sierra SLE Extended Cab 4WD $1,116 $558 $93
Toyota Tundra Limited Crew MAX 2WD $1,176 $588 $98
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in vehicle location which can modify coverage rates significantly.

When buying auto insurance for state and federal workers, one of the key criteria that is looked at to help calculate the price you pay for insurance is where your car is garaged in Alabama. Cities with larger populations or higher claims like Mobile, Birmingham, and Hoover will most likely have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The illustration below displays the priciest cities in Alabama for government employees to buy car insurance in.

Car insurance prices in Alabama
Rank City Annual Premium
1 Mobile $1,455
2 Bessemer $1,449
3 Birmingham $1,436
4 Prichard $1,427
5 Hoover $1,354
6 Vestavia Hills $1,351
7 Homewood $1,350
8 Northport $1,349
9 Tuscaloosa $1,346
10 Phenix City $1,326
11 Montgomery $1,311
12 Gadsden $1,299
13 Alabaster $1,297
14 Prattville $1,292
15 Madison $1,279
16 Anniston $1,279
17 Decatur $1,274
18 Enterprise $1,267
19 Huntsville $1,264
20 Opelika $1,256
21 Athens $1,249
22 Auburn $1,245
23 Daphne $1,226
24 Dothan $1,217
25 Florence $1,191
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Premium costs are approximated as the specific Alabama residence address can lower or raise prices considerably.

Rate difference between full and liability-only coverage

Finding cheap car insurance for government employees in Alabama is important to most people, and a great way to save on the cost of insurance is to buy liability only. The chart below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Alabama. The prices are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no policy discounts are applied.

As an average for all age groups, comp and collision coverage costs an additional $1,915 per year over liability only. That is a big expense that brings up the question if buying full coverage is a waste of money. There is no definitive formula for eliminating full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

How to find cheap car insurance for government employees in Alabama

It is possible to find better rates, and here are a few penny-pinching ideas that can help Alabama drivers quote more affordable coverage.

  • Avoid at-fault accidents and claims
  • Buy a safer vehicle
  • Drop full coverage on older vehicles
  • Avoid getting tickets or violations
  • Good credit can help you save money
  • Raise comprehensive and collision coverage deductibles
  • Keep rates low by shopping around frequently

The last tip in the list is incredibly important, as was pointed out in the article above. Auto insurance prices can be modified anytime, so don’t hesitate to buy from a different company if a better deal can be had.

Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty ends up costing money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper insurance for government employees.