This would be a much quicker read if we could simply tell you the one best car insurance company that has the most affordable insurance in Alabama. It’s just not that easy, however, as there are a whole bunch of unknown aspects such as the area where you live, if you just need liability coverage, and if you have a tendency to get pulled over. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to save on auto insurance and educate you enough to have a good start to your coverage search.
Cost and performance of the vehicle you are insuring is one of the biggest factors when shopping for low-priced coverage for veterans. Vehicles with higher performance characteristics, a lack of modern safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.
The next lists shows coverage prices for the most economical automobiles to buy coverage for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LS | $990 | $495 | $83 |
Ford Focus SEL 4-Dr Sedan | $1,024 | $512 | $85 |
Ford Fusion S 4-Dr Sedan | $990 | $495 | $83 |
Honda Accord LX-S 2-Dr Coupe | $1,110 | $555 | $93 |
Kia Optima SX | $1,136 | $568 | $95 |
Nissan Altima Hybrid 4-Dr Sedan | $1,074 | $537 | $90 |
Toyota Camry LE | $990 | $495 | $83 |
Volkswagen Jetta S 4-Dr Sedan | $990 | $495 | $83 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can revise coverage prices noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
BMW X5 3.0I AWD | $1,098 | $549 | $92 |
Chevrolet Suburban LTZ 4WD | $1,098 | $549 | $92 |
Chevrolet Traverse LS 2WD | $862 | $431 | $72 |
Ford Escape Limited 4WD | $920 | $460 | $77 |
Ford Explorer XLT AWD | $932 | $466 | $78 |
GMC Acadia SLT 2WD | $990 | $495 | $83 |
Honda CR-V LX 4WD | $838 | $419 | $70 |
Honda Fit Sport | $830 | $415 | $69 |
Honda Pilot LX 2WD | $932 | $466 | $78 |
Jeep Grand Cherokee Laredo 2WD | $990 | $495 | $83 |
Nissan Pathfinder SE 4WD | $932 | $466 | $78 |
Subaru Forester X Limited Edition W/Navigation AWD | $1,028 | $514 | $86 |
Toyota Highlander SE 2WD | $1,016 | $508 | $85 |
Toyota RAV4 4WD | $990 | $495 | $83 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in your specific Alabama location which can raise or lower premiums substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,156 | $578 | $96 |
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $1,182 | $591 | $99 |
Chevrolet Silverado LS Extended Cab 2WD | $1,052 | $526 | $88 |
Dodge Ram Crew Cab TRX 2WD | $1,078 | $539 | $90 |
Ford F-150 Lariat King Ranch 4WD | $1,098 | $549 | $92 |
Ford F-350 XLT Super Cab Turbo Diesel 4WD | $1,392 | $696 | $116 |
GMC Sierra 2500HD SLE Extended Cab 2WD | $1,194 | $597 | $100 |
GMC Sierra 3500HD SLE Extended Cab 2WD | $1,098 | $549 | $92 |
GMC Sierra SLE Crew Cab 2WD | $990 | $495 | $83 |
Toyota Tundra Double Cab 4WD | $1,078 | $539 | $90 |
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific zip code location which can impact rates noticeably.
Finding reliable, affordable car insurance is not the easiest thing to accomplish, and figuring out which insurers offer the most affordable auto insurance rates for veterans will require even more perseverance.
Every auto insurer uses a little different formula for setting prices, so let’s begin by taking 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 impacted by many things that may substantially change the cost of your policy. Improving your credit rating, filing a claim, or having an at-fault accident may generate price changes that may make certain companies cheaper than others.
Best Insurance Companies for Vets
Rank | Company | Cost Per Year |
---|---|---|
1 | Travelers | $791 |
2 | Cincinnati Insurance | $828 |
3 | USAA | $922 |
4 | GEICO | $1,061 |
5 | Country | $1,159 |
6 | Safeway | $1,170 |
7 | Auto-Owners | $1,206 |
8 | Progressive | $1,274 |
9 | MetLife | $1,368 |
10 | State Auto | $1,386 |
11 | California Casualty | $1,496 |
12 | State Farm | $1,533 |
13 | Nationwide | $1,659 |
14 | ALFA | $1,675 |
15 | Allstate | $1,854 |
16 | Farmers | $1,874 |
17 | Safeco | $2,580 |
18 | Liberty Mutual | $2,717 |
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Travelers has some of the most affordable car insurance rates in Alabama at around $791 each year. Cincinnati Insurance, USAA, GEICO, and Country also rank well as some of the lowest-priced Alabama auto insurance companies.
As depicted above, if you currently buy coverage from GEICO and switched to Cincinnati Insurance, you could realize an annual savings of about $233. Customers with Country may save as much as $331 a year, and Safeway insureds might see rate reductions of $342 a year.
If you want to see how much you could save, click here to get a free quote or visit any of the low-priced companies below.
It’s important to note that these estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a rate discount for veterans. So the auto insurance company that is best suited for you may not even be in the list of companies above. That illustrates why you need to get rate quotes using your own driver information and specific vehicle type.
Auto insurance companies that provide the cheapest car insurance for veterans in Alabama may additionally offer rate discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. A few popular companies and their possible discounts are:
Discount | Allstate | State Farm | Geico | Progressive |
---|---|---|---|---|
Bundled policies | Yes | Yes | Yes | Yes |
Multi-vehicle | No | Yes | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes |
Anti-lock brakes | Yes | Yes | Yes | No |
Air bags | Yes | Yes | Yes | No |
Running lights | No | Yes | Yes | No |
New vehicle | Yes | Yes | No | No |
Safe driver | Yes | Yes | Yes | Yes |
Defensive driver | Yes | Yes | Yes | Yes |
Low mileage | Yes | Yes | No | Yes |
Active duty military | No | Yes | Yes | Yes |
Employment | No | No | Yes | No |
Pay in full | Yes | No | Yes | Yes |
Auto-pay | Yes | No | Yes | Yes |
Customer loyalty | No | Yes | No | Yes |
Early sign-up | Yes | No | No | No |
Good grades | Yes | Yes | Yes | Yes |
Distant student | Yes | Yes | No | Yes |
Homeowner | No | No | No | Yes |
Use seat belts | No | No | Yes | No |
Online rate quote | No | No | No | Yes |
Teen driver | No | No | No | Yes |
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The illustration below shows the difference between insurance rates with and without discounts being applied to the rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Alabama state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, claim-free, anti-theft, safe-driver, accident-free, and multiple policy discounts applied. When discounts are applied, the the average yearly reduction on auto insurance for veterans is % or $.
Buying coverage from the right car insurance company is hard considering how many companies there are to choose from in Alabama. The ranking information displayed below may help you choose which insurers to look at buying from.
These rankings only include companies that insure vehicles across America, so companies that only write business in Alabama or surrounding areas are not factored into these rankings. To compare prices and find cheaper insurance for veterans, follow this link.
When it comes to auto insurance for veterans in Alabama, probably the best companies to start with are Progressive, Geico, Allstate, and State Farm. If you combine them together, they insure about half of the entire U.S. car insurance market. The data below shows price and claims rank as well as some different options that you can purchase from each one.
Progressive | Geico | Allstate | State Farm | |
---|---|---|---|---|
Overall Price | 3rd | 1st | 4th | 2nd |
Customer Satisfaction | 3rd | 1st | 2nd | 4th |
Number of Discounts | 4th | 2nd | 1st | 3rd |
Claims Handling | 4th | 3rd | 1st | 2nd |
Recommend by customers | 88% | 87% | 86% | 88% |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | Yes | Yes | No |
New car replacement | No | No | Yes | No |
Roadside assistance | Yes | Yes | Yes | Yes |
Usage-based insurance | Yes | No | Yes | Yes |
Mechnical breakdown | Yes | Yes | No | No |
Coverage in Alabama | Yes | Yes | Yes | Yes |
Types of agents used | Buy online or from an independent agent | Both online and from Geico agents | Can only buy from Allstate agents | Can only buy from State Farm agents |
Number of agents | 30,000+ | 150+ | 11,000+ | 18,000+ |
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