How Much Does Auto Insurance Cost for 18 Year Olds in Alabama?

You have seen the catchy advertisements from insurers like Liberty Mutual, GEICO, and Allstate guaranteeing big savings. So drivers should just pick the company with the cutest commercial, right?

Unfortunately, it’s just not that easy, as there are a whole slew of unknowns such as if you have any prior insurance claims, what coverage limits you want, and whether you want full coverage. This article goes into detail about these things and should give you a solid foundation to find cheaper car insurance in Alabama.

For teen drivers, one of the largest components that auto insurance companies take into consideration when calculating the price of your policy is where you live in Alabama. Areas with more people like Birmingham, Bessemer, and Prichard tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The table below sorts the most expensive places in Alabama for 18 year olds in which to buy car insurance.

Prices are estimated as vehicle location can influence price quotes greatly.

The safety and performance level of the vehicle needing coverage is one of the largest considerations when looking for cheap auto insurance for 18 year olds in Alabama. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than more modest models.

The lists below outlines auto insurance premiums for a handful of the most economical vehicles to insure in Alabama.

Table data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific zip code location which can impact rates significantly.

Data variables include single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in zip code location which can raise or lower premium rates significantly.

Data based on single female driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific location information which can raise or lower coverage prices greatly.

Deciding which companies quote the best insurance rates for 18 year olds may require a little more work in order to find the most economical policy. Every insurance company uses different criteria for filing rates in each state, so we’ll go over the insurance companies that tend to be cheaper in Alabama.

We do need to point out that Alabama insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Simply getting older, buying another vehicle, or getting a reckless driving citation can trigger price changes that can make some companies much cheaper than others.

Lowest Insurance Price Quotes for Teens

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Cincinnati Insurance normally has some of the cheapest car insurance rates in Alabama at around $812 each year. Travelers, USAA, GEICO, and Auto-Owners also qualify as some of the lowest-priced Alabama auto insurance companies.

As illustrated above, if you are currently insured with Auto-Owners and switched to Travelers, you may realize annual savings of about $367. Insureds with Country could save as much as $380 a year, and Safeway insureds might see rate reductions of $391 a year.

To compare your rates to other Alabama insurance companies, click here to begin a quote or click through to the companies below.

These policy rates are averages for all drivers and vehicles in Alabama and and are not figured with a rate increase for 18 year olds. So the insurer that can offer you the lowest price may not even be shown in the chart above. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.

Poor driving habits will raise your insurance rates

The best way to find the best insurance premiums for teen drivers is to drive attentively and avoid at-fault accidents and violations. The information below shows how traffic citations and fender-benders can raise premium costs for different age groups of insureds. The rates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

The data charted above shows the average cost of a car insurance policy in Alabama per year with no accidents and a clean driving record is $2,016. Get written up for two speeding tickets and the average cost surges to $2,786, an increase of $770 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of insurance for 18 year olds jumps again to an average of $5,653. That’s an increase of $3,637, or $303 per month, just for not driving safely!

Alabama insurance company ratings

Choosing a highly-rated insurance company can be challenging considering how many companies are available to choose from in Alabama. The company ratings in the next section could help you select which insurers to look at comparing rate quotes with.

The rankings below only include companies with a nationwide focus, so smaller regional companies are not included in this list. To compare prices from the most competitive companies in Alabama, just click here.