Cheapest Car Insurance for Welfare Recipients in Alabama

Cheapest Car Insurance for Welfare Recipients in Alabama

When writing about shopping for auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article. It’s just a fact that cheap car insurance for welfare recipients is not easy to find. But don’t despair, because we are going to tell you how you can quote and buy insurance that you can afford to pay for.

The model of vehicle requiring insurance is one of the primary factors in finding the cheapest auto insurance for welfare recipients in Alabama. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models. The lists below estimates car insurance premiums for some of the more afforable vehicles to insure in Alabama.

Auto Insurance Rates for Popular Cars in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $912 $456 $76
Ford Focus S 4-Dr Sedan $872 $436 $73
Honda Accord EX 4-Dr Sedan $756 $378 $63
Honda Civic VP 4-Dr Sedan $920 $460 $77
Hyundai Elantra SE 4-Dr Sedan $940 $470 $78
Hyundai Sonata Limited 4-Dr Sedan $1,022 $511 $85
Toyota Camry XLE $940 $470 $78
Toyota Corolla XRS $960 $480 $80
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle garaging location which can increase or decrease insurance rates greatly.

Insurance Rates for Popular SUVs and Crossovers in Alabama
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech/Entertainment 4WD $980 $490 $82
Buick Enclave XL 2WD $960 $480 $80
Chevrolet Traverse LS AWD $796 $398 $66
Ford Escape XLS 2WD $756 $378 $63
Ford Explorer Limited AWD $912 $456 $76
GMC Acadia SLE 2WD $844 $422 $70
Honda CR-V EX-L 2WD $776 $388 $65
Honda Pilot EX 2WD $864 $432 $72
Jeep Grand Cherokee SRT-8 4WD $960 $480 $80
Lexus RX 350 2WD $1,092 $546 $91
Toyota 4Runner Trail Edition 4WD $912 $456 $76
Toyota Highlander Limited 2WD $980 $490 $82
Toyota RAV4 Sport 4WD $892 $446 $74
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle location which can increase or decrease premium rates noticeably.

Car 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 $824 $412 $69
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,050 $525 $88
Chevrolet Silverado LS Regular Cab 4WD $824 $412 $69
Dodge Ram 2500 Crew Cab SLT 2WD $1,072 $536 $89
Dodge Ram 3500 Crew Cab ST 4WD $1,284 $642 $107
Dodge Ram Crew Cab Sport 2WD $1,042 $521 $87
Ford F-150 Lariat King Ranch 2WD $960 $480 $80
GMC Canyon SLT Crew Cab 2WD $940 $470 $78
GMC Sierra SLE Extended Cab 4WD $960 $480 $80
Toyota Tundra SR/5 Double Cab 2WD $954 $477 $80
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in Alabama location which can alter insurance rates significantly.

Buying reasonably-priced car insurance is difficult, and deciding which company quotes the cheapest car insurance rates for welfare recipients requires even more rate comparisons. Each auto insurer has a proprietary formula to establish rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Alabama.

Lowest Insurance Price Quotes in Alabama

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Alabama auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $791
2 Cincinnati Insurance $836
3 USAA $931
4 GEICO $1,061
5 Safeway $1,170
6 Auto-Owners $1,182
7 Country $1,207
8 Progressive $1,236
9 MetLife $1,327
10 State Auto $1,386
11 California Casualty $1,496
12 State Farm $1,579
13 Nationwide $1,610
14 ALFA $1,726
15 Allstate $1,854
16 Farmers $1,931
17 Safeco $2,580
18 Liberty Mutual $2,717
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Travelers generally has some of the cheapest car insurance rates in Alabama at around $791 per year. Cincinnati Insurance, USAA, GEICO, and Safeway would also be considered some of the most economical Alabama auto insurance companies.

As shown in the rates above, if you are currently insured with Cincinnati Insurance and switched to Travelers, you might see yearly savings of in the vicinity of $45. Insureds with USAA may save as much as $140 a year, and GEICO insureds might reduce prices by as much as $270 a year.

To discover how much you can save, click here to begin a quote or visit any of the companies below.

Be aware that those prices are averages across all types of insureds and vehicles and do not take into consideration a price decrease for welfare recipients. So the insurer that has the lowest price for you may not even be included in the above rate chart. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.

When shopping for insurance for drivers on welfare, one of the many things that insurance companies use to calculate the amount you pay for auto insurance is where you normally keep your vehicle in Alabama. Areas that are more densely populated like Birmingham, Mobile, and Vestavia Hills tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the gratification of the cheapest auto insurance for welfare recipients in Alabama.

The next table displays the more expensive cities in Alabama for welfare recipients to buy auto insurance in.

How much does auto insurance cost in Alabama?
Rank City Premium Per Year
1 Birmingham $1,466
2 Bessemer $1,435
3 Mobile $1,412
4 Prichard $1,385
5 Vestavia Hills $1,365
6 Phenix City $1,352
7 Homewood $1,350
8 Northport $1,349
9 Prattville $1,344
10 Tuscaloosa $1,333
11 Hoover $1,328
12 Montgomery $1,325
13 Gadsden $1,299
14 Alabaster $1,297
15 Opelika $1,294
16 Anniston $1,292
17 Enterprise $1,279
18 Madison $1,279
19 Decatur $1,274
20 Daphne $1,264
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Rate quotes are comparative as the garaging address in Alabama can lower or raise auto insurance rates considerably.

Discount Alabama car insurance rates

Save on car insurance for drivers on welfare in AlabamaInsurance providers that sell the cheapest auto insurance for welfare recipients in Alabama may also provide premium discounts that can reduce rates by 35% or more if you meet specific eligibility requirements. The best car insurance companies and the discounts they provide are shown below.

Auto Insurance Discounts by Company
Discount Geico Progressive Allstate State Farm Liberty Mutual
Multiple policies Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes Yes
Passive restraint Yes No Yes Yes Yes
Daytime running lights Yes No No Yes No
New car No No Yes Yes No
No accidents Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes No
Active duty military Yes Yes No Yes No
Affinity/occupation Yes No No No Yes
Full payment Yes Yes Yes No Yes
Automatic payment Yes Yes Yes No Yes
Loyalty No Yes No Yes No
Early signing No No Yes No No
Good student Yes Yes Yes Yes Yes
Student away from home No Yes Yes Yes Yes
Own your home No Yes No No No
Seat belt usage Yes No No No No
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The example below shows the difference between insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, no accidents or driving violations, Alabama state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, homeowner, accident-free, claim-free, passive restraint, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for welfare recipients is % or $.

Choosing a good quality auto insurance provider can be difficult considering how many companies there are in Alabama. The rank data displayed below can help you select which insurers to look at putting your business with.

The rankings below only include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Alabama are not included in the list. If you’d like to compare prices from the insurers below and more, click this link.

Top Ten Car Insurance Companies for Welfare Recipients
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

Who has the cheapest insurance quotes for drivers on welfare?

Drivers have a lot of different ways to quote cheap car insurance rates in Alabama, but the most frequently used are through a non-exclusive or independent agent, an exclusive agency like Allstate or Auto-Owners, or direct from companies such as Geico or Progressive.

Each way is similar, but it’s important to point out the distinctions in how they function.

Independent agents have contracts with many companies and can do rate comparisons with all of them. They are not limited to a single company and can provide you with more rate quotes, which can give you the best idea of how your rates compare. If a cheaper rate is found, it’s easy for the agent to move the policy which requires no work on your part.

Exclusive agencies are only able to write with a single company like an Allstate or State Farm agent. They usually cannot place coverage with different providers, so you will not be able to compare their rates to other companies.

The third way to buy car insurance is direct which means you bypass either of the other two types of agents and instead buy from a direct company like Geico. Shopping direct can be good for consumers who do not have a complex risk profile and have some degree of understanding of the exclusions of a policy.

Which way is best for finding the cheapest auto insurance for welfare recipients in Alabama? We’d like to tell you buying from a direct company saves the most money because there are no middleman commissions, but in reality, that argument does not hold true. We’d also like to say using an independent agent guarantees the cheapest rates due to more options, but again, that’s not accurate. In a lot of cases, the exclusive agents have extremely competitive rates that other companies cannot beat.

Since car insurance rates vary so much, the guaranteed way to make sure you’re not overpaying for car insurance is to get quotes and compare. Industry experts recommend getting price quotes all three ways in order to find the best price. To see some of the cheapest online companies available, click here to view.

How to find low-cost insurance for welfare recipients

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching solutions that can help Alabama drivers find more affordable coverage.

  • Frequent claims will increase rates
  • Buy a safer vehicle
  • Do not pay for full coverage if not needed
  • Buying home and auto together can help save money
  • Maintaining good credit helps earn cheaper rates
  • Raise deductibles
  • Compare rate quotes often

The last item on the list is highly necessary, as was stressed in the prior article. Coverage rates can change significantly in a year, so drivers shouldn’t be reluctant to buy from a new company if you can save money. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that inflexibility results in costing you a lot of money every month. Spend a few minutes and compare rates to find cheaper insurance for welfare recipients.