Cheapest Car Insurance Quotes for Inexperienced Drivers in Alabama

Wouldn’t it be great if we could just tell you that one perfect company that has the best auto insurance prices for inexperienced drivers? It’s not that simple, unfortunately, as there are a whole bunch of unknown aspects like if you own or rent your home, if you have ever had a coverage lapse, whether you are male or female, and the number of years you have been licensed, that all have an effect on the price. If you keep reading, we will teach you about some of these topics and will hopefully give the reader a good beginning to your search for cheaper coverage.

For new drivers, one of the big components that auto insurance companies use when figuring the price you pay for insurance is where you keep your vehicle in Alabama. Areas that are more densely populated like Birmingham, Prichard, and Montgomery tend to have higher auto insurance costs, whereas areas with less traffic congestion and claims have the benefit of cheaper auto insurance prices.

The information below lists the highest-priced places in Alabama for inexperienced drivers to buy auto insurance in.

Premium costs are comparative as specific Alabama garaging address can revise rates greatly.

Comparing rates for affordable car insurance is challenging, and finding out which insurers offer the cheapest insurance rates for inexperienced drivers will involve a little more work. Every insurance company has their own formula to set policy rates, so let’s take a look at the most affordable insurance companies in Alabama.

It’s a good idea to be aware that Alabama insurance rates are determined by lots of factors that will increase or decrease the policy premium. This price fluctuation is why consumers need to take the time to shop around when trying to get the best car insurance quotes for inexperienced drivers. Insurance prices are determined by many different factors and change dramatically, so the best company the last time you shopped your coverage around may now be one of the more expensive options.

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Travelers may offer some of the most affordable car insurance rates in Alabama at around $815 each year. Cincinnati Insurance, USAA, GEICO, and Country are also some of the lowest-priced Alabama auto insurance companies.

As the example above demonstrates, if you have coverage with Country and switched to Cincinnati Insurance, you could earn savings of around $323. Policyholders with Auto-Owners may save as much as $334 a year, and Safeway policyholders might reduce rates by $346 a year.

Remember that these policy prices are averaged for all ages of drivers and types of vehicles and and are not figured with a rate discount for inexperienced drivers. So the car insurance company that fits your needs best may not even be shown in the above rate chart. That underscores the importance of why you need to get quotes using your own personal information and vehicle type.

The cost and performance of the vehicle requiring coverage is a significant factor when looking for the best insurance for inexperienced drivers. Vehicles with high performance features, a lack of advanced safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The data below features insurance rates for a handful of the cheaper vehicles to insure.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in Alabama location which can influence rates significantly.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in Alabama location which can alter premiums significantly.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can affect insurance rates greatly.

Impact of speeding/accidents on insurance rates

The recommended way to snag the cheapest auto insurance for inexperienced drivers in Alabama is to be a safe driver and have a clean driving record. The example below shows how traffic citations and at-fault fender-benders influence insurance costs for different ages of insureds. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of a car insurance policy in Alabama per year with no violations or accidents is $1,889. Get two speeding tickets and the average cost jumps to $2,487, an increase of $597 each year. Next add one accident along with the two speeding tickets and the yearly cost of insurance for inexperienced drivers jumps again to an average of $3,106. That’s an increase of $1,217, or $101 per month, just for not being a responsible driver!

Ending up with a highly-rated insurance provider can be challenging considering how many different companies insure vehicles in Alabama. The company ratings in the next section may help you analyze which auto insurers to look at when shopping car insurance rates for inexperienced drivers. These rankings are only comprised of companies with a nationwide focus, so companies with more of a regional focus are not included in the list.

Top 10 Major Car Insurance Companies in Alabama Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Nationwide – 89%
5. Progressive – 88%
6. Safeco Insurance – 88%
7. State Farm – 88%
8. Allstate – 88%
9. Travelers – 88%
10. The Hartford – 87%

Top 10 Major Car Insurance Companies Overall in Alabama

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Allstate, State Farm, Progressive, and Geico: Who is cheapest?

If you want reliable car insurance for new drivers, four good companies to start with are Allstate, State Farm, Progressive, and Geico. They all have the same basic coverages, but each one has a unique set of features, discounts, and options that shoppers can select from. The next table compares pricing and service ratings, as well as optional policy coverages you can expect with each one.