When compared to surrounding states, Alabama ranks fifth out of 12 Southeast U.S. states for auto insurance affordability, and ranks 22nd out of all 50 states.
How much are average car insurance rates in Alabama?
The average cost of car insurance in Alabama is $2,344 per year, which is 2.9% more than the U.S. national average rate of $2,276. The average cost per month for Alabama car insurance is approximately $195 for a full coverage policy.
Average car insurance quotes in Alabama for the top ten most popular vehicles in the state are shown below.
Ford F-150 – $2,622 per year ($219 per month)
Nissan Altima – $2,542 per year ($212 per month)
Chevrolet Silverado 1500 – $2,594 per year ($216 per month)
Toyota Camry – $2,520 per year ($210 per month)
Honda Accord – $2,264 per year ($189 per month)
Hyundai Sonata – $2,374 per year ($198 per month)
Chevrolet Tahoe – $2,202 per year ($184 per month)
Honda Civic – $2,076 per year ($173 per month)
Toyota RAV4 – $2,162 per year ($180 per month)
Chevrolet Malibu – $2,274 per year ($190 per month)
The chart below shows average auto insurance in Alabama broken out by driver age and policy deductible limits. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.
Figure 1: Average full-coverage car insurance premium in Alabama for different ages of drivers. Rates updated on October 24, 2025.
Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Alabama Zip Codes.
Average Car Insurance Cost in Alabama
Driver Age
Deductible
Annual Premium
Cost Per Month
20
$1,000
$3,992
$333
$500
$4,716
$393
$250
$5,484
$457
30
$1,000
$2,098
$175
$500
$2,502
$209
$250
$2,924
$244
40
$1,000
$1,972
$164
$500
$2,344
$195
$250
$2,732
$228
50
$1,000
$1,756
$146
$500
$2,078
$173
$250
$2,412
$201
60
$1,000
$1,646
$137
$500
$1,946
$162
$250
$2,260
$188
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Alabama Zip Codes. Updated October 24, 2025
As illustrated in the chart above, average auto insurance cost for the sample driver profiles ranges from $1,646 per year for a 60-year-old driver with a policy with high deductibles to $5,484 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the same average rates above range from $137 to $457 per month.
Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver. Average rates range from $5,585 per year for a 19-year-old female driver up to $8,350 per year for a 16-year-old male driver.
Is car insurance expensive in Alabama?
When compared to neighboring states, average Alabama car insurance rates are 5.5% cheaper than Mississippi, 3.7% cheaper than Tennessee, 8.7% cheaper than Georgia, and 17.4% cheaper than Florida.
Compared to other states in the Southeast, Alabama auto insurance rates are 14% cheaper than Louisiana, 4.6% more expensive than South Carolina, 22.7% more expensive than North Carolina, and 19.2% more expensive than Virginia.
The next chart shows where Alabama ranks when compared to the rest of the Southeastern states for average car insurance cost. Alabama ranks fifth out of the 12 Southeast region states.
Figure 2: Average cost of car insurance in Alabama compared to other Southeast region states. Rates updated on October 24, 2025.
Average Car Insurance Cost in Alabama Compared to Southeast Region
Southeast Region States
Average Annual Premium
Cost Difference
North Carolina
$1,866
-$478
Virginia
$1,934
-$410
South Carolina
$2,238
-$106
West Virginia
$2,328
-$16
Alabama
$2,344
--
Tennessee
$2,432
$88
Mississippi
$2,476
$132
Georgia
$2,556
$212
Arkansas
$2,600
$256
Kentucky
$2,644
$300
Louisiana
$2,696
$352
Florida
$2,792
$448
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Alabama Zip Codes. Updated October 24, 2025
Alabama compares very favorably to regional states, but how does it compare to states in other parts of the U.S.?
The list below shows how Alabama compares to some other U.S. states outside the Southeast region, including the percentage difference and the average annual dollar amount difference.
The average cost of car insurance in Alabama is:
20.7% cheaper than California ($540 per year)
1.7% more expensive than Illinois ($40 per year)
2.1% cheaper than Texas ($50 per year)
19.8% cheaper than Nevada ($516 per year)
12% cheaper than Colorado ($300 per year)
17.6% cheaper than New York ($452 per year)
Which vehicles are cheapest to insure in Alabama?
When the average cost of car insurance is compared for all models, the 2024 model year vehicles with the cheapest car insurance quotes in Alabama are the Subaru Crosstrek at $1,732 per year and the Chevrolet Trailblazer at $1,764 per year.
Other vehicles that rank towards the top in our auto insurance price comparison are the Subaru Outback, Buick Envista, Volkswagen Taos, and Ford Bronco Sport.
The average cost is a little higher for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average insurance cost of $170 or less per month.
For pickups and full-size SUVs, the cheapest insurance rates are on the Chevrolet Colorado at $2,064 per year, the Nissan Titan at $2,192 per year, the Chevrolet Tahoe at $2,202, and the Chevrolet Suburban at an average cost of $2,324 per year.
For luxury cars and SUVs, some of the cheapest insurance rates in Alabama can be found on the Acura Integra at $2,084 per year, the BMW 330i at $2,388 per year, the Mercedes-Benz CLA250 at $2,412 per year, the Acura RDX at $1,960 per year, the Lexus NX 250 at $2,074 per year, and the Cadillac XT4 at $2,118 per year.
The top 75 vehicles to insure in Alabama are ranked in the table below, with average annual and monthly rates shown.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Alabama Zip Codes. Updated October 24, 2025
Top 75 cheapest vehicles to insure in Alabama with the Subaru Crosstrek ranking first at $1,732 per year
Detailed car insurance rates for the top 10 popular vehicles
At the start of this article, we showed a list that included average car insurance rates for the top 10 most popular vehicles in Alabama. The next set of charts takes each of those 10 vehicles and breaks out more detailed rates for things like different driver ages, high-risk drivers, different policy deductibles, and more.
Ford F150 insurance rates
Ford F150 insurance in Alabama costs an average of $2,622 per year and ranges from $2,174 to $6,058 per year for the sample driver risk profiles shown in the chart below.
Figure 3: Average 2024 Ford F150 insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Ford F150 Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$6,058
$505
Safe Driver Age 20
$5,304
$442
At-fault Accidents Age 40
$3,720
$310
Low Deductibles Age 40
$3,438
$287
Safe Driver Age 30
$2,798
$233
Safe Driver Age 40
$2,622
$219
Safe Driver Age 50
$2,322
$194
High Deductibles Age 40
$2,206
$184
Discount Rate Age 40
$2,174
$181
Safe Driver Age 60
$2,172
$181
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated October 24, 2025
Nissan Altima insurance rates
Nissan Altima car insurance rates in Alabama range from $2,110 to $5,820 per year for the driver profiles in the chart below. Nissan Altima insurance costs an average of $2,542 per year or $212 per month in Alabama.
Figure 4: Average 2024 Nissan Altima insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Nissan Altima with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Altima car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Nissan Altima Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,820
$485
Safe Driver Age 20
$5,094
$425
At-fault Accidents Age 40
$3,584
$299
Low Deductibles Age 40
$3,338
$278
Safe Driver Age 30
$2,712
$226
Safe Driver Age 40
$2,542
$212
Safe Driver Age 50
$2,246
$187
High Deductibles Age 40
$2,128
$177
Discount Rate Age 40
$2,110
$176
Safe Driver Age 60
$2,104
$175
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Altima trim levels. Updated October 24, 2025
Chevrolet Silverado insurance rates
The chart below shows average Chevrolet Silverado insurance rates in Alabama for different driver ages and risk profiles. Annual cost ranges from $2,148 to $6,020 per year for the example driver risk profiles, with average cost being $2,594 per year.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Chevrolet Silverado Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$6,020
$502
Safe Driver Age 20
$5,262
$439
At-fault Accidents Age 40
$3,704
$309
Low Deductibles Age 40
$3,344
$279
Safe Driver Age 30
$2,760
$230
Safe Driver Age 40
$2,594
$216
Safe Driver Age 50
$2,306
$192
High Deductibles Age 40
$2,208
$184
Safe Driver Age 60
$2,158
$180
Discount Rate Age 40
$2,148
$179
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated October 24, 2025
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Alabama as shown in the chart below range from $2,092 to $5,790 per year, with the average cost being $2,520.
Figure 6: Average 2024 Toyota Camry insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Toyota Camry Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,790
$483
Safe Driver Age 20
$5,076
$423
At-fault Accidents Age 40
$3,552
$296
Low Deductibles Age 40
$3,346
$279
Safe Driver Age 30
$2,692
$224
Safe Driver Age 40
$2,520
$210
Safe Driver Age 50
$2,224
$185
High Deductibles Age 40
$2,094
$175
Discount Rate Age 40
$2,092
$174
Safe Driver Age 60
$2,084
$174
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated October 24, 2025
Honda Accord insurance rates
Average Honda Accord insurance rates in Alabama as shown in the chart below range from $1,882 to $5,204 per year, with the average cost being $2,264.
Figure 7: Average 2024 Honda Accord insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Honda Accord Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,204
$434
Safe Driver Age 20
$4,558
$380
At-fault Accidents Age 40
$3,198
$267
Low Deductibles Age 40
$2,982
$249
Safe Driver Age 30
$2,420
$202
Safe Driver Age 40
$2,264
$189
Safe Driver Age 50
$2,002
$167
High Deductibles Age 40
$1,894
$158
Discount Rate Age 40
$1,882
$157
Safe Driver Age 60
$1,876
$156
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated October 24, 2025
Hyundai Sonata insurance rates
Hyundai Sonata car insurance rates in Alabama range from $1,976 to $5,424 per year for the driver profiles in the chart below. Hyundai Sonata insurance costs an average of $2,374 per year or $198 per month in Alabama.
Figure 8: Average 2024 Hyundai Sonata insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Hyundai Sonata with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Hyundai Sonata car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Hyundai Sonata Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,424
$452
Safe Driver Age 20
$4,742
$395
At-fault Accidents Age 40
$3,348
$279
Low Deductibles Age 40
$3,110
$259
Safe Driver Age 30
$2,536
$211
Safe Driver Age 40
$2,374
$198
Safe Driver Age 50
$2,106
$176
High Deductibles Age 40
$1,994
$166
Discount Rate Age 40
$1,976
$165
Safe Driver Age 60
$1,968
$164
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Hyundai Sonata trim levels. Updated October 24, 2025
Chevrolet Tahoe insurance rates
The average cost for Chevrolet Tahoe insurance in Alabama is $2,202 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,830 to $5,040 per year.
Figure 9: Average 2024 Chevrolet Tahoe insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Chevrolet Tahoe with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Tahoe car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Chevrolet Tahoe Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,040
$420
Safe Driver Age 20
$4,408
$367
At-fault Accidents Age 40
$3,102
$259
Low Deductibles Age 40
$2,898
$242
Safe Driver Age 30
$2,352
$196
Safe Driver Age 40
$2,202
$184
Safe Driver Age 50
$1,948
$162
High Deductibles Age 40
$1,844
$154
Discount Rate Age 40
$1,830
$153
Safe Driver Age 60
$1,824
$152
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Tahoe trim levels. Updated October 24, 2025
Honda Civic insurance rates
Honda Civic car insurance rates in Alabama range from $1,728 to $4,710 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $2,076 per year or $173 per month in Alabama.
Figure 10: Average 2024 Honda Civic insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Honda Civic Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,710
$393
Safe Driver Age 20
$4,116
$343
At-fault Accidents Age 40
$2,908
$242
Low Deductibles Age 40
$2,722
$227
Safe Driver Age 30
$2,216
$185
Safe Driver Age 40
$2,076
$173
Safe Driver Age 50
$1,840
$153
High Deductibles Age 40
$1,740
$145
Discount Rate Age 40
$1,728
$144
Safe Driver Age 60
$1,722
$144
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated October 24, 2025
Toyota RAV4 insurance rates
The average cost for Toyota RAV4 insurance in Alabama is $1,964 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,798 to $4,974 per year.
Figure 11: Average 2024 Toyota RAV4 insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Toyota RAV4 Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,974
$415
Safe Driver Age 20
$4,344
$362
At-fault Accidents Age 40
$3,070
$256
Low Deductibles Age 40
$2,798
$233
Safe Driver Age 30
$2,302
$192
Safe Driver Age 40
$2,162
$180
Safe Driver Age 50
$1,924
$160
High Deductibles Age 40
$1,834
$153
Safe Driver Age 60
$1,798
$150
Discount Rate Age 40
$1,798
$150
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated October 24, 2025
Chevrolet Malibu insurance rates
The average cost for Chevrolet Malibu insurance in Alabama is $2,274 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,886 to $5,200 per year.
Figure 12: Average 2024 Chevrolet Malibu insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on October 24, 2025.
Data Methodology: Average rates are for a 2024 model year Chevrolet Malibu with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Malibu car insurance cost in Alabama includes all Zip Codes and vehicle trim levels.
2024 Chevrolet Malibu Insurance Cost in Alabama
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,200
$433
Safe Driver Age 20
$4,532
$378
At-fault Accidents Age 40
$3,226
$269
Low Deductibles Age 40
$2,902
$242
Safe Driver Age 30
$2,416
$201
Safe Driver Age 40
$2,274
$190
Safe Driver Age 50
$2,028
$169
High Deductibles Age 40
$1,948
$162
Safe Driver Age 60
$1,894
$158
Discount Rate Age 40
$1,886
$157
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Malibu trim levels. Updated October 24, 2025
Alabama car insurance rates by city
Listed below are a few of the bigger cities in Alabama and the average annual and monthly car insurance rates for each. Visit any page to view detailed rate information, including cost comparisons, overall average rates, and the cheapest vehicles to insure in each city.
