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 $2,300 per year, which is 3.5% more than the U.S. national average rate of $2,221. The average cost per month for Alabama car insurance is approximately $192 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 – $2,574 per year ($215 per month)
Nissan Altima – $2,492 per year ($208 per month)
Chevrolet Silverado 1500 – $2,544 per year ($212 per month)
Toyota Camry – $2,472 per year ($206 per month)
Honda Accord – $2,222 per year ($185 per month)
Hyundai Sonata – $2,332 per year ($194 per month)
Chevrolet Tahoe – $2,160 per year ($180 per month)
Honda Civic – $2,038 per year ($170 per month)
Toyota RAV4 – $2,122 per year ($177 per month)
Chevrolet Malibu – $2,232 per year ($186 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 June 27, 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
$3,918
$327
$500
$4,628
$386
$250
$5,382
$449
30
$1,000
$2,058
$172
$500
$2,456
$205
$250
$2,870
$239
40
$1,000
$1,934
$161
$500
$2,300
$192
$250
$2,680
$223
50
$1,000
$1,724
$144
$500
$2,040
$170
$250
$2,368
$197
60
$1,000
$1,616
$135
$500
$1,910
$159
$250
$2,218
$185
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 June 27, 2025
As illustrated in the chart above, average auto insurance cost for the sample driver profiles ranges from $1,616 per year for a 60-year-old driver with a policy with high deductibles to $5,382 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the same average rates above range from $135 to $449 per month.
Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver. Average rates range from $5,478 per year for a 19-year-old female driver up to $8,194 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 5.6% cheaper than Mississippi, 3.9% cheaper than Tennessee, 8.9% cheaper than Georgia, and 18% cheaper than Florida.
Compared to other states in the Southeast, Alabama auto insurance rates are 14.5% cheaper than Louisiana, 4.8% more expensive than South Carolina, 23.2% more expensive than North Carolina, and 19.6% 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 June 27, 2025.
Average Car Insurance Cost in Alabama Compared to Southeast Region
Southeast Region States
Average Annual Premium
Cost Difference
North Carolina
$1,822
-$478
Virginia
$1,890
-$410
South Carolina
$2,192
-$108
West Virginia
$2,288
-$12
Alabama
$2,300
--
Tennessee
$2,392
$92
Mississippi
$2,432
$132
Georgia
$2,514
$214
Arkansas
$2,556
$256
Kentucky
$2,600
$300
Louisiana
$2,660
$360
Florida
$2,754
$454
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 June 27, 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:
21.1% cheaper than California ($542 per year)
1.7% more expensive than Illinois ($38 per year)
2.2% cheaper than Texas ($50 per year)
20.3% cheaper than Nevada ($520 per year)
12.3% cheaper than Colorado ($302 per year)
17.9% 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 $1,700 per year and the Chevrolet Trailblazer at $1,730 per year.
Other vehicles that rank towards the top in our auto insurance price comparison are the Honda CR-V, 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 $167 or less per month.
For pickups and full-size SUVs, the cheapest insurance rates are on the Chevrolet Colorado at $2,026 per year, the Nissan Titan at $2,152 per year, the Chevrolet Tahoe at $2,160, and the Chevrolet Suburban at an average cost of $2,282 per year.
For luxury cars and SUVs, some of the cheapest insurance rates in Alabama can be found on the Acura Integra at $2,046 per year, the BMW 330i at $2,342 per year, the Mercedes-Benz CLA250 at $2,366 per year, the Acura RDX at $1,924 per year, the Lexus NX 250 at $2,036 per year, and the Cadillac XT4 at $2,078 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 June 27, 2025
Top 75 cheapest vehicles to insure in Alabama with the Subaru Crosstrek ranking first at $1,700 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 $2,574 per year and ranges from $2,134 to $5,946 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 June 26, 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
$5,946
$496
Safe Driver Age 20
$5,204
$434
At-fault Accidents Age 40
$3,652
$304
Low Deductibles Age 40
$3,374
$281
Safe Driver Age 30
$2,746
$229
Safe Driver Age 40
$2,574
$215
Safe Driver Age 50
$2,280
$190
High Deductibles Age 40
$2,164
$180
Safe Driver Age 60
$2,134
$178
Discount Rate Age 40
$2,134
$178
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 June 26, 2025
Nissan Altima insurance rates
Nissan Altima car insurance rates in Alabama range from $2,072 to $5,710 per year for the driver profiles in the chart below. Nissan Altima insurance costs an average of $2,492 per year or $208 per month in Alabama.
Figure 4: Average 2024 Nissan Altima insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 27, 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
$5,710
$476
Safe Driver Age 20
$4,998
$417
At-fault Accidents Age 40
$3,518
$293
Low Deductibles Age 40
$3,276
$273
Safe Driver Age 30
$2,660
$222
Safe Driver Age 40
$2,492
$208
Safe Driver Age 50
$2,206
$184
High Deductibles Age 40
$2,090
$174
Discount Rate Age 40
$2,072
$173
Safe Driver Age 60
$2,066
$172
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 June 27, 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 $2,108 to $5,904 per year for the example driver risk profiles, with average cost being $2,544 per year.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 27, 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
$5,904
$492
Safe Driver Age 20
$5,166
$431
At-fault Accidents Age 40
$3,634
$303
Low Deductibles Age 40
$3,284
$274
Safe Driver Age 30
$2,708
$226
Safe Driver Age 40
$2,544
$212
Safe Driver Age 50
$2,260
$188
High Deductibles Age 40
$2,166
$181
Safe Driver Age 60
$2,118
$177
Discount Rate Age 40
$2,108
$176
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 June 27, 2025
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Alabama as shown in the chart below range from $2,056 to $5,680 per year, with the average cost being $2,472.
Figure 6: Average 2024 Toyota Camry insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 27, 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
$5,680
$473
Safe Driver Age 20
$4,980
$415
At-fault Accidents Age 40
$3,486
$291
Low Deductibles Age 40
$3,282
$274
Safe Driver Age 30
$2,646
$221
Safe Driver Age 40
$2,472
$206
Safe Driver Age 50
$2,182
$182
High Deductibles Age 40
$2,056
$171
Discount Rate Age 40
$2,056
$171
Safe Driver Age 60
$2,046
$171
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 June 27, 2025
Honda Accord insurance rates
Average Honda Accord insurance rates in Alabama as shown in the chart below range from $1,848 to $5,110 per year, with the average cost being $2,222.
Figure 7: Average 2024 Honda Accord insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 26, 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
$5,110
$426
Safe Driver Age 20
$4,472
$373
At-fault Accidents Age 40
$3,140
$262
Low Deductibles Age 40
$2,930
$244
Safe Driver Age 30
$2,372
$198
Safe Driver Age 40
$2,222
$185
Safe Driver Age 50
$1,966
$164
High Deductibles Age 40
$1,862
$155
Discount Rate Age 40
$1,848
$154
Safe Driver Age 60
$1,842
$154
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 June 26, 2025
Hyundai Sonata insurance rates
Hyundai Sonata car insurance rates in Alabama range from $1,938 to $5,324 per year for the driver profiles in the chart below. Hyundai Sonata insurance costs an average of $2,332 per year or $194 per month in Alabama.
Figure 8: Average 2024 Hyundai Sonata insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 26, 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
$5,324
$444
Safe Driver Age 20
$4,654
$388
At-fault Accidents Age 40
$3,286
$274
Low Deductibles Age 40
$3,056
$255
Safe Driver Age 30
$2,488
$207
Safe Driver Age 40
$2,332
$194
Safe Driver Age 50
$2,068
$172
High Deductibles Age 40
$1,958
$163
Discount Rate Age 40
$1,938
$162
Safe Driver Age 60
$1,934
$161
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 June 26, 2025
Chevrolet Tahoe insurance rates
The average cost for Chevrolet Tahoe insurance in Alabama is $2,160 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,798 to $4,944 per year.
Figure 9: Average 2024 Chevrolet Tahoe insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 27, 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
$4,944
$412
Safe Driver Age 20
$4,328
$361
At-fault Accidents Age 40
$3,044
$254
Low Deductibles Age 40
$2,844
$237
Safe Driver Age 30
$2,306
$192
Safe Driver Age 40
$2,160
$180
Safe Driver Age 50
$1,914
$160
High Deductibles Age 40
$1,808
$151
Discount Rate Age 40
$1,798
$150
Safe Driver Age 60
$1,792
$149
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 June 27, 2025
Honda Civic insurance rates
Honda Civic car insurance rates in Alabama range from $1,696 to $4,622 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $2,038 per year or $170 per month in Alabama.
Figure 10: Average 2024 Honda Civic insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 27, 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
$4,622
$385
Safe Driver Age 20
$4,040
$337
At-fault Accidents Age 40
$2,856
$238
Low Deductibles Age 40
$2,670
$223
Safe Driver Age 30
$2,174
$181
Safe Driver Age 40
$2,038
$170
Safe Driver Age 50
$1,806
$151
High Deductibles Age 40
$1,708
$142
Discount Rate Age 40
$1,696
$141
Safe Driver Age 60
$1,690
$141
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 June 27, 2025
Toyota RAV4 insurance rates
The average cost for Toyota RAV4 insurance in Alabama is $1,926 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,766 to $4,882 per year.
Figure 11: Average 2024 Toyota RAV4 insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 27, 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
$4,882
$407
Safe Driver Age 20
$4,266
$356
At-fault Accidents Age 40
$3,012
$251
Low Deductibles Age 40
$2,746
$229
Safe Driver Age 30
$2,260
$188
Safe Driver Age 40
$2,122
$177
Safe Driver Age 50
$1,886
$157
High Deductibles Age 40
$1,798
$150
Safe Driver Age 60
$1,766
$147
Discount Rate Age 40
$1,766
$147
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 June 27, 2025
Chevrolet Malibu insurance rates
The average cost for Chevrolet Malibu insurance in Alabama is $2,232 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,852 to $5,102 per year.
Figure 12: Average 2024 Chevrolet Malibu insurance premiums in Alabama for different driver ages and risk scenarios. Rates updated on June 26, 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
$5,102
$425
Safe Driver Age 20
$4,446
$371
At-fault Accidents Age 40
$3,166
$264
Low Deductibles Age 40
$2,846
$237
Safe Driver Age 30
$2,372
$198
Safe Driver Age 40
$2,232
$186
Safe Driver Age 50
$1,990
$166
High Deductibles Age 40
$1,910
$159
Safe Driver Age 60
$1,858
$155
Discount Rate Age 40
$1,852
$154
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 June 26, 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.
