How much are average car insurance rates in Alabama?
The average cost of car insurance in Alabama is $1,586 per year, which is 6.1% less than the U.S. national average rate of $1,685. The average cost per month for Alabama car insurance is approximately $132 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 – $1,614 per year ($135 per month)
- Nissan Altima – $1,694 per year ($141 per month)
- Chevrolet Silverado 1500 – $1,736 per year ($145 per month)
- Toyota Camry – $1,508 per year ($126 per month)
- Honda Accord – $1,602 per year ($134 per month)
- Hyundai Sonata – $1,768 per year ($147 per month)
- Chevrolet Tahoe – $1,488 per year ($124 per month)
- Honda Civic – $1,552 per year ($129 per month)
- Toyota RAV4 – $1,470 per year ($123 per month)
- Chevrolet Malibu – $1,544 per year ($129 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 2023 vehicle models including luxury brand cars and SUVs.
Chart Data Details: Chart shows average Alabama car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Alabama zip codes.Data last updated on May 5, 2023
Average Car Insurance Cost in Alabama Driver Age | Deductible | Annual Cost | Monthly Cost |
20 | $1,000 | $2,674 | $223 |
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$500 | $3,158 | $263 |
$250 | $3,670 | $306 |
30 | $1,000 | $1,400 | $117 |
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$500 | $1,672 | $139 |
$250 | $1,954 | $163 |
40 | $1,000 | $1,338 | $112 |
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$500 | $1,586 | $132 |
$250 | $1,844 | $154 |
50 | $1,000 | $1,222 | $102 |
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$500 | $1,444 | $120 |
$250 | $1,678 | $140 |
60 | $1,000 | $1,200 | $100 |
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$500 | $1,418 | $118 |
$250 | $1,648 | $137 |
As illustrated in the chart above, average auto insurance cost for the sample driver profiles ranges from $1,200 per year for a 60-year-old driver with a policy with high deductibles to $3,670 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the same average rates above range from $100 to $306 per month.
Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver. Average rates range from $3,998 per year for a 19-year-old female driver up to $5,686 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 8.2% cheaper than Mississippi, 5.6% cheaper than Tennessee, 12.8% cheaper than Georgia, and 32.3% cheaper than Florida.
Compared to other states in the Southeast, Alabama auto insurance rates are 27.9% cheaper than Louisiana, 6.9% more expensive than South Carolina, 36.2% more expensive than North Carolina, and 29.9% 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.
Average Car Insurance Cost in Alabama Compared to Southeast Region Southeast Region States | Average Insurance Cost | Annual Difference |
North Carolina | $1,100 | -$486 |
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Virginia | $1,174 | -$412 |
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South Carolina | $1,480 | -$106 |
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West Virginia | $1,572 | -$14 |
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Alabama | $1,586 | -- |
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Tennessee | $1,678 | $92 |
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Mississippi | $1,722 | $136 |
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Georgia | $1,802 | $216 |
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Arkansas | $1,846 | $260 |
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Kentucky | $1,888 | $302 |
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Louisiana | $2,100 | $514 |
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Florida | $2,196 | $610 |
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:
- 29.5% cheaper than California ($548 per year)
- 2.6% more expensive than Illinois ($40 per year)
- 3.2% cheaper than Texas ($52 per year)
- 28.4% cheaper than Nevada ($524 per year)
- 17.6% cheaper than Colorado ($306 per year)
- 25.1% cheaper than New York ($456 per year)
Which vehicles are cheapest to insure in Alabama?
When the average cost of car insurance is compared for all models, the 2023 model year vehicles with the cheapest car insurance quotes in Alabama are the Chevrolet Trailblazer at $1,202 per year and the Subaru Crosstrek at $1,212 per year.
Other vehicles that rank towards the top in our auto insurance price comparison are the Chevrolet Colorado, Hyundai Kona, Subaru Forester, and Subaru Ascent.
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 $112 or less per month.
For pickups and full-size SUVs, the cheapest insurance rates are on the Ford Maverick at $1,316 per year, the Nissan Titan at $1,570 per year, the Chevrolet Tahoe at $1,488, and the Chevrolet Suburban at an average cost of $1,572 per year.
For luxury cars and SUVs, some of the cheapest insurance rates in Alabama can be found on the Acura Integra at $1,426 per year, the BMW 330i at $1,612 per year, the Acura TLX at $1,638 per year, the Acura RDX at $1,324 per year, the Lexus RX 350 at $1,420 per year, and the Cadillac XT4 at $1,432 per year.
The top 75 vehicles to insure in Alabama are ranked in the table below, with average annual and monthly rates shown.
Top 75 Cheapest Vehicles to Insure in Alabama Rank | Make/Model | Annual Cost | Monthly Cost |
1 | Chevrolet Trailblazer | $1,202 | $100 |
2 | Subaru Crosstrek | $1,212 | $101 |
3 | Nissan Kicks | $1,216 | $101 |
4 | Honda Passport | $1,232 | $103 |
5 | Nissan Rogue Sport | $1,240 | $103 |
6 | Mazda CX-5 | $1,248 | $104 |
7 | Buick Encore | $1,266 | $106 |
8 | Buick Envision | $1,270 | $106 |
9 | Kia Seltos | $1,286 | $107 |
10 | Subaru Ascent | $1,290 | $108 |
11 | Hyundai Venue | $1,294 | $108 |
12 | Subaru Impreza | $1,314 | $110 |
13 | Ford Maverick | $1,316 | $110 |
14 | Honda HR-V | $1,318 | $110 |
15 | Chevrolet Colorado | $1,322 | $110 |
16 | Acura RDX | $1,324 | $110 |
17 | Hyundai Kona | $1,332 | $111 |
18 | Subaru Forester | $1,338 | $112 |
19 | Ford Edge | $1,346 | $112 |
20 | Honda CR-V | $1,346 | $112 |
21 | Mazda CX-30 | $1,350 | $113 |
22 | Ford Explorer | $1,354 | $113 |
23 | Volkswagen Atlas | $1,356 | $113 |
24 | Chevrolet Trax | $1,364 | $114 |
25 | Nissan Murano | $1,364 | $114 |
26 | Subaru Outback | $1,366 | $114 |
27 | Nissan Frontier | $1,370 | $114 |
28 | Volkswagen Tiguan | $1,378 | $115 |
29 | Ford Bronco Sport | $1,384 | $115 |
30 | Fiat 500X | $1,406 | $117 |
31 | Ford Ranger | $1,408 | $117 |
32 | GMC Terrain | $1,410 | $118 |
33 | Kia Soul | $1,412 | $118 |
34 | Mitsubishi Eclipse Cross | $1,416 | $118 |
35 | Volkswagen Atlas Cross Sport | $1,418 | $118 |
36 | Lexus RX 350 | $1,420 | $118 |
37 | Acura Integra | $1,426 | $119 |
38 | Chevrolet Equinox | $1,426 | $119 |
39 | Cadillac XT4 | $1,432 | $119 |
40 | Toyota Corolla Cross | $1,434 | $120 |
41 | Volkswagen Taos | $1,436 | $120 |
42 | GMC Canyon | $1,440 | $120 |
43 | Toyota Venza | $1,446 | $121 |
44 | Mazda CX-50 | $1,448 | $121 |
45 | Toyota Tacoma | $1,450 | $121 |
46 | Volkswagen Jetta | $1,450 | $121 |
47 | Honda Odyssey | $1,452 | $121 |
48 | Hyundai Tucson | $1,452 | $121 |
49 | Ford Escape | $1,454 | $121 |
50 | Kia Sorento | $1,456 | $121 |
51 | Nissan Rogue | $1,458 | $122 |
52 | Volvo XC40 | $1,460 | $122 |
53 | Subaru Legacy | $1,462 | $122 |
54 | Infiniti QX50 | $1,468 | $122 |
55 | Mazda MX-5 Miata | $1,468 | $122 |
56 | Toyota RAV4 | $1,470 | $123 |
57 | Mazda MX-30 | $1,472 | $123 |
58 | Hyundai Palisade | $1,474 | $123 |
59 | Hyundai Santa Cruz | $1,474 | $123 |
60 | Kia Niro | $1,474 | $123 |
61 | Nissan Sentra | $1,474 | $123 |
62 | Mini Cooper | $1,482 | $124 |
63 | Lexus UX 250h | $1,484 | $124 |
64 | Chevrolet Tahoe | $1,488 | $124 |
65 | Jeep Compass | $1,488 | $124 |
66 | Toyota 4Runner | $1,488 | $124 |
67 | Toyota Corolla | $1,488 | $124 |
68 | Volkswagen Golf | $1,494 | $125 |
69 | Toyota Prius | $1,496 | $125 |
70 | Mini Cooper Clubman | $1,506 | $126 |
71 | Cadillac XT5 | $1,508 | $126 |
72 | Toyota Camry | $1,508 | $126 |
73 | GMC Acadia | $1,512 | $126 |
74 | Chevrolet Traverse | $1,514 | $126 |
75 | Mazda 3 | $1,522 | $127 |
Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Alabama.Data last updated on May 5, 2023
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 $1,614 per year and ranges from $1,340 to $3,638 per year for the sample driver risk profiles shown in the chart below.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Ford F150 Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,638 | $303 |
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Safe Driver Age 20 | $3,188 | $266 |
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At-fault Accidents Age 40 | $2,266 | $189 |
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Low Deductibles Age 40 | $2,100 | $175 |
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Safe Driver Age 30 | $1,698 | $142 |
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Safe Driver Age 40 | $1,614 | $135 |
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Safe Driver Age 50 | $1,466 | $122 |
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Safe Driver Age 60 | $1,440 | $120 |
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High Deductibles Age 40 | $1,362 | $114 |
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Discount Rate Age 40 | $1,340 | $112 |
Nissan Altima insurance rates
Nissan Altima car insurance rates in Alabama range from $1,406 to $3,840 per year for the driver profiles in the chart below. Nissan Altima insurance costs an average of $1,694 per year or $141 per month in Alabama.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Nissan Altima Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,840 | $320 |
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Safe Driver Age 20 | $3,364 | $280 |
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At-fault Accidents Age 40 | $2,394 | $200 |
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Low Deductibles Age 40 | $2,180 | $182 |
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Safe Driver Age 30 | $1,776 | $148 |
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Safe Driver Age 40 | $1,694 | $141 |
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Safe Driver Age 50 | $1,544 | $129 |
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Safe Driver Age 60 | $1,516 | $126 |
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High Deductibles Age 40 | $1,442 | $120 |
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Discount Rate Age 40 | $1,406 | $117 |
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 $1,440 to $3,970 per year for the example driver risk profiles, with average cost being $1,736 per year.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Chevrolet Silverado Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,970 | $331 |
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Safe Driver Age 20 | $3,474 | $290 |
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At-fault Accidents Age 40 | $2,468 | $206 |
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Low Deductibles Age 40 | $2,224 | $185 |
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Safe Driver Age 30 | $1,818 | $152 |
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Safe Driver Age 40 | $1,736 | $145 |
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Safe Driver Age 50 | $1,584 | $132 |
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Safe Driver Age 60 | $1,556 | $130 |
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High Deductibles Age 40 | $1,486 | $124 |
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Discount Rate Age 40 | $1,440 | $120 |
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Alabama as shown in the chart below range from $1,256 to $3,420 per year, with the average cost being $1,508.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Toyota Camry Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,420 | $285 |
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Safe Driver Age 20 | $2,996 | $250 |
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At-fault Accidents Age 40 | $2,124 | $177 |
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Low Deductibles Age 40 | $1,972 | $164 |
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Safe Driver Age 30 | $1,592 | $133 |
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Safe Driver Age 40 | $1,508 | $126 |
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Safe Driver Age 50 | $1,376 | $115 |
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Safe Driver Age 60 | $1,350 | $113 |
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High Deductibles Age 40 | $1,270 | $106 |
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Discount Rate Age 40 | $1,256 | $105 |
Honda Accord insurance rates
Average Honda Accord insurance rates in Alabama as shown in the chart below range from $1,332 to $3,664 per year, with the average cost being $1,602.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Honda Accord Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,664 | $305 |
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Safe Driver Age 20 | $3,206 | $267 |
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At-fault Accidents Age 40 | $2,266 | $189 |
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Low Deductibles Age 40 | $2,104 | $175 |
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Safe Driver Age 30 | $1,692 | $141 |
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Safe Driver Age 40 | $1,602 | $134 |
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Safe Driver Age 50 | $1,464 | $122 |
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Safe Driver Age 60 | $1,438 | $120 |
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High Deductibles Age 40 | $1,346 | $112 |
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Discount Rate Age 40 | $1,332 | $111 |
Hyundai Sonata insurance rates
Hyundai Sonata car insurance rates in Alabama range from $1,466 to $4,002 per year for the driver profiles in the chart below. Hyundai Sonata insurance costs an average of $1,768 per year or $147 per month in Alabama.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Hyundai Sonata Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $4,002 | $334 |
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Safe Driver Age 20 | $3,506 | $292 |
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At-fault Accidents Age 40 | $2,500 | $208 |
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Low Deductibles Age 40 | $2,274 | $190 |
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Safe Driver Age 30 | $1,860 | $155 |
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Safe Driver Age 40 | $1,768 | $147 |
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Safe Driver Age 50 | $1,612 | $134 |
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Safe Driver Age 60 | $1,582 | $132 |
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High Deductibles Age 40 | $1,506 | $126 |
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Discount Rate Age 40 | $1,466 | $122 |
Chevrolet Tahoe insurance rates
The average cost for Chevrolet Tahoe insurance in Alabama is $1,488 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,236 to $3,368 per year.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Chevrolet Tahoe Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,368 | $281 |
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Safe Driver Age 20 | $2,950 | $246 |
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At-fault Accidents Age 40 | $2,090 | $174 |
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Low Deductibles Age 40 | $1,952 | $163 |
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Safe Driver Age 30 | $1,570 | $131 |
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Safe Driver Age 40 | $1,488 | $124 |
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Safe Driver Age 50 | $1,354 | $113 |
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Safe Driver Age 60 | $1,330 | $111 |
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High Deductibles Age 40 | $1,248 | $104 |
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Discount Rate Age 40 | $1,236 | $103 |
Honda Civic insurance rates
Honda Civic car insurance rates in Alabama range from $1,290 to $3,504 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,552 per year or $129 per month in Alabama.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Honda Civic Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,504 | $292 |
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Safe Driver Age 20 | $3,072 | $256 |
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At-fault Accidents Age 40 | $2,190 | $183 |
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Low Deductibles Age 40 | $2,002 | $167 |
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Safe Driver Age 30 | $1,632 | $136 |
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Safe Driver Age 40 | $1,552 | $129 |
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Safe Driver Age 50 | $1,414 | $118 |
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Safe Driver Age 60 | $1,386 | $116 |
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High Deductibles Age 40 | $1,320 | $110 |
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Discount Rate Age 40 | $1,290 | $108 |
Toyota RAV4 insurance rates
The average cost for Toyota RAV4 insurance in Alabama is $1,466 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,222 to $3,340 per year.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Toyota RAV4 Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,340 | $278 |
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Safe Driver Age 20 | $2,926 | $244 |
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At-fault Accidents Age 40 | $2,070 | $173 |
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Low Deductibles Age 40 | $1,926 | $161 |
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Safe Driver Age 30 | $1,554 | $130 |
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Safe Driver Age 40 | $1,470 | $123 |
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Safe Driver Age 50 | $1,340 | $112 |
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Safe Driver Age 60 | $1,316 | $110 |
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High Deductibles Age 40 | $1,236 | $103 |
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Discount Rate Age 40 | $1,222 | $102 |
Chevrolet Malibu insurance rates
The average cost for Chevrolet Malibu insurance in Alabama is $1,544 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,284 to $3,476 per year.
Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on May 5, 2023
2023 Chevrolet Malibu Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,476 | $290 |
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Safe Driver Age 20 | $3,046 | $254 |
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At-fault Accidents Age 40 | $2,182 | $182 |
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Low Deductibles Age 40 | $1,964 | $164 |
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Safe Driver Age 30 | $1,614 | $135 |
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Safe Driver Age 40 | $1,544 | $129 |
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Safe Driver Age 50 | $1,406 | $117 |
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Safe Driver Age 60 | $1,380 | $115 |
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High Deductibles Age 40 | $1,326 | $111 |
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Discount Rate Age 40 | $1,284 | $107 |
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.