How much are average car insurance rates in Alabama?
The average cost of car insurance in Alabama is $1,240 per year, which is 20.1% less than the U.S. national average rate of $1,551. The average cost per month for Alabama car insurance is approximately $103 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 – $1,200 per year ($100 per month)
- Nissan Altima – $1,388 per year ($116 per month)
- Chevrolet Silverado 1500 – $1,334 per year ($111 per month)
- Toyota Camry – $1,220 per year ($102 per month)
- Honda Accord – $1,294 per year ($108 per month)
- Hyundai Sonata – $1,416 per year ($118 per month)
- Chevrolet Tahoe – $1,248 per year ($104 per month)
- Honda Civic – $1,230 per year ($103 per month)
- Toyota RAV4 – $1,174 per year ($98 per month)
- Chevrolet Malibu – $1,288 per year ($107 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 2022 vehicle models including luxury brand cars and SUVs.
Chart Data Details: Chart shows average Alabama car insurance rates for 2022 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 19, 2022
Average Car Insurance Cost in Alabama Driver Age | Deductible | Annual Cost | Monthly Cost |
20 | $1,000 | $2,090 | $174 |
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$500 | $2,460 | $205 |
$250 | $2,852 | $238 |
30 | $1,000 | $1,098 | $92 |
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$500 | $1,306 | $109 |
$250 | $1,524 | $127 |
40 | $1,000 | $1,048 | $87 |
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$500 | $1,240 | $103 |
$250 | $1,440 | $120 |
50 | $1,000 | $958 | $80 |
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$500 | $1,130 | $94 |
$250 | $1,308 | $109 |
60 | $1,000 | $942 | $79 |
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$500 | $1,112 | $93 |
$250 | $1,286 | $107 |
As illustrated in the chart above, average auto insurance cost for the sample driver profiles ranges from $942 per year for a 60-year-old driver with a policy with high deductibles to $2,852 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the same average rates above range from $79 to $238 per month.
Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver. Average rates range from $3,116 per year for a 19-year-old female driver up to $4,446 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 13.8% cheaper than Mississippi, 2.8% more expensive than Tennessee, 15.8% cheaper than Georgia, and 44.3% cheaper than Florida.
Compared to other states in the Southeast, Alabama auto insurance rates are 43.8% cheaper than Louisiana, 11.7% cheaper expensive than South Carolina, 28.4% more expensive than North Carolina, and 26.3% 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 #4 out of the 12 Southeast region states, and only the states of Virginia, North Carolina, and Tennessee have cheaper overall car insurance rates.
Average Car Insurance Cost in Alabama Compared to Southeast Region Southeast Region States | Average Insurance Cost | Annual Difference |
North Carolina | $966 | -$274 |
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Virginia | $982 | -$258 |
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Tennessee | $1,206 | -$34 |
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Alabama | $1,240 | -- |
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West Virginia | $1,370 | $130 |
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South Carolina | $1,404 | $164 |
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Mississippi | $1,438 | $198 |
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Georgia | $1,472 | $232 |
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Arkansas | $1,630 | $390 |
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Kentucky | $1,772 | $532 |
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Louisiana | $2,206 | $966 |
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Florida | $2,228 | $988 |
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% cheaper than California ($506 per year)
- 0.6% more expensive than Illinois ($8 per year)
- 13.6% cheaper than Texas ($196 per year)
- 25.8% cheaper than Nevada ($432 per year)
- 23.7% cheaper than Colorado ($386 per year)
- 23.5% cheaper than New York ($380 per year)
Which vehicles are cheapest to insure in Alabama?
When the average cost of car insurance is compared for all models, the 2022 model year vehicles with the cheapest car insurance quotes in Alabama are the Mazda CX-5 at $946 per year and the Nissan Kicks at $970 per year.
Other vehicles that rank towards the top in our auto insurance price comparison are the Toyota Corolla Cross, Hyundai Kona, Subaru Impreza, and Hyundai Venue.
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 $90 or less per month.
For pickups and full-size SUVs, the cheapest insurance rates are on the Chevrolet Colorado at $1,024 per year, the Ford F150 at $1,200 per year, the Chevrolet Tahoe at $1,248, and the Chevrolet Suburban at an average cost of $1,286 per year.
For luxury cars and SUVs, some of the cheapest insurance rates in Alabama can be found on the Acura ILX at $1,144 per year, the Mercedes-Benz A220 at $1,222 per year, the BMW 330i at $1,314 per year, the Acura RDX at $1,064 per year, the Cadillac XT4 at $1,092 per year, and the Volvo XC40 at $1,196 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 | Mazda CX-5 | $946 | $79 |
2 | Nissan Kicks | $970 | $81 |
3 | Chevrolet Trailblazer | $974 | $81 |
4 | Honda Passport | $998 | $83 |
5 | Subaru Crosstrek | $998 | $83 |
6 | Chevrolet Colorado | $1,024 | $85 |
7 | Buick Encore | $1,026 | $86 |
8 | Toyota C-HR | $1,028 | $86 |
9 | Nissan Rogue Sport | $1,036 | $86 |
10 | Hyundai Venue | $1,054 | $88 |
11 | Buick Envision | $1,056 | $88 |
12 | Kia Seltos | $1,060 | $88 |
13 | Acura RDX | $1,064 | $89 |
14 | Ford Maverick | $1,064 | $89 |
15 | Subaru Ascent | $1,066 | $89 |
16 | Toyota Corolla Cross | $1,066 | $89 |
17 | Hyundai Kona | $1,076 | $90 |
18 | Mazda MX-5 Miata | $1,076 | $90 |
19 | Subaru Forester | $1,076 | $90 |
20 | Subaru Impreza | $1,076 | $90 |
21 | Volkswagen Tiguan | $1,078 | $90 |
22 | Chevrolet Spark | $1,080 | $90 |
23 | Honda CR-V | $1,088 | $91 |
24 | Cadillac XT4 | $1,092 | $91 |
25 | Mazda CX-30 | $1,100 | $92 |
26 | Ford Ranger | $1,102 | $92 |
27 | Honda HR-V | $1,114 | $93 |
28 | Ford Edge | $1,120 | $93 |
29 | Ford Ecosport | $1,126 | $94 |
30 | Chevrolet Trax | $1,138 | $95 |
31 | Subaru Outback | $1,140 | $95 |
32 | Acura ILX | $1,144 | $95 |
33 | GMC Terrain | $1,144 | $95 |
34 | Mitsubishi Eclipse Cross | $1,148 | $96 |
35 | Hyundai Tucson | $1,154 | $96 |
36 | Nissan Murano | $1,154 | $96 |
37 | Toyota Tacoma | $1,154 | $96 |
38 | Chevrolet Bolt | $1,158 | $97 |
39 | Honda Odyssey | $1,158 | $97 |
40 | Chevrolet Equinox | $1,160 | $97 |
41 | Toyota Venza | $1,160 | $97 |
42 | Volkswagen Taos | $1,164 | $97 |
43 | Ford Explorer | $1,166 | $97 |
44 | Fiat 500X | $1,168 | $97 |
45 | Kia Soul | $1,174 | $98 |
46 | Toyota RAV4 | $1,174 | $98 |
47 | Kia Sorento | $1,178 | $98 |
48 | Nissan Frontier | $1,184 | $99 |
49 | GMC Canyon | $1,188 | $99 |
50 | Hyundai Palisade | $1,192 | $99 |
51 | Hyundai Santa Cruz | $1,192 | $99 |
52 | Volkswagen Golf | $1,194 | $100 |
53 | Volvo XC40 | $1,196 | $100 |
54 | Mazda MX-30 | $1,198 | $100 |
55 | Ford F150 | $1,200 | $100 |
56 | Volkswagen Atlas | $1,200 | $100 |
57 | Jeep Compass | $1,202 | $100 |
58 | Subaru Legacy | $1,204 | $100 |
59 | Honda Insight | $1,206 | $101 |
60 | Kia Niro | $1,206 | $101 |
61 | Volkswagen Jetta | $1,206 | $101 |
62 | Nissan Sentra | $1,210 | $101 |
63 | Honda Ridgeline | $1,212 | $101 |
64 | Toyota 4Runner | $1,212 | $101 |
65 | Nissan Rogue | $1,214 | $101 |
66 | Ford Escape | $1,220 | $102 |
67 | Jeep Gladiator | $1,220 | $102 |
68 | Kia K5 | $1,220 | $102 |
69 | Toyota Camry | $1,220 | $102 |
70 | Toyota Corolla | $1,220 | $102 |
71 | Cadillac XT5 | $1,222 | $102 |
72 | Mercedes-Benz A220 | $1,222 | $102 |
73 | Kia Rio | $1,224 | $102 |
74 | Volkswagen Passat | $1,226 | $102 |
75 | Mazda 3 | $1,228 | $102 |
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 March 24, 2022
Detailed car insurance rates for 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 $1,200 per year and ranges from $996 to $2,710 per year for the sample driver risk profiles shown in the chart below.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Ford F150 Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,710 | $226 |
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Safe Driver Age 20 | $2,374 | $198 |
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At-fault Accidents Age 40 | $1,694 | $141 |
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Low Deductibles Age 40 | $1,548 | $129 |
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Safe Driver Age 30 | $1,260 | $105 |
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Safe Driver Age 40 | $1,200 | $100 |
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Safe Driver Age 50 | $1,094 | $91 |
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Safe Driver Age 60 | $1,072 | $89 |
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High Deductibles Age 40 | $1,020 | $85 |
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Discount Rate Age 40 | $996 | $83 |
Nissan Altima insurance rates
Nissan Altima car insurance rates in Alabama range from $1,152 to $3,152 per year for the driver profiles in the chart below. Nissan Altima insurance costs an average of $1,388 per year or $116 per month in Alabama.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Nissan Altima Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,152 | $263 |
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Safe Driver Age 20 | $2,762 | $230 |
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At-fault Accidents Age 40 | $1,966 | $164 |
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Low Deductibles Age 40 | $1,790 | $149 |
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Safe Driver Age 30 | $1,458 | $122 |
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Safe Driver Age 40 | $1,388 | $116 |
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Safe Driver Age 50 | $1,264 | $105 |
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Safe Driver Age 60 | $1,242 | $104 |
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High Deductibles Age 40 | $1,182 | $99 |
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Discount Rate Age 40 | $1,152 | $96 |
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 $1,106 to $3,054 per year for the example driver risk profiles, with average cost being $1,334 per year.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Chevrolet Silverado Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,054 | $255 |
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Safe Driver Age 20 | $2,674 | $223 |
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At-fault Accidents Age 40 | $1,896 | $158 |
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Low Deductibles Age 40 | $1,724 | $144 |
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Safe Driver Age 30 | $1,400 | $117 |
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Safe Driver Age 40 | $1,334 | $111 |
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Safe Driver Age 50 | $1,218 | $102 |
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Safe Driver Age 60 | $1,196 | $100 |
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High Deductibles Age 40 | $1,134 | $95 |
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Discount Rate Age 40 | $1,106 | $92 |
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Alabama as shown in the chart below range from $1,018 to $2,762 per year, with the average cost being $1,220.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Toyota Camry Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,762 | $230 |
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Safe Driver Age 20 | $2,422 | $202 |
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At-fault Accidents Age 40 | $1,716 | $143 |
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Low Deductibles Age 40 | $1,596 | $133 |
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Safe Driver Age 30 | $1,288 | $107 |
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Safe Driver Age 40 | $1,220 | $102 |
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Safe Driver Age 50 | $1,110 | $93 |
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Safe Driver Age 60 | $1,090 | $91 |
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High Deductibles Age 40 | $1,026 | $86 |
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Discount Rate Age 40 | $1,018 | $85 |
Honda Accord insurance rates
Average Honda Accord insurance rates in Alabama as shown in the chart below range from $1,074 to $2,958 per year, with the average cost being $1,294.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Honda Accord Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,958 | $247 |
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Safe Driver Age 20 | $2,590 | $216 |
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At-fault Accidents Age 40 | $1,832 | $153 |
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Low Deductibles Age 40 | $1,692 | $141 |
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Safe Driver Age 30 | $1,364 | $114 |
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Safe Driver Age 40 | $1,294 | $108 |
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Safe Driver Age 50 | $1,180 | $98 |
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Safe Driver Age 60 | $1,158 | $97 |
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High Deductibles Age 40 | $1,090 | $91 |
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Discount Rate Age 40 | $1,074 | $90 |
Hyundai Sonata insurance rates
Hyundai Sonata car insurance rates in Alabama range from $1,172 to $3,208 per year for the driver profiles in the chart below. Hyundai Sonata insurance costs an average of $1,416 per year or $118 per month in Alabama.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Hyundai Sonata Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $3,208 | $267 |
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Safe Driver Age 20 | $2,810 | $234 |
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At-fault Accidents Age 40 | $2,000 | $167 |
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Low Deductibles Age 40 | $1,816 | $151 |
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Safe Driver Age 30 | $1,482 | $124 |
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Safe Driver Age 40 | $1,416 | $118 |
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Safe Driver Age 50 | $1,288 | $107 |
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Safe Driver Age 60 | $1,264 | $105 |
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High Deductibles Age 40 | $1,206 | $101 |
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Discount Rate Age 40 | $1,172 | $98 |
Chevrolet Tahoe insurance rates
The average cost for Chevrolet Tahoe insurance in Alabama is $1,248 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,038 to $2,830 per year.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Chevrolet Tahoe Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,830 | $236 |
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Safe Driver Age 20 | $2,480 | $207 |
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At-fault Accidents Age 40 | $1,752 | $146 |
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Low Deductibles Age 40 | $1,640 | $137 |
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Safe Driver Age 30 | $1,316 | $110 |
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Safe Driver Age 40 | $1,248 | $104 |
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Safe Driver Age 50 | $1,134 | $95 |
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Safe Driver Age 60 | $1,114 | $93 |
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High Deductibles Age 40 | $1,044 | $87 |
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Discount Rate Age 40 | $1,038 | $87 |
Honda Civic insurance rates
Honda Civic car insurance rates in Alabama range from $1,020 to $2,772 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,230 per year or $103 per month in Alabama.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Honda Civic Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,772 | $231 |
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Safe Driver Age 20 | $2,428 | $202 |
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At-fault Accidents Age 40 | $1,732 | $144 |
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Low Deductibles Age 40 | $1,580 | $132 |
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Safe Driver Age 30 | $1,290 | $108 |
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Safe Driver Age 40 | $1,230 | $103 |
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Safe Driver Age 50 | $1,118 | $93 |
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Safe Driver Age 60 | $1,096 | $91 |
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High Deductibles Age 40 | $1,046 | $87 |
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Discount Rate Age 40 | $1,020 | $85 |
Toyota RAV4 insurance rates
The average cost for Toyota RAV4 insurance in Alabama is $1,194 per year. The chart below shows rates for additional driver profiles with prices ranging from $976 to $2,662 per year.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Toyota RAV4 Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,662 | $222 |
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Safe Driver Age 20 | $2,332 | $194 |
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At-fault Accidents Age 40 | $1,650 | $138 |
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Low Deductibles Age 40 | $1,534 | $128 |
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Safe Driver Age 30 | $1,236 | $103 |
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Safe Driver Age 40 | $1,174 | $98 |
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Safe Driver Age 50 | $1,068 | $89 |
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Safe Driver Age 60 | $1,050 | $88 |
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High Deductibles Age 40 | $988 | $82 |
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Discount Rate Age 40 | $976 | $81 |
Chevrolet Malibu insurance rates
The average cost for Chevrolet Malibu insurance in Alabama is $1,288 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,070 to $2,906 per year.
Chart Data Details: Average rates are for a 2022 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 19, 2022
Chevrolet Malibu Insurance Cost in Alabama Driver Risk Profile | Annual Rate | Monthly Rate |
High Risk Driver Age 30 | $2,906 | $242 |
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Safe Driver Age 20 | $2,546 | $212 |
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At-fault Accidents Age 40 | $1,822 | $152 |
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Low Deductibles Age 40 | $1,644 | $137 |
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Safe Driver Age 30 | $1,352 | $113 |
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Safe Driver Age 40 | $1,288 | $107 |
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Safe Driver Age 50 | $1,172 | $98 |
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Safe Driver Age 60 | $1,150 | $96 |
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High Deductibles Age 40 | $1,104 | $92 |
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Discount Rate Age 40 | $1,070 | $89 |
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.