Alabama Car Insurance Cost for 2023

What does average car insurance cost in Alabama? Find rates by vehicle segment, comparisons to other states, plus the cheapest vehicles to insure!

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How much are average car insurance rates in Alabama?

The average cost of car insurance in Alabama is $1,628 per year, which is 6% less than the U.S. national average rate of $1,728. The average cost per month for Alabama car insurance is approximately $136 for a full coverage policy.

Average car insurance quotes in Alabama for the top ten most popular vehicles in the state are shown below.

  1. Ford F-150 – $1,652 per year ($138 per month)
  2. Nissan Altima – $1,734 per year ($145 per month)
  3. Chevrolet Silverado 1500 – $1,780 per year ($148 per month)
  4. Toyota Camry – $1,546 per year ($129 per month)
  5. Honda Accord – $1,642 per year ($137 per month)
  6. Hyundai Sonata – $1,814 per year ($151 per month)
  7. Chevrolet Tahoe – $1,522 per year ($127 per month)
  8. Honda Civic – $1,590 per year ($133 per month)
  9. Toyota RAV4 – $1,504 per year ($125 per month)
  10. Chevrolet Malibu – $1,582 per year ($132 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.

Get Rates in Your AreaWhy is this important?

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 August 12, 2023
Average Car Insurance Cost in Alabama
Average Car Insurance Cost in Alabama
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,736$228
$500$3,234$270
$250$3,756$313
30$1,000$1,436$120
$500$1,714$143
$250$2,002$167
40$1,000$1,372$114
$500$1,628$136
$250$1,892$158
50$1,000$1,254$105
$500$1,480$123
$250$1,720$143
60$1,000$1,228$102
$500$1,452$121
$250$1,688$141

As illustrated in the chart above, average auto insurance cost for the sample driver profiles ranges from $1,228 per year for a 60-year-old driver with a policy with high deductibles to $3,756 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the same average rates above range from $102 to $313 per month.

Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver. Average rates range from $4,096 per year for a 19-year-old female driver up to $5,824 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 7.8% cheaper than Mississippi, 5.4% cheaper than Tennessee, 12.2% cheaper than Georgia, and 31% cheaper than Florida.

Compared to other states in the Southeast, Alabama auto insurance rates are 26.9% cheaper than Louisiana, 7% more expensive than South Carolina, 35.1% more expensive than North Carolina, and 29.5% 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.

Get Rates in Your AreaWhy is this important?

Alabama Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in Alabama Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$1,142-$486
Virginia$1,210-$418
South Carolina$1,518-$110
West Virginia$1,612-$16
Alabama$1,628--
Tennessee$1,718$90
Mississippi$1,760$132
Georgia$1,840$212
Arkansas$1,886$258
Kentucky$1,928$300
Louisiana$2,134$506
Florida$2,226$598

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:

  • 28.6% cheaper than California ($544 per year)
  • 2.6% more expensive than Illinois ($42 per year)
  • 2.9% cheaper than Texas ($48 per year)
  • 27.6% cheaper than Nevada ($522 per year)
  • 17% cheaper than Colorado ($302 per year)
  • 24.6% 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 $1,230 per year and the Subaru Crosstrek at $1,240 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 $115 or less per month.

For pickups and full-size SUVs, the cheapest insurance rates are on the Ford Maverick at $1,348 per year, the Nissan Titan at $1,608 per year, the Chevrolet Tahoe at $1,522, and the Chevrolet Suburban at an average cost of $1,610 per year.

For luxury cars and SUVs, some of the cheapest insurance rates in Alabama can be found on the Acura Integra at $1,458 per year, the BMW 330i at $1,650 per year, the Acura TLX at $1,676 per year, the Acura RDX at $1,356 per year, the Lexus RX 350 at $1,456 per year, and the Cadillac XT4 at $1,468 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
1Chevrolet Trailblazer$1,230$103
2Subaru Crosstrek$1,240$103
3Nissan Kicks$1,246$104
4Honda Passport$1,264$105
5Nissan Rogue Sport$1,268$106
6Mazda CX-5$1,278$107
7Buick Encore$1,296$108
8Buick Envision$1,298$108
9Kia Seltos$1,316$110
10Subaru Ascent$1,322$110
11Hyundai Venue$1,326$111
12Subaru Impreza$1,344$112
13Ford Maverick$1,348$112
14Honda HR-V$1,350$113
15Chevrolet Colorado$1,352$113
16Acura RDX$1,356$113
17Hyundai Kona$1,362$114
18Subaru Forester$1,370$114
19Ford Edge$1,378$115
20Honda CR-V$1,378$115
21Ford Explorer$1,384$115
22Mazda CX-30$1,384$115
23Volkswagen Atlas$1,388$116
24Chevrolet Trax$1,396$116
25Nissan Murano$1,396$116
26Subaru Outback$1,398$117
27Nissan Frontier$1,402$117
28Volkswagen Tiguan$1,410$118
29Ford Bronco Sport$1,416$118
30Fiat 500X$1,440$120
31Ford Ranger$1,442$120
32GMC Terrain$1,444$120
33Kia Soul$1,446$121
34Mitsubishi Eclipse Cross$1,450$121
35Volkswagen Atlas Cross Sport$1,452$121
36Lexus RX 350$1,456$121
37Acura Integra$1,458$122
38Chevrolet Equinox$1,462$122
39Toyota Corolla Cross$1,466$122
40Cadillac XT4$1,468$122
41Volkswagen Taos$1,470$123
42GMC Canyon$1,476$123
43Toyota Venza$1,480$123
44Mazda CX-50$1,484$124
45Volkswagen Jetta$1,484$124
46Honda Odyssey$1,486$124
47Hyundai Tucson$1,486$124
48Toyota Tacoma$1,486$124
49Ford Escape$1,490$124
50Kia Sorento$1,492$124
51Nissan Rogue$1,494$125
52Subaru Legacy$1,496$125
53Volvo XC40$1,496$125
54Mazda MX-5 Miata$1,502$125
55Infiniti QX50$1,504$125
56Toyota RAV4$1,504$125
57Hyundai Palisade$1,508$126
58Hyundai Santa Cruz$1,508$126
59Nissan Sentra$1,508$126
60Mazda MX-30$1,510$126
61Kia Niro$1,512$126
62Mini Cooper$1,516$126
63Chevrolet Tahoe$1,522$127
64Lexus UX 250h$1,522$127
65Toyota 4Runner$1,522$127
66Jeep Compass$1,524$127
67Toyota Corolla$1,524$127
68Volkswagen Golf$1,530$128
69Toyota Prius$1,532$128
70Mini Cooper Clubman$1,542$129
71Cadillac XT5$1,546$129
72Toyota Camry$1,546$129
73GMC Acadia$1,548$129
74Chevrolet Traverse$1,552$129
75Mazda 3$1,560$130

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Top 75 Cheapest Vehicles to Insure in Alabama

    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 $1,652 per year and ranges from $1,372 to $3,726 per year for the sample driver risk profiles shown in the chart below.

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Ford F150 Insurance Cost in Alabama
    2023 Ford F150 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,726$311
    Safe Driver Age 20$3,264$272
    At-fault Accidents Age 40$2,322$194
    Low Deductibles Age 40$2,150$179
    Safe Driver Age 30$1,740$145
    Safe Driver Age 40$1,652$138
    Safe Driver Age 50$1,502$125
    Safe Driver Age 60$1,476$123
    High Deductibles Age 40$1,394$116
    Discount Rate Age 40$1,372$114

    Nissan Altima insurance rates

    Nissan Altima car insurance rates in Alabama range from $1,440 to $3,932 per year for the driver profiles in the chart below. Nissan Altima insurance costs an average of $1,734 per year or $145 per month in Alabama.

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Nissan Altima Insurance Cost in Alabama
    2023 Nissan Altima Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,932$328
    Safe Driver Age 20$3,446$287
    At-fault Accidents Age 40$2,450$204
    Low Deductibles Age 40$2,232$186
    Safe Driver Age 30$1,822$152
    Safe Driver Age 40$1,734$145
    Safe Driver Age 50$1,580$132
    Safe Driver Age 60$1,550$129
    High Deductibles Age 40$1,476$123
    Discount Rate Age 40$1,440$120

    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 $1,474 to $4,070 per year for the example driver risk profiles, with average cost being $1,780 per year.

    Get Rates in Your AreaWhy is this important?

    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 August 11, 2023
    Chevrolet Silverado Insurance Cost in Alabama
    2023 Chevrolet Silverado Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,070$339
    Safe Driver Age 20$3,560$297
    At-fault Accidents Age 40$2,532$211
    Low Deductibles Age 40$2,280$190
    Safe Driver Age 30$1,864$155
    Safe Driver Age 40$1,780$148
    Safe Driver Age 50$1,622$135
    Safe Driver Age 60$1,596$133
    High Deductibles Age 40$1,524$127
    Discount Rate Age 40$1,474$123

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Alabama as shown in the chart below range from $1,284 to $3,500 per year, with the average cost being $1,546.

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Toyota Camry Insurance Cost in Alabama
    2023 Toyota Camry Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,500$292
    Safe Driver Age 20$3,070$256
    At-fault Accidents Age 40$2,176$181
    Low Deductibles Age 40$2,020$168
    Safe Driver Age 30$1,630$136
    Safe Driver Age 40$1,546$129
    Safe Driver Age 50$1,406$117
    Safe Driver Age 60$1,382$115
    High Deductibles Age 40$1,300$108
    Discount Rate Age 40$1,284$107

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Alabama as shown in the chart below range from $1,366 to $3,752 per year, with the average cost being $1,642.

    Get Rates in Your AreaWhy is this important?

    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 August 11, 2023
    Honda Accord Insurance Cost in Alabama
    2023 Honda Accord Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,752$313
    Safe Driver Age 20$3,282$274
    At-fault Accidents Age 40$2,320$193
    Low Deductibles Age 40$2,154$180
    Safe Driver Age 30$1,734$145
    Safe Driver Age 40$1,642$137
    Safe Driver Age 50$1,498$125
    Safe Driver Age 60$1,470$123
    High Deductibles Age 40$1,382$115
    Discount Rate Age 40$1,366$114

    Hyundai Sonata insurance rates

    Hyundai Sonata car insurance rates in Alabama range from $1,506 to $4,102 per year for the driver profiles in the chart below. Hyundai Sonata insurance costs an average of $1,814 per year or $151 per month in Alabama.

    Get Rates in Your AreaWhy is this important?

    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 August 11, 2023
    Hyundai Sonata Insurance Cost in Alabama
    2023 Hyundai Sonata Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,102$342
    Safe Driver Age 20$3,594$300
    At-fault Accidents Age 40$2,560$213
    Low Deductibles Age 40$2,332$194
    Safe Driver Age 30$1,900$158
    Safe Driver Age 40$1,814$151
    Safe Driver Age 50$1,650$138
    Safe Driver Age 60$1,622$135
    High Deductibles Age 40$1,544$129
    Discount Rate Age 40$1,506$126

    Chevrolet Tahoe insurance rates

    The average cost for Chevrolet Tahoe insurance in Alabama is $1,522 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,264 to $3,448 per year.

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Chevrolet Tahoe Insurance Cost in Alabama
    2023 Chevrolet Tahoe Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,448$287
    Safe Driver Age 20$3,020$252
    At-fault Accidents Age 40$2,142$179
    Low Deductibles Age 40$1,998$167
    Safe Driver Age 30$1,606$134
    Safe Driver Age 40$1,522$127
    Safe Driver Age 50$1,386$116
    Safe Driver Age 60$1,362$114
    High Deductibles Age 40$1,278$107
    Discount Rate Age 40$1,264$105

    Honda Civic insurance rates

    Honda Civic car insurance rates in Alabama range from $1,320 to $3,590 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,590 per year or $133 per month in Alabama.

    Get Rates in Your AreaWhy is this important?

    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 August 11, 2023
    Honda Civic Insurance Cost in Alabama
    2023 Honda Civic Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,590$299
    Safe Driver Age 20$3,144$262
    At-fault Accidents Age 40$2,240$187
    Low Deductibles Age 40$2,050$171
    Safe Driver Age 30$1,670$139
    Safe Driver Age 40$1,590$133
    Safe Driver Age 50$1,448$121
    Safe Driver Age 60$1,422$119
    High Deductibles Age 40$1,352$113
    Discount Rate Age 40$1,320$110

    Toyota RAV4 insurance rates

    The average cost for Toyota RAV4 insurance in Alabama is $1,500 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,252 to $3,420 per year.

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Toyota RAV4 Insurance Cost in Alabama
    2023 Toyota RAV4 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,420$285
    Safe Driver Age 20$2,994$250
    At-fault Accidents Age 40$2,120$177
    Low Deductibles Age 40$1,974$165
    Safe Driver Age 30$1,588$132
    Safe Driver Age 40$1,504$125
    Safe Driver Age 50$1,370$114
    Safe Driver Age 60$1,346$112
    High Deductibles Age 40$1,264$105
    Discount Rate Age 40$1,252$104

    Chevrolet Malibu insurance rates

    The average cost for Chevrolet Malibu insurance in Alabama is $1,582 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,312 to $3,560 per year.

    Get Rates in Your AreaWhy is this important?

    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 August 12, 2023
    Chevrolet Malibu Insurance Cost in Alabama
    2023 Chevrolet Malibu Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,560$297
    Safe Driver Age 20$3,120$260
    At-fault Accidents Age 40$2,232$186
    Low Deductibles Age 40$2,010$168
    Safe Driver Age 30$1,656$138
    Safe Driver Age 40$1,582$132
    Safe Driver Age 50$1,442$120
    Safe Driver Age 60$1,414$118
    High Deductibles Age 40$1,358$113
    Discount Rate Age 40$1,312$109

    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.