Alabama Car Insurance Cost for 2021

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 $1,272 per year, which is 16.5% less than the U.S. national average rate of $1,523. The average cost per month for Alabama car insurance is approximately $106 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 – $1,214 per year ($101 per month)
  2. Nissan Altima – $1,316 per year ($110 per month)
  3. Chevrolet Silverado 1500 – $1,328 per year ($111 per month)
  4. Toyota Camry – $1,272 per year ($106 per month)
  5. Honda Accord – $1,232 per year ($103 per month)
  6. Hyundai Sonata – $1,488 per year ($124 per month)
  7. Chevrolet Tahoe – $1,276 per year ($106 per month)
  8. Honda Civic – $1,196 per year ($100 per month)
  9. Toyota RAV4 – $1,224 per year ($102 per month)
  10. Chevrolet Malibu – $1,244 per year ($104 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 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Alabama zip codes.
Average Car Insurance Cost in Alabama
Average Car Insurance Cost in Alabama
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,146$179
$500$2,530$211
$250$2,936$245
30$1,000$1,126$94
$500$1,342$112
$250$1,566$131
40$1,000$1,074$90
$500$1,272$106
$250$1,478$123
50$1,000$984$82
$500$1,160$97
$250$1,346$112
60$1,000$964$80
$500$1,138$95
$250$1,320$110

As illustrated in the chart above, average auto insurance cost for the sample driver profiles ranges from $964 per year for a 60-year-old driver with a policy with high deductibles to $2,936 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the same average rates above range from $80 to $245 per month.

Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver. Average rates range from $3,206 per year for a 19-year-old female driver up to $4,566 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 5.9% cheaper than Mississippi, 1.4% more expensive than Tennessee, 18.8% cheaper than Georgia, and 37.8% cheaper than Florida.

Compared to other states in the Southeast, Alabama auto insurance rates are 43.3% cheaper than Louisiana, 9.5% cheaper expensive than South Carolina, 23.3% more expensive than North Carolina, and 30.6% 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 #4 out of the 12 Southeast region states, and only the states of Virginia, North Carolina, and Tennessee have cheaper overall car insurance rates.

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
Virginia$974-$298
North Carolina$1,032-$240
Tennessee$1,254-$18
Alabama$1,272--
West Virginia$1,346$74
Mississippi$1,352$80
South Carolina$1,406$134
Arkansas$1,454$182
Georgia$1,566$294
Kentucky$1,716$444
Florida$2,046$774
Louisiana$2,244$972

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:

  • 24.1% cheaper than California ($404 per year)
  • 18% more expensive than Illinois ($194 per year)
  • 13.6% cheaper than Texas ($200 per year)
  • 25.1% cheaper than Nevada ($426 per year)
  • 21.5% cheaper than Colorado ($348 per year)
  • 24.4% cheaper than New York ($410 per year)

Which vehicles are cheapest to insure in Alabama?

When the average cost of car insurance is compared for all models, the 2021 model year vehicles with the cheapest car insurance quotes in Alabama are the Subaru Forester at $946 per year and the Honda CR-V at $956 per year.

Other models that rank very well for auto insurance cost in Alabama include the Mazda CX-3 and CX-5, Kia Sportage, Ford Edge, Hyundai Venue, and Volkswagen Atlas.

For pickup trucks, the cheapest midsize model to insure is the Toyota Tacoma at an average cost of $1,076 per year, while the cheapest full-size model is the Ford F150 at $1,214 per year.

For luxury vehicles, some of the cheapest car insurance rates can be found on the Acura ILX at $1,188 per year, the Volvo S90 at $1,390 per year, the Acura RDX at $1,098 per year, and the Cadillac XT4 at $1,134 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
1Subaru Forester$946$79
2Honda CR-V$956$80
3Ram Promaster City$996$83
4Mazda CX-3$1,002$84
5Kia Sportage$1,010$84
6Toyota C-HR$1,010$84
7Ford Edge$1,012$84
8Volkswagen Golf$1,016$85
9Mazda CX-5$1,026$86
10Subaru Crosstrek$1,038$87
11Chevrolet Spark$1,048$87
12Volvo XC40$1,050$88
13Hyundai Venue$1,058$88
14Volkswagen Atlas$1,066$89
15Subaru Impreza$1,068$89
16Hyundai Kona$1,070$89
17Kia Soul$1,072$89
18Kia Telluride$1,074$90
19Toyota Tacoma$1,076$90
20Chevrolet Blazer$1,078$90
21Jeep Compass$1,080$90
22Kia Sedona$1,080$90
23Subaru Outback$1,080$90
24Chevrolet Colorado$1,082$90
25Kia Rio5$1,082$90
26Mazda CX-30$1,082$90
27Honda Passport$1,084$90
28Nissan Kicks$1,084$90
29Mitsubishi Eclipse Cross$1,086$91
30Subaru Ascent$1,086$91
31Ford Escape$1,088$91
32Hyundai Tucson$1,090$91
33Nissan Frontier$1,094$91
34Acura RDX$1,098$92
35Volkswagen Tiguan$1,098$92
36Honda Pilot$1,100$92
37Toyota Corolla$1,106$92
38Ford Ecosport$1,108$92
39Buick Envision$1,112$93
40Kia Seltos$1,116$93
41Nissan Rogue Sport$1,124$94
42Chevrolet Trax$1,130$94
43Chevrolet Trailblazer$1,132$94
44Cadillac XT4$1,134$95
45Buick Encore$1,138$95
46Chevrolet Express$1,140$95
47Jeep Renegade$1,146$96
48Nissan Rogue$1,146$96
49Chevrolet Equinox$1,150$96
50Nissan Murano$1,150$96
51Nissan NV$1,150$96
52Ford Transit Connect$1,158$97
53Chrysler Pacifica$1,162$97
54Fiat 500X$1,164$97
55Mazda MX-5 Miata$1,166$97
56GMC Savana$1,170$98
57Hyundai Palisade$1,178$98
58Ford Ranger$1,180$98
59GMC Terrain$1,182$99
60Mazda 6$1,182$99
61Honda Insight$1,186$99
62Jeep Gladiator$1,186$99
63Acura ILX$1,188$99
64Subaru Legacy$1,192$99
65Honda Civic$1,196$100
66Honda HR-V$1,198$100
67Volvo V60$1,202$100
68Acura MDX$1,206$101
69Cadillac XT5$1,206$101
70Kia Rio$1,212$101
71Toyota 4Runner$1,212$101
72Ford F150$1,214$101
73Mazda 3$1,216$101
74Ram Promaster$1,218$102
75Kia Niro$1,220$102

    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.
    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 $1,214 per year and ranges from $1,010 to $2,754 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 2021 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.
    Ford F150 Insurance Cost in Alabama
    Ford F150 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,754$230
    Safe Driver Age 20$2,414$201
    At-fault Accidents Age 40$1,716$143
    Low Deductibles Age 40$1,568$131
    Safe Driver Age 30$1,276$106
    Safe Driver Age 40$1,214$101
    Safe Driver Age 50$1,106$92
    Safe Driver Age 60$1,086$91
    High Deductibles Age 40$1,032$86
    Discount Rate Age 40$1,010$84

    Nissan Altima insurance rates

    Nissan Altima car insurance rates in Alabama range from $1,094 to $2,992 per year for the driver profiles in the chart below. Nissan Altima insurance costs an average of $1,316 per year or $110 per month in Alabama.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Nissan Altima Insurance Cost in Alabama
    Nissan Altima Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,992$249
    Safe Driver Age 20$2,618$218
    At-fault Accidents Age 40$1,858$155
    Low Deductibles Age 40$1,712$143
    Safe Driver Age 30$1,388$116
    Safe Driver Age 40$1,316$110
    Safe Driver Age 50$1,200$100
    Safe Driver Age 60$1,178$98
    High Deductibles Age 40$1,114$93
    Discount Rate Age 40$1,094$91

    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 $1,104 to $3,018 per year for the example driver risk profiles, with average cost being $1,328 per year.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Chevrolet Silverado Insurance Cost in Alabama
    Chevrolet Silverado Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,018$252
    Safe Driver Age 20$2,642$220
    At-fault Accidents Age 40$1,882$157
    Low Deductibles Age 40$1,704$142
    Safe Driver Age 30$1,392$116
    Safe Driver Age 40$1,328$111
    Safe Driver Age 50$1,208$101
    Safe Driver Age 60$1,186$99
    High Deductibles Age 40$1,134$95
    Discount Rate Age 40$1,104$92

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Alabama as shown in the chart below range from $1,056 to $2,888 per year, with the average cost being $1,272.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Toyota Camry Insurance Cost in Alabama
    Toyota Camry Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,888$241
    Safe Driver Age 20$2,530$211
    At-fault Accidents Age 40$1,794$150
    Low Deductibles Age 40$1,666$139
    Safe Driver Age 30$1,344$112
    Safe Driver Age 40$1,272$106
    Safe Driver Age 50$1,160$97
    Safe Driver Age 60$1,138$95
    High Deductibles Age 40$1,072$89
    Discount Rate Age 40$1,056$88

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Alabama as shown in the chart below range from $1,022 to $2,786 per year, with the average cost being $1,232.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Honda Accord Insurance Cost in Alabama
    Honda Accord Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,786$232
    Safe Driver Age 20$2,440$203
    At-fault Accidents Age 40$1,730$144
    Low Deductibles Age 40$1,606$134
    Safe Driver Age 30$1,296$108
    Safe Driver Age 40$1,232$103
    Safe Driver Age 50$1,120$93
    Safe Driver Age 60$1,100$92
    High Deductibles Age 40$1,036$86
    Discount Rate Age 40$1,022$85

    Hyundai Sonata insurance rates

    Hyundai Sonata car insurance rates in Alabama range from $1,232 to $3,386 per year for the driver profiles in the chart below. Hyundai Sonata insurance costs an average of $1,488 per year or $124 per month in Alabama.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Hyundai Sonata Insurance Cost in Alabama
    Hyundai Sonata Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,386$282
    Safe Driver Age 20$2,966$247
    At-fault Accidents Age 40$2,112$176
    Low Deductibles Age 40$1,902$159
    Safe Driver Age 30$1,556$130
    Safe Driver Age 40$1,488$124
    Safe Driver Age 50$1,356$113
    Safe Driver Age 60$1,332$111
    High Deductibles Age 40$1,274$106
    Discount Rate Age 40$1,232$103

    Chevrolet Tahoe insurance rates

    The average cost for Chevrolet Tahoe insurance in Alabama is $1,276 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,062 to $2,900 per year.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Chevrolet Tahoe Insurance Cost in Alabama
    Chevrolet Tahoe Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,900$242
    Safe Driver Age 20$2,538$212
    At-fault Accidents Age 40$1,802$150
    Low Deductibles Age 40$1,656$138
    Safe Driver Age 30$1,344$112
    Safe Driver Age 40$1,276$106
    Safe Driver Age 50$1,164$97
    Safe Driver Age 60$1,142$95
    High Deductibles Age 40$1,084$90
    Discount Rate Age 40$1,062$89

    Honda Civic insurance rates

    Honda Civic car insurance rates in Alabama range from $994 to $2,708 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,196 per year or $100 per month in Alabama.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Honda Civic Insurance Cost in Alabama
    Honda Civic Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,708$226
    Safe Driver Age 20$2,370$198
    At-fault Accidents Age 40$1,686$141
    Low Deductibles Age 40$1,552$129
    Safe Driver Age 30$1,256$105
    Safe Driver Age 40$1,196$100
    Safe Driver Age 50$1,086$91
    Safe Driver Age 60$1,068$89
    High Deductibles Age 40$1,012$84
    Discount Rate Age 40$994$83

    Toyota RAV4 insurance rates

    The average cost for Toyota RAV4 insurance in Alabama is $1,224 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,018 to $2,780 per year.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Toyota RAV4 Insurance Cost in Alabama
    Toyota RAV4 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,780$232
    Safe Driver Age 20$2,434$203
    At-fault Accidents Age 40$1,730$144
    Low Deductibles Age 40$1,580$132
    Safe Driver Age 30$1,290$108
    Safe Driver Age 40$1,224$102
    Safe Driver Age 50$1,118$93
    Safe Driver Age 60$1,096$91
    High Deductibles Age 40$1,044$87
    Discount Rate Age 40$1,018$85

    Chevrolet Malibu insurance rates

    The average cost for Chevrolet Malibu insurance in Alabama is $1,244 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,036 to $2,828 per year.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Chevrolet Malibu Insurance Cost in Alabama
    Chevrolet Malibu Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,828$236
    Safe Driver Age 20$2,476$206
    At-fault Accidents Age 40$1,760$147
    Low Deductibles Age 40$1,608$134
    Safe Driver Age 30$1,310$109
    Safe Driver Age 40$1,244$104
    Safe Driver Age 50$1,134$95
    Safe Driver Age 60$1,114$93
    High Deductibles Age 40$1,058$88
    Discount Rate Age 40$1,036$86

    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.