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 $1,586 per year, which is 5.9% 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.

  1. Ford F-150 – $1,614 per year ($135 per month)
  2. Nissan Altima – $1,694 per year ($141 per month)
  3. Chevrolet Silverado 1500 – $1,736 per year ($145 per month)
  4. Toyota Camry – $1,508 per year ($126 per month)
  5. Honda Accord – $1,602 per year ($134 per month)
  6. Hyundai Sonata – $1,768 per year ($147 per month)
  7. Chevrolet Tahoe – $1,488 per year ($124 per month)
  8. Honda Civic – $1,552 per year ($129 per month)
  9. Toyota RAV4 – $1,470 per year ($123 per month)
  10. 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.

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 December 30, 2022
Average Car Insurance Cost in Alabama
Average Car Insurance Cost in Alabama
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,674$223
$500$3,158$263
$250$3,670$306
30$1,000$1,400$117
$500$1,672$139
$250$1,954$163
40$1,000$1,338$112
$500$1,586$132
$250$1,844$154
50$1,000$1,222$102
$500$1,444$120
$250$1,678$140
60$1,000$1,200$100
$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 7.9% cheaper than Mississippi, 5.5% cheaper than Tennessee, 12% cheaper than Georgia, and 27.8% cheaper than Florida.

Compared to other states in the Southeast, Alabama auto insurance rates are 24.5% cheaper than Louisiana, 7.2% more expensive than South Carolina, 44.2% more expensive than North Carolina, and 35.1% 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$1,100-$486
Virginia$1,174-$412
South Carolina$1,480-$106
West Virginia$1,572-$14
Alabama$1,586--
Tennessee$1,678$92
Mississippi$1,722$136
Georgia$1,802$216
Arkansas$1,846$260
Kentucky$1,888$302
Louisiana$2,100$514
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:

  • 25.7% cheaper than California ($548 per year)
  • 2.6% more expensive than Illinois ($40 per year)
  • 3.2% cheaper than Texas ($52 per year)
  • 24.8% cheaper than Nevada ($524 per year)
  • 16.2% cheaper than Colorado ($306 per year)
  • 22.3% 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
1Chevrolet Trailblazer$1,202$100
2Subaru Crosstrek$1,212$101
3Nissan Kicks$1,216$101
4Honda Passport$1,232$103
5Nissan Rogue Sport$1,240$103
6Mazda CX-5$1,248$104
7Buick Encore$1,266$106
8Buick Envision$1,270$106
9Kia Seltos$1,286$107
10Subaru Ascent$1,290$108
11Hyundai Venue$1,294$108
12Subaru Impreza$1,314$110
13Ford Maverick$1,316$110
14Honda HR-V$1,318$110
15Chevrolet Colorado$1,322$110
16Acura RDX$1,324$110
17Hyundai Kona$1,332$111
18Subaru Forester$1,338$112
19Ford Edge$1,346$112
20Honda CR-V$1,346$112
21Mazda CX-30$1,350$113
22Ford Explorer$1,354$113
23Volkswagen Atlas$1,356$113
24Chevrolet Trax$1,364$114
25Nissan Murano$1,364$114
26Subaru Outback$1,366$114
27Nissan Frontier$1,370$114
28Volkswagen Tiguan$1,378$115
29Ford Bronco Sport$1,384$115
30Fiat 500X$1,406$117
31Ford Ranger$1,408$117
32GMC Terrain$1,410$118
33Kia Soul$1,412$118
34Mitsubishi Eclipse Cross$1,416$118
35Volkswagen Atlas Cross Sport$1,418$118
36Lexus RX 350$1,420$118
37Acura Integra$1,426$119
38Chevrolet Equinox$1,426$119
39Cadillac XT4$1,432$119
40Toyota Corolla Cross$1,434$120
41Volkswagen Taos$1,436$120
42GMC Canyon$1,440$120
43Toyota Venza$1,446$121
44Mazda CX-50$1,448$121
45Toyota Tacoma$1,450$121
46Volkswagen Jetta$1,450$121
47Honda Odyssey$1,452$121
48Hyundai Tucson$1,452$121
49Ford Escape$1,454$121
50Kia Sorento$1,456$121
51Nissan Rogue$1,458$122
52Volvo XC40$1,460$122
53Subaru Legacy$1,462$122
54Infiniti QX50$1,468$122
55Mazda MX-5 Miata$1,468$122
56Toyota RAV4$1,470$123
57Mazda MX-30$1,472$123
58Hyundai Palisade$1,474$123
59Hyundai Santa Cruz$1,474$123
60Kia Niro$1,474$123
61Nissan Sentra$1,474$123
62Mini Cooper$1,482$124
63Lexus UX 250h$1,484$124
64Chevrolet Tahoe$1,488$124
65Jeep Compass$1,488$124
66Toyota 4Runner$1,488$124
67Toyota Corolla$1,488$124
68Volkswagen Golf$1,494$125
69Toyota Prius$1,496$125
70Mini Cooper Clubman$1,506$126
71Cadillac XT5$1,508$126
72Toyota Camry$1,508$126
73GMC Acadia$1,512$126
74Chevrolet Traverse$1,514$126
75Mazda 3$1,522$127

    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 December 30, 2022
    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 $1,614 per year and ranges from $1,340 to $3,638 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 December 30, 2022
    Ford F150 Insurance Cost in Alabama
    Ford F150 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,638$303
    Safe Driver Age 20$3,188$266
    At-fault Accidents Age 40$2,266$189
    Low Deductibles Age 40$2,100$175
    Safe Driver Age 30$1,698$142
    Safe Driver Age 40$1,614$135
    Safe Driver Age 50$1,466$122
    Safe Driver Age 60$1,440$120
    High Deductibles Age 40$1,362$114
    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.

    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 December 30, 2022
    Nissan Altima Insurance Cost in Alabama
    Nissan Altima Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,840$320
    Safe Driver Age 20$3,364$280
    At-fault Accidents Age 40$2,394$200
    Low Deductibles Age 40$2,180$182
    Safe Driver Age 30$1,776$148
    Safe Driver Age 40$1,694$141
    Safe Driver Age 50$1,544$129
    Safe Driver Age 60$1,516$126
    High Deductibles Age 40$1,442$120
    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.

    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 December 30, 2022
    Chevrolet Silverado Insurance Cost in Alabama
    Chevrolet Silverado Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,970$331
    Safe Driver Age 20$3,474$290
    At-fault Accidents Age 40$2,468$206
    Low Deductibles Age 40$2,224$185
    Safe Driver Age 30$1,818$152
    Safe Driver Age 40$1,736$145
    Safe Driver Age 50$1,584$132
    Safe Driver Age 60$1,556$130
    High Deductibles Age 40$1,486$124
    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.

    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 December 30, 2022
    Toyota Camry Insurance Cost in Alabama
    Toyota Camry Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,420$285
    Safe Driver Age 20$2,996$250
    At-fault Accidents Age 40$2,124$177
    Low Deductibles Age 40$1,972$164
    Safe Driver Age 30$1,592$133
    Safe Driver Age 40$1,508$126
    Safe Driver Age 50$1,376$115
    Safe Driver Age 60$1,350$113
    High Deductibles Age 40$1,270$106
    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.

    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 December 30, 2022
    Honda Accord Insurance Cost in Alabama
    Honda Accord Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,664$305
    Safe Driver Age 20$3,206$267
    At-fault Accidents Age 40$2,266$189
    Low Deductibles Age 40$2,104$175
    Safe Driver Age 30$1,692$141
    Safe Driver Age 40$1,602$134
    Safe Driver Age 50$1,464$122
    Safe Driver Age 60$1,438$120
    High Deductibles Age 40$1,346$112
    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.

    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 December 30, 2022
    Hyundai Sonata Insurance Cost in Alabama
    Hyundai Sonata Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,002$334
    Safe Driver Age 20$3,506$292
    At-fault Accidents Age 40$2,500$208
    Low Deductibles Age 40$2,274$190
    Safe Driver Age 30$1,860$155
    Safe Driver Age 40$1,768$147
    Safe Driver Age 50$1,612$134
    Safe Driver Age 60$1,582$132
    High Deductibles Age 40$1,506$126
    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.

    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 December 30, 2022
    Chevrolet Tahoe Insurance Cost in Alabama
    Chevrolet Tahoe Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,368$281
    Safe Driver Age 20$2,950$246
    At-fault Accidents Age 40$2,090$174
    Low Deductibles Age 40$1,952$163
    Safe Driver Age 30$1,570$131
    Safe Driver Age 40$1,488$124
    Safe Driver Age 50$1,354$113
    Safe Driver Age 60$1,330$111
    High Deductibles Age 40$1,248$104
    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.

    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 December 29, 2022
    Honda Civic Insurance Cost in Alabama
    Honda Civic Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,504$292
    Safe Driver Age 20$3,072$256
    At-fault Accidents Age 40$2,190$183
    Low Deductibles Age 40$2,002$167
    Safe Driver Age 30$1,632$136
    Safe Driver Age 40$1,552$129
    Safe Driver Age 50$1,414$118
    Safe Driver Age 60$1,386$116
    High Deductibles Age 40$1,320$110
    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.

    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 December 30, 2022
    Toyota RAV4 Insurance Cost in Alabama
    Toyota RAV4 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,340$278
    Safe Driver Age 20$2,926$244
    At-fault Accidents Age 40$2,070$173
    Low Deductibles Age 40$1,926$161
    Safe Driver Age 30$1,554$130
    Safe Driver Age 40$1,470$123
    Safe Driver Age 50$1,340$112
    Safe Driver Age 60$1,316$110
    High Deductibles Age 40$1,236$103
    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.

    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 December 30, 2022
    Chevrolet Malibu Insurance Cost in Alabama
    Chevrolet Malibu Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,476$290
    Safe Driver Age 20$3,046$254
    At-fault Accidents Age 40$2,182$182
    Low Deductibles Age 40$1,964$164
    Safe Driver Age 30$1,614$135
    Safe Driver Age 40$1,544$129
    Safe Driver Age 50$1,406$117
    Safe Driver Age 60$1,380$115
    High Deductibles Age 40$1,326$111
    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.