Alabama Car Insurance Cost for 2022

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 $1,240 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.

  1. Ford F-150 – $1,200 per year ($100 per month)
  2. Nissan Altima – $1,388 per year ($116 per month)
  3. Chevrolet Silverado 1500 – $1,334 per year ($111 per month)
  4. Toyota Camry – $1,220 per year ($102 per month)
  5. Honda Accord – $1,294 per year ($108 per month)
  6. Hyundai Sonata – $1,416 per year ($118 per month)
  7. Chevrolet Tahoe – $1,248 per year ($104 per month)
  8. Honda Civic – $1,230 per year ($103 per month)
  9. Toyota RAV4 – $1,174 per year ($98 per month)
  10. 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.

Get Rates in Your AreaWhy is this important?

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
Average Car Insurance Cost in Alabama
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,090$174
$500$2,460$205
$250$2,852$238
30$1,000$1,098$92
$500$1,306$109
$250$1,524$127
40$1,000$1,048$87
$500$1,240$103
$250$1,440$120
50$1,000$958$80
$500$1,130$94
$250$1,308$109
60$1,000$942$79
$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.

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$966-$274
Virginia$982-$258
Tennessee$1,206-$34
Alabama$1,240--
West Virginia$1,370$130
South Carolina$1,404$164
Mississippi$1,438$198
Georgia$1,472$232
Arkansas$1,630$390
Kentucky$1,772$532
Louisiana$2,206$966
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
1Mazda CX-5$946$79
2Nissan Kicks$970$81
3Chevrolet Trailblazer$974$81
4Honda Passport$998$83
5Subaru Crosstrek$998$83
6Chevrolet Colorado$1,024$85
7Buick Encore$1,026$86
8Toyota C-HR$1,028$86
9Nissan Rogue Sport$1,036$86
10Hyundai Venue$1,054$88
11Buick Envision$1,056$88
12Kia Seltos$1,060$88
13Acura RDX$1,064$89
14Ford Maverick$1,064$89
15Subaru Ascent$1,066$89
16Toyota Corolla Cross$1,066$89
17Hyundai Kona$1,076$90
18Mazda MX-5 Miata$1,076$90
19Subaru Forester$1,076$90
20Subaru Impreza$1,076$90
21Volkswagen Tiguan$1,078$90
22Chevrolet Spark$1,080$90
23Honda CR-V$1,088$91
24Cadillac XT4$1,092$91
25Mazda CX-30$1,100$92
26Ford Ranger$1,102$92
27Honda HR-V$1,114$93
28Ford Edge$1,120$93
29Ford Ecosport$1,126$94
30Chevrolet Trax$1,138$95
31Subaru Outback$1,140$95
32Acura ILX$1,144$95
33GMC Terrain$1,144$95
34Mitsubishi Eclipse Cross$1,148$96
35Hyundai Tucson$1,154$96
36Nissan Murano$1,154$96
37Toyota Tacoma$1,154$96
38Chevrolet Bolt$1,158$97
39Honda Odyssey$1,158$97
40Chevrolet Equinox$1,160$97
41Toyota Venza$1,160$97
42Volkswagen Taos$1,164$97
43Ford Explorer$1,166$97
44Fiat 500X$1,168$97
45Kia Soul$1,174$98
46Toyota RAV4$1,174$98
47Kia Sorento$1,178$98
48Nissan Frontier$1,184$99
49GMC Canyon$1,188$99
50Hyundai Palisade$1,192$99
51Hyundai Santa Cruz$1,192$99
52Volkswagen Golf$1,194$100
53Volvo XC40$1,196$100
54Mazda MX-30$1,198$100
55Ford F150$1,200$100
56Volkswagen Atlas$1,200$100
57Jeep Compass$1,202$100
58Subaru Legacy$1,204$100
59Honda Insight$1,206$101
60Kia Niro$1,206$101
61Volkswagen Jetta$1,206$101
62Nissan Sentra$1,210$101
63Honda Ridgeline$1,212$101
64Toyota 4Runner$1,212$101
65Nissan Rogue$1,214$101
66Ford Escape$1,220$102
67Jeep Gladiator$1,220$102
68Kia K5$1,220$102
69Toyota Camry$1,220$102
70Toyota Corolla$1,220$102
71Cadillac XT5$1,222$102
72Mercedes-Benz A220$1,222$102
73Kia Rio$1,224$102
74Volkswagen Passat$1,226$102
75Mazda 3$1,228$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.Data last updated on March 24, 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 $1,200 per year and ranges from $996 to $2,710 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 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
    Ford F150 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,710$226
    Safe Driver Age 20$2,374$198
    At-fault Accidents Age 40$1,694$141
    Low Deductibles Age 40$1,548$129
    Safe Driver Age 30$1,260$105
    Safe Driver Age 40$1,200$100
    Safe Driver Age 50$1,094$91
    Safe Driver Age 60$1,072$89
    High Deductibles Age 40$1,020$85
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Nissan Altima Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,152$263
    Safe Driver Age 20$2,762$230
    At-fault Accidents Age 40$1,966$164
    Low Deductibles Age 40$1,790$149
    Safe Driver Age 30$1,458$122
    Safe Driver Age 40$1,388$116
    Safe Driver Age 50$1,264$105
    Safe Driver Age 60$1,242$104
    High Deductibles Age 40$1,182$99
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Chevrolet Silverado Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,054$255
    Safe Driver Age 20$2,674$223
    At-fault Accidents Age 40$1,896$158
    Low Deductibles Age 40$1,724$144
    Safe Driver Age 30$1,400$117
    Safe Driver Age 40$1,334$111
    Safe Driver Age 50$1,218$102
    Safe Driver Age 60$1,196$100
    High Deductibles Age 40$1,134$95
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Toyota Camry Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,762$230
    Safe Driver Age 20$2,422$202
    At-fault Accidents Age 40$1,716$143
    Low Deductibles Age 40$1,596$133
    Safe Driver Age 30$1,288$107
    Safe Driver Age 40$1,220$102
    Safe Driver Age 50$1,110$93
    Safe Driver Age 60$1,090$91
    High Deductibles Age 40$1,026$86
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Honda Accord Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,958$247
    Safe Driver Age 20$2,590$216
    At-fault Accidents Age 40$1,832$153
    Low Deductibles Age 40$1,692$141
    Safe Driver Age 30$1,364$114
    Safe Driver Age 40$1,294$108
    Safe Driver Age 50$1,180$98
    Safe Driver Age 60$1,158$97
    High Deductibles Age 40$1,090$91
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Hyundai Sonata Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,208$267
    Safe Driver Age 20$2,810$234
    At-fault Accidents Age 40$2,000$167
    Low Deductibles Age 40$1,816$151
    Safe Driver Age 30$1,482$124
    Safe Driver Age 40$1,416$118
    Safe Driver Age 50$1,288$107
    Safe Driver Age 60$1,264$105
    High Deductibles Age 40$1,206$101
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Chevrolet Tahoe Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,830$236
    Safe Driver Age 20$2,480$207
    At-fault Accidents Age 40$1,752$146
    Low Deductibles Age 40$1,640$137
    Safe Driver Age 30$1,316$110
    Safe Driver Age 40$1,248$104
    Safe Driver Age 50$1,134$95
    Safe Driver Age 60$1,114$93
    High Deductibles Age 40$1,044$87
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Honda Civic Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,772$231
    Safe Driver Age 20$2,428$202
    At-fault Accidents Age 40$1,732$144
    Low Deductibles Age 40$1,580$132
    Safe Driver Age 30$1,290$108
    Safe Driver Age 40$1,230$103
    Safe Driver Age 50$1,118$93
    Safe Driver Age 60$1,096$91
    High Deductibles Age 40$1,046$87
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Toyota RAV4 Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,662$222
    Safe Driver Age 20$2,332$194
    At-fault Accidents Age 40$1,650$138
    Low Deductibles Age 40$1,534$128
    Safe Driver Age 30$1,236$103
    Safe Driver Age 40$1,174$98
    Safe Driver Age 50$1,068$89
    Safe Driver Age 60$1,050$88
    High Deductibles Age 40$988$82
    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.

    Get Rates in Your AreaWhy is this important?

    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
    Chevrolet Malibu Insurance Cost in Alabama
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,906$242
    Safe Driver Age 20$2,546$212
    At-fault Accidents Age 40$1,822$152
    Low Deductibles Age 40$1,644$137
    Safe Driver Age 30$1,352$113
    Safe Driver Age 40$1,288$107
    Safe Driver Age 50$1,172$98
    Safe Driver Age 60$1,150$96
    High Deductibles Age 40$1,104$92
    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.