Alabama's cheapest car insurance companies

Alabama drivers pay an average of $1,623 for full coverage car insurance and $469 for minimum coverage, but there are ways to find a cheaper policy. Although there are many factors to consider when selecting a car insurance company, finding the cheapest car insurance in Alabama may be one of the most important considerations for many drivers.

With over four million licenced drivers on the road in Alabama, having a car insurance policy is a wise financial decision. If you are in an accident, your car insurance policy may help you pay for the damages you cause or incur, potentially saving you from financial ruin. Finding low-cost auto insurance in Alabama can help you protect your budget as well as your financial health.

Alabama's cheapest car insurance companies

To begin our search for the cheapest car insurance in Alabama, we first obtained current rate information for the largest carriers by market share from Quadrant Information Services. According to our research, the following companies have low average premiums in Alabama:

Geico

Geico's low average premiums could be attributed to the company's extensive list of discounts. Military members, federal employees, good students, safe drivers, and others can all save money. However, there aren't many ways to customise Geico's policies. You can consider a few endorsements, but not as many as some of the other companies on our list.

USAA

USAA only insures active-duty and retired military personnel, as well as their immediate family members. Although the company's average premiums are lower than the state average, there are numerous discounts available to help you save even more, such as savings for parking your vehicle on a military base, purchasing a new vehicle, or storing your vehicle while you are deployed.

USAA consistently receives high customer satisfaction ratings, despite the fact that it is not eligible for official ranking due to eligibility restrictions.

Travelers

If you're looking for both standard and unique discounts, Travelers could be a great company to work with. You can save money by driving a hybrid or electric vehicle, maintaining continuous insurance, or being a safe driver. With the company's IntelliDrive programme, which tracks your driving habits via a smartphone app, you could even earn a personalised discount.

Travelers also offers a variety of optional coverages, such as ridesharing coverage and accident forgiveness.

Farmers

Farmers is not the cheapest company on our list, but its average premiums are still lower than the state average in Alabama. The higher premium could be attributed to the number of optional coverages available. Although optional coverages raise your premium, they also help to broaden your coverage.

Towing and roadside assistance, ridesharing coverage, guaranteed value coverage, customised equipment coverage, and spare parts coverage are all available from Farmers.

Allstate

Allstate may be a good option if you want to purchase your policy online. The company received a score that was higher than the industry average. You can also customise your coverage with endorsements such as sound system coverage and roadside assistance. You could also save money by using the Drivewise telematics programme or any of the company's numerous discounts.