Cheap Car Insurance Quotes Alabama

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Cheap Car Insurance Quotes Alabama

Cheap Car Insurance Quotes Alabama: Cheap Car Insurance Quotes Alabama Progressive

Auto insurance is an important purchase, but finding cheap car insurance in Alabama isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers. The cheapest car insurance company in Alabama is Travelers at $1,719 per year on average, or $143 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Alabama. Meanwhile, the average cost of full coverage car insurance in Alabama is $1,957 per year or about $163 per month.              

Minimum coverage in Alabama is $450 per year on average, but we found you can likely get a cheaper policy. For example, Auto-Owners offers the cheapest rates in Alabama at $343 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record. Are you on the hunt for affordable car insurance in Alabama? Whether you’re a seasoned driver or a new one, finding cheap car insurance quotes can save you a bundle while ensuring you have the coverage you need. In this comprehensive guide, we’ll walk you through the steps to secure budget-friendly car insurance in the Heart of Dixie.

Understand Alabama’s Insurance Requirements: Cheap Car Insurance Quotes Alabama Progressive

Before diving into your search for cheap car insurance quotes, it’s crucial to understand Alabama’s minimum insurance requirements. The state mandates liability coverage with minimum limits of 25/50/25, meaning you must have at least:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident

While these are the minimum requirements, it’s wise to consider higher coverage limits for added protection.

How we chose the cheapest companies in Alabama

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Alabama and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Alabama. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

Minimum car insurance requirements in Alabama

Alabama drivers are required to purchase liability insurance, which kicks in if you cause a crash to pay for others’ injury treatment and property damage. The minimum limits you must select are:

  • $25,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per crash.
  • $25,000 property damage liability coverage per crash.

It’s typically smart to get more than the bare minimum, however, as these limits may not be enough to fully cover costs if the incident is serious. Visit NerdWallet’s guide to car insurance requirements by state for more detail on how the required and optional coverages of your auto policy work.

Alternative car insurance in Alabama

If you’ve been denied car insurance on the voluntary market because of violations, poor credit or other factors, you can apply for coverage through the Alabama Automobile Insurance Plan. Drivers searching for cheap car insurance in Alabama can also try NerdWallet’s car insurance comparison tool to easily review estimates.

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As your circumstances change, so too should your car insurance coverage. Review your policy annually to ensure it still meets your needs and budget. If you’ve paid off your vehicle or your driving habits have changed, consider adjusting your coverage limits or deductibles to secure cheap car insurance quotes in Alabama without sacrificing protection. Finding cheap car insurance quotes in Alabama is achievable with the right knowledge and strategies. By understanding the state’s insurance requirements, shopping around for quotes, considering usage-based insurance, maintaining a clean driving record, bundling your policies, exploring available discounts, and reviewing your coverage regularly, you can secure affordable car insurance while safeguarding yourself on the road. Take the time to compare quotes and leverage available discounts to score the best deal on your car insurance policy.