In the event of a collision, having only liability coverage in your car insurance would not cover your injuries or damage to personal property, since you are the driver responsible for the accident. Finally, it's worth noting that car insurance premiums in Alabama are low, compared to the cost of coverage in neighboring states such as Georgia and Louisiana. Car insurance prices vary by state, but car insurance rates in Alabama are considered roughly average. If you are in an accident while driving without insurance in Alabama, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault.
There are several factors that affect how much you'll pay for car insurance in Alabama, including your driving record, age, location, the amount of coverage you buy and the insurance company you buy it from. The amount of coverage you purchase affects the cost of car insurance in Alabama, especially with regard to your liability limits and whether it includes comprehensive and collision insurance. The most affordable car insurance in Alabama is minimum liability coverage, which meets the state's minimum car insurance requirements. Teen driver insurance in Alabama costs considerably more than the rate shown for a 20-year-old driver.
Compared to neighboring states, average car insurance rates in Alabama are 13.8% cheaper than in Mississippi, 2.8% more expensive than in Tennessee, 15.8% cheaper than in Georgia, and 44.3% cheaper than in Florida. In addition to USAA, the cheapest insurer in Alabama after an at-fault accident is State Farm, which only increased rates by 22% for a driver who caused a car accident. These prices are only estimates based on fares for an average Alabama driver and should not be used to compare insurance prices. The price of the same coverage may differ between companies, which is true for all car insurance companies.
Getting a full coverage policy in Alabama gives you access to higher liability limits, as well as comprehensive and collision insurance coverage that protects you against most traffic accidents and off-highway incidents. The table below shows where Alabama ranks compared to the rest of the southeastern states in terms of the average cost of auto insurance. Alabama drivers must carry proof of insurance, usually an insurance card, which must remain in the car at all times. MoneyGeek evaluated the top providers in Alabama to find the best car insurance based on affordability.
Leave a Comment