Buying less coverage means you'll pay less in monthly premiums, but it also means you'll have less protection in the event of an accident. 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. The table below lists the other available car insurance companies that offer car insurance in Alabama, along with their average monthly cost and their average annual cost. Since drivers are legally required to have insurance, learning about car insurance rates in Alabama could be a useful budgeting tool for drivers in the State of Cotton.
Drivers with a good driving record will generally pay less for car insurance than someone who had a DUI, speeding tickets, or an accident. 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. 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. 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.
The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. Visit NerdWallet's guide to car insurance requirements by state for more details on how your car policy's mandatory and optional coverages work. Car insurance costs will vary between locations and insurance companies, depending on the county of Alabama. For example, the amount of coverage you purchase affects how much you pay for car insurance in Alabama.
The cheapest insurance companies in Alabama are Geico, Country Financial, and USAA, but insurers calculate premiums differently, so it's a good idea to get quotes from more companies to find the best deal. 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. Although it's not usually a big factor, your education can affect your monthly rate for car insurance.