- Cheapest car insurance for high-risk drivers in Alabama
- Average rates for high-risk drivers in Alabama by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Alabama
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Alabama is Nationwide, followed by Travelers and Allstate.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,665 | $139 |
| Travelers | $1,928 | $161 |
| Allstate | $2,030 | $169 |
| Geico | $2,200 | $183 |
| State Farm | $2,454 | $205 |
| Progressive | $2,739 | $228 |
| Auto-Owners | $2,817 | $235 |
| Farmers | $3,021 | $252 |
| USAA | $1,667 | $139 |
Average rates for high-risk drivers in Alabama by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Nationwide | $1,606 |
| USAA | $1,708 |
| Travelers | $1,886 |
| Geico | $2,025 |
| State Farm | $2,065 |
| Auto-Owners | $2,111 |
| Allstate | $2,487 |
| Farmers | $3,044 |
| Progressive | $3,319 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Alabama for a driver with a DUI is State Farm with an average annual of $1,849 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,849 | $154 |
| Travelers | $1,965 | $164 |
| Nationwide | $2,011 | $168 |
| Allstate | $2,134 | $178 |
| Progressive | $2,416 | $201 |
| Geico | $2,483 | $207 |
| Farmers | $2,924 | $244 |
| Auto-Owners | $3,192 | $266 |
| USAA | $2,345 | $195 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Alabama, the cheapest car insurance with multiple tickets is from Nationwide. It offers full coverage insurance at $1,495 per year or $125 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,495 | $125 |
| Allstate | $1,763 | $147 |
| Travelers | $1,813 | $151 |
| State Farm | $1,849 | $154 |
| Auto-Owners | $1,971 | $164 |
| Geico | $2,143 | $179 |
| Progressive | $2,563 | $214 |
| Farmers | $2,805 | $234 |
| USAA | $1,300 | $108 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Alabama, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,849 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,849 | $154 |
| Travelers | $1,965 | $164 |
| Nationwide | $2,011 | $168 |
| Allstate | $2,134 | $178 |
| Geico | $2,483 | $207 |
| Progressive | $2,900 | $242 |
| Auto-Owners | $3,192 | $266 |
| Farmers | $3,343 | $279 |
| USAA | $1,695 | $141 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Alabama is Nationwide with an average annual cost of $1,480 or $123 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,480 | $123 |
| Geico | $1,804 | $150 |
| Travelers | $2,198 | $183 |
| Allstate | $2,621 | $218 |
| Progressive | $3,433 | $286 |
| Farmers | $3,444 | $287 |
| Auto-Owners | $4,608 | $384 |
| State Farm | $5,482 | $457 |
| USAA | $2,061 | $172 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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