- Cheapest car insurance in Alabama for a bad driving record
- How much is high-risk car insurance in Alabama?
- Cheapest car insurance in Alabama with a DUI
- Cheapest car insurance in Alabama with multiple tickets
- Cheapest car insurance in Alabama with a reckless driving conviction
- Cheapest car insurance in Alabama with bad credit
- Cheapest car insurance after an accident in Alabama
- Cheapest car insurance in Alabama by city
- How to reduce car insurance rates in Alabama for a bad driving record
- Alabama car insurance laws for high-risk drivers
Cheapest car insurance in Alabama for a bad driving record
If you have a poor driving record in Alabama, Travelers, Nationwide, State Farm are the cheapest options. Travelers has the lowest annual rate at $2,115.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,428 | $2,115 |
| Nationwide | $1,345 | $2,319 |
| State Farm | $1,790 | $2,747 |
| Allstate | $2,178 | $2,780 |
| Geico | $1,625 | $3,086 |
| Progressive | $2,402 | $3,248 |
| Auto-Owners | $2,134 | $3,880 |
| Farmers | $2,542 | $4,712 |
| USAA | $1,458 | $2,182 |
How much is high-risk car insurance in Alabama?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Alabama, high-risk car insurance costs $3,045. However, you can get rates as low as $2,115 from Travelers.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Travelers | $1,428 | $2,078 |
| State Farm | $1,790 | $2,151 |
| USAA | $1,458 | $2,210 |
| Nationwide | $1,345 | $2,235 |
| Auto-Owners | $2,134 | $2,696 |
| Geico | $1,625 | $2,845 |
| Allstate | $2,178 | $3,379 |
| Progressive | $2,402 | $3,944 |
| Farmers | $2,542 | $4,269 |
Cheapest car insurance in Alabama with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,934.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Alabama.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,790 | $1,934 |
| Travelers | $1,428 | $2,166 |
| Nationwide | $1,345 | $2,825 |
| Progressive | $2,402 | $2,880 |
| Allstate | $2,178 | $2,899 |
| Geico | $1,625 | $3,498 |
| Auto-Owners | $2,134 | $3,981 |
| Farmers | $2,542 | $5,293 |
| USAA | $1,458 | $3,093 |
Cheapest car insurance in Alabama with multiple tickets
The cheapest insurer for drivers with multiple traffic tickets is State Farm, with rates averaging $1,934 or $161.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Alabama drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,790 | $1,934 |
| Travelers | $1,428 | $2,002 |
| Nationwide | $1,345 | $2,074 |
| Allstate | $2,178 | $2,414 |
| Auto-Owners | $2,134 | $2,726 |
| Geico | $1,625 | $3,005 |
| Progressive | $2,402 | $3,065 |
| Farmers | $2,542 | $4,030 |
| USAA | $1,458 | $1,685 |
Cheapest car insurance in Alabama with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,934.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,790 | $1,934 |
| Travelers | $1,428 | $2,166 |
| Nationwide | $1,345 | $2,825 |
| Allstate | $2,178 | $2,899 |
| Progressive | $2,402 | $3,406 |
| Geico | $1,625 | $3,498 |
| Auto-Owners | $2,134 | $3,981 |
| Farmers | $2,542 | $5,548 |
| USAA | $1,458 | $2,224 |
Cheapest car insurance in Alabama with bad credit
The cheapest Alabama insurer for bad credit is Nationwide, with rates averaging $2,039 or $170. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Alabama car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,345 | $2,039 |
| Travelers | $1,428 | $2,355 |
| Geico | $1,625 | $2,505 |
| Allstate | $2,178 | $3,639 |
| Progressive | $2,402 | $4,003 |
| Farmers | $2,542 | $5,341 |
| Auto-Owners | $2,134 | $5,991 |
| State Farm | $1,790 | $6,811 |
| USAA | $1,458 | $2,721 |
Cheapest car insurance after an accident in Alabama
Travelers has the lowest rates after an accident at $2,026. State Farm also has affordable rates at $2,151.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Travelers | $1,428 | $2,026 | $2,575 |
| State Farm | $1,790 | $2,151 | $2,151 |
| Nationwide | $1,345 | $2,235 | $2,979 |
| Auto-Owners | $2,134 | $2,696 | $3,183 |
| Geico | $1,625 | $2,845 | $4,528 |
| Allstate | $2,178 | $3,379 | $4,416 |
| Progressive | $2,402 | $3,944 | $5,493 |
| Farmers | $2,542 | $4,269 | $5,783 |
| USAA | $1,458 | $2,210 | $4,143 |
Cheapest car insurance in Alabama by city
Decatur has the cheapest car insurance rates in Alabama at $2,809. But the most expensive city is Birmingham with rates of $3,364.
Your location in Alabama also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Decatur | $1,700 | $2,809 |
| Florence | $1,699 | $2,820 |
| Groveoak | $1,752 | $2,872 |
| Anniston | $1,797 | $2,968 |
| Alpine | $1,818 | $2,985 |
| Cropwell | $1,801 | $2,986 |
| La Fayette | $1,828 | $3,008 |
| Montgomery | $1,926 | $3,111 |
| Mobile | $2,009 | $3,276 |
| Bessemer | $1,996 | $3,285 |
| Birmingham | $2,040 | $3,364 |
How to reduce car insurance rates in Alabama for a bad driving record
Finding affordable car insurance in Alabama is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren’t added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
Alabama car insurance laws for high-risk drivers
If you're a high-risk driver in Alabama, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn’t a type of insurance; it’s just a form. You don’t need special coverage, but your rates might be higher because you’re considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
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