Auto Insurance in Alabama — Average Cost 2026
Average auto insurance in Alabama: $1,548/year ($129/month). Alabama ranks #15 out of 51 states — below the national average.
Average annual
$1,548
Average monthly
$129
National rank
#15
of 51 states
vs national avg
-13.0%
Alabama vs national average
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Auto insurance in Alabama
Alabama sits 13% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Alabama tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Alabama drivers hundreds of dollars annually.