How much is car insurance in Alabama?
Car insurance in Alabama cost an average of $1,269 a year for full coverage in 2023 (NAIC), sitting 12% below the $1,439 national average and coming to about $1,500 a year in Alabama today (about $125 a month in August 2026 dollars). In Alabama, the law asks for at least 25/50/25 liability, while Alabama liability-only policies—the closest NAIC figure to minimum coverage—averaged $576 in 2023 (about $680 today).
Average car insurance cost in Alabama: 12% below the US average
Typical Alabama full-coverage price today
about $1,500 a year in Alabama (about $125 a month)
Alabama's 2023 NAIC full-coverage average ($1,269) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Alabama rate depends on your car, driving history, and coverage limits.
That $1,269 2023 full-coverage figure makes Alabama the 26th least expensive of the 50 states and DC (against $1,439 nationally), with 45% going to liability ($576, 23rd lowest in the US) and 55% covering physical damage to your own vehicle. NAIC also tracks Alabama's average expenditure per insured vehicle—$1,081 in 2023 (21st lowest in the US, or about $1,280 today)—which sits 15% ($188) below Alabama's full-coverage average because many Alabama drivers drop collision or comprehensive on older cars.
How Alabama compares with Florida, Georgia, Mississippi, and Tennessee
A typical policy in Alabama ($1,269 in 2023) costs more than in Tennessee and less than in Florida, Georgia, and Mississippi. Among Alabama's neighbors, Tennessee had the lowest 2023 average ($1,212, moving to Alabama is about $80 more a year) and Florida had the highest ($1,994, moving to Alabama is about $970 less a year).
| State | 2023 average | Moving to Alabama from there |
|---|---|---|
| Alabama | $1,269 | Current state (Alabama) |
| Florida | $1,994 | About $970 less a year |
| Georgia | $1,746 | About $640 less a year |
| Mississippi | $1,395 | About $170 less a year |
| Tennessee | $1,212 | About $80 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Oregon ($1,268 in 2023, about $1,500 today), Pennsylvania ($1,273 in 2023, about $1,510 today), Alaska ($1,262 in 2023, about $1,500 today), and Illinois ($1,257 in 2023, about $1,490 today).
Alabama: 25/50/25 minimums, with uninsured-motorist coverage unless you decline it
- Alabama liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Alabama
- Not required
- Medical payments in Alabama
- Not required
- No-fault system in Alabama
- No
- Uninsured motorist in Alabama
- Included unless you decline
- Underinsured motorist in Alabama
- Included unless you decline
Set by Ala. Code 32-7-6(c), Alabama's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Alabama, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Alabama—the closest NAIC figure to what an Alabama minimum policy costs—averaged $576 in 2023 (about $680 in Alabama today), the 23rd lowest of the 50 states and DC. That makes liability 45% of Alabama's full-coverage average ($1,269), while the remaining 55% goes toward collision and comprehensive coverage for your own car.
Alabama requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured-motorist coverage is included unless you turn it down.
Good to know: Alabama's law gives you the right to turn down uninsured motorist coverage but doesn't say the first refusal has to be in writing, so we mark it "included unless you decline." Insurers usually ask you to sign a form anyway. Alabama counts a driver with too little insurance as uninsured, so this coverage also protects you from underinsured drivers.
What we couldn’t confirm: We only saw part of the law's definition of an uninsured vehicle (the text was cut off). We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- At least $25,000 per person and $50,000 per crash. Because Alabama counts underinsured drivers as uninsured, one coverage handles both.
- History and recent checks
- 25/50/25 in current Ala. Code 32-7-6(c); no 2024-2026 change found on the Legislature's code site.
- Checked
- September 22, 2026
- Sources
- Ala. Code 32-7-6(c)
not less than twenty-five thousand dollars ($25,000) because of bodily injury to or death to one person ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) because of injury to or destruction of property
- Ala. Code 32-7A-4
No person shall operate, register, or maintain registration of ... a motor vehicle ... unless the motor vehicle is covered by a liability insurance policy
- Ala. Code 32-7-23
shall be delivered ... unless coverage is provided therein ... provided, that the named insured shall have the right to reject such coverage
- Ala. Code 32-7-6(c)
Adding a 16-year-old driver in Alabama: about $990 more a year
Adding a 16-year-old to a Alabama policy
about $990 more a year
About $85 a month (+66% over a typical Alabama adult policy of $1,500), bringing the combined Alabama family policy to roughly $1,850–$3,300 a year.
On a separate Alabama policy of their own with the same car, a 16-year-old in Alabama would pay about $4,310 a year (roughly $3,300–$6,150), so sharing a parent's Alabama policy saves about $3,320 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Alabama's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Alabama
In Alabama, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $890 more a year on an Alabama policy, versus about $1,490 more a year for the 2022 Tesla Model 3 at the top of Alabama's list.
| 2022 model | Added to a Alabama policy | Own Alabama policy |
|---|---|---|
| 2022 Subaru Forester | +$890 in Alabama | $3,850 in Alabama |
| 2022 Subaru Outback | +$890 in Alabama | $3,860 in Alabama |
| 2022 Subaru Crosstrek | +$890 in Alabama | $3,870 in Alabama |
| 2022 Honda CR-V | +$950 in Alabama | $4,140 in Alabama |
| 2022 Toyota RAV4 | +$970 in Alabama | $4,210 in Alabama |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Alabama
In Alabama, a 45-year-old with full coverage pays from about $1,630 a year for a 2024 Subaru Impreza to about $2,000 for a 2024 Kia Forte on these Alabama sample models.
| Car | 45-year-old in Alabama | Adding a teen in Alabama |
|---|---|---|
| 2024 Honda Civic | about $1,900 a year | +$1,250 a year |
| 2024 Toyota Corolla | about $1,830 a year | +$1,210 a year |
| 2024 Toyota Camry | about $1,840 a year | +$1,220 a year |
| 2024 Honda Accord | about $1,820 a year | +$1,200 a year |
| 2024 Mazda 3 | about $1,790 a year | +$1,180 a year |
| 2024 Subaru Impreza | about $1,630 a year | +$1,080 a year |
| 2024 Hyundai Elantra | about $1,970 a year | +$1,300 a year |
| 2024 Kia Forte | about $2,000 a year | +$1,320 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Alabama
- How much is car insurance in Alabama?
- In Alabama, full-coverage car insurance averaged $1,269 a year in 2023 (the 26th least expensive of the 50 states and DC per NAIC), or about $1,500 a year ($125 a month) in Alabama as of August 2026. Alabama liability-only coverage averaged $576 in 2023 (45% of Alabama's full-coverage figure, or about $680 today), and Alabama drivers spent $1,081 per insured car across all policies.
- What are the minimum car insurance limits in Alabama?
- Under Ala. Code 32-7-6(c), Alabama requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 in current Ala. Code 32-7-6(c); no 2024-2026 change found on the Legislature's code site.
- How much does adding a 16-year-old teen driver cost in Alabama?
- Adding a 16-year-old to a parent's full-coverage policy in Alabama adds about $990 more a year ($85 a month), bringing the Alabama household policy to roughly $1,850–$3,300 a year versus about $4,310 a year (roughly $3,300–$6,150) on a standalone Alabama teen policy.
- Is Alabama a no-fault car insurance state?
- No—Alabama is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Alabama does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Alabama: At least $25,000 per person and $50,000 per crash. Because Alabama counts underinsured drivers as uninsured, one coverage handles both.
- How does Alabama's car insurance cost compare with Florida?
- Alabama averaged $1,269 for full coverage in 2023 (NAIC) against $1,994 in Florida (36% less than Florida), and moving a sample policy from Florida to Alabama today is about $970 less a year. Other bordering states averaged $1,746 in Georgia, $1,395 in Mississippi, and $1,212 in Tennessee in 2023.
Sources for Alabama
- Alabama average premiums ($1,269 full coverage, $576 liability-only, $1,081 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Alabama minimum coverage statutes (Ala. Code 32-7-6(c); Ala. Code 32-7A-4; Ala. Code 32-7-23), checked September 22, 2026. Page updated for Alabama. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.