Travelers:
- Average monthly premium: $109
- Average annual premium: $1,312
- Savings vs state avg. for min coverage: -$895
Geico:
- Average monthly premium: $127
- Average annual premium: $1,523
- Savings vs state avg. for min coverage: -$684
Nationwide:
- Average monthly premium: $147
- Average annual premium: $1,758
- Savings vs state avg. for min coverage: -$449
USAA:
- Average monthly premium: $153
- Average annual premium: $1,839
- Savings vs state avg. for min coverage: -$368
State Farm:
- Average monthly premium: $157
- Average annual premium: $1,889
- Savings vs state avg. for min coverage: -$318
Cheap Car Insurance Quotes For Alabama Teen Drivers
In Alabama, the average annual car insurance premiums for seventeen-year-old drivers vary significantly based on gender. On average, female drivers of this age group pay around $4,463 per year, whereas their male counterparts pay approximately $5,168 annually.
Notably, Geico offers the most competitive rates for teen drivers in Alabama, with average yearly premiums of $2,560 for females and $2,807 for males. Alternatively, Farmers stands out for having the highest average rates, charging $8,634 per year for female teen drivers and $9,338 for males.
It is worth noting that there are numerous options available for new drivers seeking car insurance, regardless of their age. below is a summarized comparison of average annual premiums for 17-year-old drivers in Alabama across different insurance companies:
Allstate:
- 17-Year-Old Female: $5,496
- 17-Year-Old Male: $5,905
Auto-Owners Insurance:
- 17-Year-Old Female: $3,692
- 17-Year-Old Male: $5,075
Farmers:
- 17-Year-Old Female: $8,634
- 17-Year-Old Male: $9,338
Geico:
- 17-Year-Old Female: $2,560
- 17-Year-Old Male: $2,807
Nationwide:
- 17-Year-Old Female: $4,878
- 17-Year-Old Male: $5,800
Cheap Car Insurance Quotes For Alabama Young Adult Drivers
In study classifies young adults as single 25-year-old female and male drivers. On average, women in this demographic pay $1,570 annually for car insurance in Alabama, while their male counterparts pay $1,644 per year. Notably, Progressive offers the most affordable car insurance rates in this category, with an average annual premium of $1,212 for young adult women and $1,245 for young adult men.
Conversely, Farmers emerge with the highest observed rates in our analysis, charging $1,987 per year for young adult women and $2,148 for young adult men.
Allstate:
- 25-Year-Old Female: $1,648
- 25-Year-Old Male: $1,685
Auto-Owners Insurance:
- 25-Year-Old Female: $1,975
- 25-Year-Old Male: $1,950
Farmers:
- 25-Year-Old Female: $1,987
- 25-Year-Old Male: $2,148
Geico:
- 25-Year-Old Female: $1,357
- 25-Year-Old Male: $1,344
Nationwide:
- 25-Year-Old Female: $1,562
- 25-Year-Old Male: $1,682
Cheap Car Insurance Quotes For Alabama Adult Drivers
In this context, adult drivers, characterized as married individuals aged 35, spend just below $1,300 annually for car insurance coverage in Alabama. Specifically, adult women incur an average expense of $1,278 per year, while adult men face an average annual cost of $1,287.
USAA presents the most economical rates for adult women in Alabama, offering an average yearly premium of $910. It is important to note that USAA car insurance is exclusively accessible to military members, veterans, and their families.
Progressive follows closely with the second-lowest average annual rate for adult women, standing at $933. Additionally, Progressive boasts the most budget-friendly sample rate for adult male drivers, at $881 per year.
Conversely, among the insurance providers scrutinized in our analysis, Farmers register the highest sample annual rates in this demographic: an average of $1,749 for adult women and $1,757 for adult men. Below is the data presented:
Allstate:
- 35-Year-Old Female: $1,472
- 35-Year-Old Male: $1,414
Auto-Owners Insurance:
- 35-Year-Old Female: $1,467
- 35-Year-Old Male: $1,467
Farmers:
- 35-Year-Old Female: $1,749
- 35-Year-Old Male: $1,757
Geico:
- 35-Year-Old Female: $1,142
- 35-Year-Old Male: $1,209
Nationwide:
- 35-Year-Old Female: $1,135
- 35-Year-Old Male: $1,184
What Is The Minimum Required Car Insurance For Alabama Drivers
Alabama’s regulations on auto insurance primarily emphasize liability coverage, which serves to compensate for injuries and damages caused to others by the insured. In the event of a car accident where another driver is at fault, individuals can pursue a claim against the responsible party’s liability insurance or opt for legal action.
For vehicle owners in Alabama, acquiring liability coverage is mandatory, with the following minimum requirements:
- $25,000 for bodily injury to a single individual
- $50,000 for bodily injury to multiple individuals in a single accident
- $25,000 for property damage per accident
These requirements are commonly denoted as “25/50/25.”
However, Alabama’s minimum coverage may not offer sufficient protection. For instance, in accidents involving multiple injuries, medical expenses could surpass the $50,000 coverage threshold, potentially leading to legal actions beyond the coverage limit.
Additionally, Alabama mandates car insurance providers to present uninsured motorist coverage (UM) to policyholders, which can be declined in writing. If opted for, UM must be procured with a minimum amount of $25,000 per injury to an individual and $50,000 for injuries sustained by multiple individuals in a single accident.
Underinsured motorist coverage (UIM) is also offered alongside UM. Acceptance or rejection of UM coverage determines the status of UIM coverage. Alabama prohibits car insurance companies from offering UM and UIM as separate coverage options, mandating them to be offered together.
How Many Uninsured Drivers Are There In Alabama
- Approximately 20% of drivers in Alabama lack insurance, as reported by the Insurance Research Council. This places Alabama as the seventh-highest state in the nation for uninsured drivers.
- In the event of a car accident caused by an uninsured driver, you have the option to pursue legal action against them to seek compensation. Alternatively, you can utilize your uninsured motorist insurance coverage to address any resulting injuries.
Also Read: Cheap Car Insurance Quotes Young Drivers
Penalties For Driving Without Auto Insurance In Alabama
- For a first violation of driving without auto insurance in Alabama, you could face a fine of up to $500. Additionally, you’ll be required to pay a $200 reinstatement fee.
- For subsequent offenses, including a second violation and each subsequent offense, penalties escalate. This may include fines of up to $1,000 and a six-month suspension of your license, coupled with a $400 reinstatement fee.
Under What Circumstances Can Your Alabama Car Insurance Be Canceled
- Under Alabama law, car insurance companies hold the authority to cancel your insurance policy for various reasons, such as non-payment of premiums, involvement in fraudulent claims, or conviction for offenses like driving under the influence of alcohol or drugs.
- These examples represent only a selection of grounds for insurance cancellation. The Alabama Department of Insurance maintains a comprehensive list of criteria for policy cancellation.
It is really important to know how car insurance works in Alabama to make sure you have enough coverage and follow the rules. Even though you can find cheap car insurance quotes in Alabama, it is important to find a balance between affordability and good coverage to protect yourself from possible problems. By looking at different insurance choices, remembering what the state needs, and checking for discounts, drivers in Alabama can find car insurance that’s both affordable and does a good job protecting them. Visit the official Website of an Insurer for more details.
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