Alabama Auto Insurance Rates
Median premium: $908/6mo across 10 carriers and 811 ZIP codes.
Premiums range from $675 to $1,570 — a 2.3x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$908
per 6 months
ZIP Codes
811
with rate data
Carriers
10
rated in AL
Price Spread
2.3x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $760 | 811 ZIPs | 100% | |
| 2 | Auto-Owners | $771 | 0 ZIPs | 0% | |
| 3 | State Farm | $788 | 0 ZIPs | 0% | |
| 4 | Progressive | $840 | 0 ZIPs | 0% | |
| 5 | Farmers | $873 | 0 ZIPs | 0% | |
| 6 | Nationwide | $942 | 0 ZIPs | 0% | |
| 7 | Travelers | $960 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $985 | 0 ZIPs | 0% | |
| 9 | Allstate | $1,114 | 0 ZIPs | 0% | |
| 10 | GEICO | $1,180 | 0 ZIPs | 0% |
1
$760USAA#1 in 811 ZIPs (100%)
2
$771Auto-Owners#1 in 0 ZIPs (0%)
3
$788State Farm#1 in 0 ZIPs (0%)
4
$840Progressive#1 in 0 ZIPs (0%)
5
$873Farmers#1 in 0 ZIPs (0%)
6
$942Nationwide#1 in 0 ZIPs (0%)
7
$960Travelers#1 in 0 ZIPs (0%)
8
$985Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,114Allstate#1 in 0 ZIPs (0%)
10
$1,180GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Alabama
| City | Avg Median | ZIPs |
|---|---|---|
| Bear Creek | $675 | 1 |
| Beaverton | $675 | 1 |
| Brilliant | $675 | 1 |
| Detroit | $675 | 1 |
| Guin | $675 | 1 |
Most Expensive Cities in Alabama
| City | Avg Median | ZIPs |
|---|---|---|
| Horton | $1,208 | 1 |
| Guntersville | $1,208 | 1 |
| Albertville | $1,208 | 2 |
| Blountsville | $1,208 | 1 |
| Titus | $1,158 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,208/6mo
35980 (Horton)
Cheapest ZIP
$675/6mo
35543 (Bear Creek)
2.3x
Price Spread
The most expensive ZIP in Alabama costs 2.3x more than the cheapest. Your ZIP code matters more than you think.
Alabama Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Alabama
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Access ZIP-level rate data across all 10 carriers, 811 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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