USAA Alabama Auto Insurance Rates
Median premium: $760/6mo across 811 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How USAA Compares in Alabama
Median 6-month premium across all rated ZIPs. USAA highlighted in blue.
Geographic Detail
Cheapest Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Bear Creek | $565 | -38% |
| Beaverton | $565 | -38% |
| Brilliant | $565 | -38% |
Most Expensive Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Horton | $1,012 | +11% |
| Guntersville | $1,012 | +11% |
| Albertville | $1,012 | +11% |
USAA Alabama Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to see USAA's rate in your area.
Other carriers in Alabama
USAA ranks #1 out of 10 carriers in Alabama with a median 6-month premium of $760. This places USAA 16% below the statewide median of $908. The carrier covers 811 ZIP codes across the state, with premiums ranging from $565 to $1,012.
USAA is the cheapest option in 100% of Alabama ZIP codes (811 ZIPs). The most affordable USAA rates are found in Bear Creek, where the average premium is just $565. On the other end, Horton has the highest USAA premiums, averaging $1,012 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
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.