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If you’re a driver in Alabama, you need to have auto insurance. Not only can it potentially save you a lot of money if an accident occurs, it’s also the law. According to the Alabama Department of Revenue, drivers are required to be insured for at least $25,000 for property damage or destruction, $25,000 for bodily injury or death of one person, and $50,000 for bodily injury or death of two or more people.

When you’re looking for insurance, it’s also important to get the most bang for your buck. Your insurance rates will depend on a variety of factors, such as your age, driving record, the type of vehicle you drive, and other things. With some companies, you can get a surprisingly good rate on auto insurance, which means you can save more money to spend on things you really want.

Location Matters

Birmingham, AL

Insurance prices will also depend on which part of Alabama you’re located in. For example, in Birmingham, the state’s biggest city, you might expect rates to be higher. However, you’d be wrong. Birmingham actually has relatively cheap rates relative to the rest of the state. If you’re looking for the cheapest insurance companies in this city, they are:

  • Progressive
  • Infinity
  • National General
  • United Services
  • Accc

Of these companies, Progressive wins out as the cheapest, offering average rates of less than $700 per year. All five of these companies are substantially cheaper than average for this region.

Montgomery, AL

Montgomery is Alabama’s capital, and second biggest city. Auto insurance prices here tend to mirror those in Birmingham, although the average rights are slightly higher. Here’s the five cheapest auto insurance companies in this area, in descending order of price:

  • Progressive
  • National General
  • United Services
  • Accc
  • Infinity

As you can see, Progressive finishes on top again. The overall list of companies is the same as in Birmingham, albeit in a slightly different order.

Mobile, AL

Things gets a bit pricier in Mobile. In fact, it’s the most expensive city for auto insurance in Alabama. Fortunately, we have a list of companies where you can find cheap auto insurance in Mobile, most of which should be familiar by now:

  • Progressive
  • National General
  • United Services
  • Accc
  • Integon National

Even though the average person in Mobile pays $1,368 per year for auto insurance, you can get it for around $700-900 at most of these companies. Integon is the only company on this list that charges over $1,000 per year for insurance on average (they average $1,074), but it’s still a major discount from the overall city average.

Huntsville, AL

Huntsville is one of the cheapest places to get auto insurance in Alabama. The city average is under $1,200 a year, and you can find companies on our list offering the requisite insurance for as little is $600. Here’s the five cheapest insurance companies for Huntsville:

Tuscaloosa, AL

  • Progressive
  • United Services
  • National General
  • Accc
  • Infinity

The average price for auto insurance in Tuscaloosa is almost identical to Birmingham. Unsurprisingly, the list of the five most affordable auto insurance companies in the area includes the same five as Birmingham, though the order is slightly different:

  • Progressive
  • United Services
  • National General
  • Infinity
  • Accc

You may have noticed that Progressive seems to consistently have the cheapest auto insurance in Alabama, regardless of the city. Does that make it the best choice? Possibly, but make sure to do your homework. The terms and conditions of each insurance contract can be different, so it’s important to make sure you get the level of coverage you want. All of the companies listed above offer cheap, affordable auto insurance. Ultimately, it’s up to you to make the final call on which one fits your individual needs the best.