McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance for a new driver in Alabama costs an average of $852 per year to $3,012 per year. Auto insurance premiums for new drivers in Alabama vary widely depending on a driver’s age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent’s policy is significantly less than the cost of a teenager getting their own policy.
Average Cost of Car Insurance for New Drivers in Alabama
| Company | Monthly Cost | Annual Cost |
| $90 per month | $1,081 per year | |
| $98 per month | $1,170 per year | |
| $121 per month | $1,448 per year | |
| $128 per month | $1,538 per year | |
| $147 per month | $1,769 per year |
Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary.
New drivers aren’t only teens and those in their early 20’s. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Alabama, insurance rates will still likely be higher than the average of $48 per month for an experienced adult.
A new driver’s lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they’ll begin to see their rates decrease. To learn more about minimizing the cost of car insurance in Alabama, check out WalletHub’s picks for the cheapest Alabama car insurance companies.
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What car insurance discounts are available in Alabama?
You can get car insurance discounts in Alabama based on how you drive, the car you own, and your relationship with your insurance company. In Alabama, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
read full answerHow much car insurance do I need in Alabama?
Drivers in Alabama need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Alabama is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
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read full answerHow much is insurance for a new driver?
Car insurance is likely to cost more than $5,500 annually for a new driver who is 17 years old to get a stand-alone policy. On the other hand, auto insurance will cost about $2,750 extra per year when adding a 17-year-old new driver to a parent’s policy. But insurance costs for new drivers vary widely.
Age is a major factor in how much insurance costs for a new driver. Not everyone gets their first...
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