Where can I get pay per mile insurance in Alabama?

Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.

It’s important to note that Metromile policies are always pay-per-mile, which means that customers pay a monthly rate and a small per-mile fee rather than a consistent premium. Also, … read full answerfull coverage is just an unofficial designation for a policy that includes the state’s minimum required coverage as well as collision and comprehensive insurance.

Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.

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 … read full answeruninsured/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.

Here’s How Much Car Insurance Drivers Need in Alabama:

If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Alabama law. Lenders or lessors usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle is worth if it has been stolen or totaled.

Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Alabama to make sure you’re paying for the coverage you need.

Car insurance in Alabama costs $58 monthly ($697 per year) for minimum coverage, on average, and around $177 per month ($2,123 annually) for a full-coverage policy. The cheapest insurance companies in Alabama are Geico, Country Financial, and USAA, but insurers calculate premiums differently, so it’s a good idea to get quotes from more companies to find the best deal.… read full answer

Average Cost of Car Insurance in Alabama by Category

• Clean driving record: $59 per month
• After an at-fault accident: $85 per month
• Driver with poor credit: $101 per month
• Teen driver: $232 per month
• After a DUI: $103 per month

The average cost of car insurance in Alabama is 3% lower than the national average auto insurance premium, and Alabama ranks 29 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Alabama, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.

Finally, it’s worth noting that car insurance premiums in Alabama are low, compared to the cost of coverage in neighboring states like Georgia and Louisiana. You can find more details in the table below.

Cost of Car Insurance in Alabama vs. Neighboring States