Cheapest Teen Driver Auto Insurance in Alabama (Top 10 Low-Cost Companies Ranked for 2024)
USAA, Geico, and Nationwide offer the cheapest teen driver auto insurance in Alabama, with rates averaging $59/mo. USAA teen Alabama auto insurance costs only $56, and Geico's teen full coverage rates average only $201/mo. Nationwide awards good students with 15% off teen car insurance rates.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Apr 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Avg. Monthly Rate for Teen Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Teen Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Teen Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
USAA has the cheapest teen driver auto insurance in Alabama, followed by Geico and Nationwide.
Other great Alabama auto insurance companies for teens are listed below.
Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $56 | A++ | Military Savings | USAA | |
#2 | $58 | A++ | Cheap Rates | Geico | |
#3 | $62 | A+ | Usage Discount | Nationwide | |
#4 | $65 | A++ | Many Discounts | State Farm | |
#5 | $71 | A+ | Add-on Coverages | Allstate | |
#6 | $79 | A+ | Deductible Reduction | The Hartford | |
#7 | $85 | A | Customizable Polices | Liberty Mutual | |
#8 | $92 | A | Local Agents | Farmers | |
#9 | $98 | A++ | Accident Forgiveness | Travelers | |
#10 | $108 | A+ | Online Convenience | Progressive |
To find cheap auto insurance in Alabama for teen drivers today, compare rates using our free tool.
- USAA has the cheapest teenage car insurance average
- Geico teenage driver insurance costs are the next best
- Shopping around will help you find the best insurance for teen drivers
#1 – USAA: Top Pick Overall
Pros
- Military Savings: USAA members get discounts on shopping and traveling in addition to low auto insurance rates.
- Customer Service: USAA has great ratings for customer service. Our USAA review goes over this in more detail.
- Usage-Based Discount: USAA has a good driver program that offers a discount to drivers who score well.
Cons
- Military/Veteran Exclusive: USAA only sells insurance to the military, veterans, and their immediate families.
- Fewer Local Agents: USAA doesn’t have many in-person agents.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Cheap Rates
Pros
- Cheap Rates: Teen drivers with clean driving records will find cheap rates at Geico. Find out more about Geico’s rates in our review of Geico.
- User-Friendly: Geico’s website is easy to navigate, and its app is well-rated by customers.
- Add-On Coverages: Geico offers add-ons like 24/7 roadside assistance.
Cons
- Discount Availability: Geico’s good driver discount is not available in all states.
- Virtual Communication: Most communication with Geico will be online or over the phone.
#3 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Nationwide offers a discount to drivers who do well in its usage-based program.
- Vanishing Deductibles: Each claim-free policy period will result in a small reduction of deductibles.
- Add-On Coverages: Nationwide has gap insurance, roadside assistance, rental car insurance, and more.
Cons
- Insurance Availability: A few states don’t have Nationwide insurance.
- DUI Driver Rates: Nationwide isn’t the cheapest insurance on average for teens with DUIs. Read more about rates in our Nationwide review.
#4 – State Farm: Best for Many Discounts
Pros
- Many Discounts: State Farm offers good student discounts for teens, as well as multiple other discounts.
- Customer Service: State Farm’s local agents offer great customer service, which you can read more about in our State Farm review.
- Add-On Coverage: State Farm has all the typical add-ons like roadside assistance.
Cons
- Discount Availability: Not all of State Farm’s discounts are available in all states.
- Can Only Get Quotes Online: Purchases must be completed through a State Farm agent.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#5 – Allstate: Best for Many Coverages
Pros
- Many Coverages: Allstate offers plenty of add-on auto insurance coverages. Learn more in our review of Allstate.
- Good Student Discount: Allstate offers teen-specific discounts like its good student discount.
- Availability: Allstate auto insurance is sold in every state.
Cons
- High-Risk Rates: Teens with clean driving records will get the best deal at Allstate, while high-risk drivers may want to look elsewhere.
- Discount Availability: Allstate’s discounts aren’t always available in a state.
#6 – The Hartford: Best for Deductible Reduction
Pros
- Deductible Reduction: The Hartford reduces deductibles for each claim-free period at the company.
- Add-On Coverages: The Hartford has plenty of coverage options, which we go over in our review of The Hartford.
- Discount Options: The Hartford offers good driver discounts and more.
Cons
- Best for Older Drivers: The Hartford caters more to older drivers, so it may not have the best driver or discount programs for teen drivers.
- Customer Ratings: J.D. Power scored customer satisfaction as average or slightly below average at The Hartford.
#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Teens can select from multiple minimum and full coverage options. Learn about the company’s coverage options in our Liberty Mutual review.
- Accident Forgiveness: Liberty Mutual won’t raise rates if drivers meet the qualifications for accident forgiveness.
- 24/7 Support: Liberty Mutual’s 24/7 line offers customer assistance for claims, policy changes, and more.
Cons
- Discount Availability: Liberty Mutual’s good driver program discount isn’t available in all states.
- High-Risk Rates: Teens with poor driving records won’t get the best deal at Liberty Mutual.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#8 – Farmers: Best for Local Agents
Pros
- Local Agents: Farmers’ local agents can provide helpful, in-person assistance. Find out more in our Farmers review.
- Accident Forgiveness: Farmers’ accident forgiveness can be a great perk for the drivers who qualify.
- Good Student Discount: Good students can earn a discount on their auto insurance.
Cons
- Discount Availability: Farmers’ UBI discount isn’t available in all states.
- No Gap Insurance: Teens with new cars will have to look elsewhere for gap insurance.
#9 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers’ accident forgiveness is great for qualifying drivers who get into their first at-fault accident, as it won’t raise rates.
- Add-On Coverages: Travelers’ coverages include roadside assistance. Learn more about the company’s coverage options in our Travelers review.
- Various Discounts: Travelers offers good driver discounts and more.
Cons
- High-Risk Rates: Travelers’ rates for teen drivers with poor driving records are often higher than the average.
- Customer Ratings: J.D. Power found that Travelers has just average ratings.
#10 – Progressive: Best for Online Convenience
Pros
- Online Convenience: Progressive customers can file claims, change policy details, and more online.
- Budget Tool: Customers can see how much coverage they can afford at Progressive with its budgeting tool. Learn about Progressive’s coverage options in our review of Progressive.
- Multiple Discounts: Progressive has multiple discount opportunities for teens.
Cons
- Usage-Based Discount Rate Increases: Progressive’s usage-based program may raise rates for poor drivers.
- Customer Ratings: Progressive has average or below-average customer satisfaction ratings from J.D. Power.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Alabama Auto Insurance Laws for Teen Drivers
It is important for teen drivers to carry the right amount of insurance that meets state requirements, or they could face fines and fees for not carrying the Alabama minimum auto insurance requirements.
Minimum Alabama Auto Insurance Requirements
Alabama teens are to carry, at the very minimum, the following amounts of liability insurance:
- $25,000 of bodily injury insurance per person
- $50,000 of bodily injury insurance per accident
- $25,000 of property damage insurance per accident
Carrying minimum coverage is the cheapest option for Alabama teens, but it doesn’t offer much coverage. Instead, teens should have full coverage policies.
Alabama teens with full coverage policies will be financially protected in accidents caused by collisions with other vehicles, animals, fences, and much more.Dani Best Licensed Insurance Producer
To see the rate differences between full and minimum coverage, take a look at the table below.
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
16-Year-Old Female | $192 | $556 |
16-Year-Old Male | $216 | $600 |
17-Year-Old Female | $177 | $471 |
17-Year-Old Male | $201 | $529 |
18-Year-Old Female | $161 | $385 |
18-Year-Old Male | $185 | $457 |
19-Year-Old Female | $146 | $300 |
19-Year-Old Male | $170 | $386 |
20-Year-Old Female | $130 | $214 |
20-Year-Old Male | $154 | $314 |
21-Year-Old Female | $115 | $129 |
21-Year-Old Male | $139 | $243 |
As you can see, the rates for Alabama auto insurance for a 15-year-old are going to be different than rates for Alabama auto insurance for a 16-year-old, as age affects rates. Read more in our article: Cheapest Liability-Only Auto Insurance.
Alabama Auto Insurance Grace Period for Teen Drivers
The grace period refers to the time a teen has to join an auto insurance policy after getting their driver’s license. The grace period varies by company, but it is important for families to add a new driver as quickly as possible to avoid the teen driving without insurance.
Read More: Helping Teen Drivers Get Their First License
Comparing Teen Driver Auto Insurance Rates in Alabama
One of the reasons auto insurance costs more for young drivers is a lack of driving experience, as teens are more likely to get into accidents. Teens with poor driving records will have much higher Alabama car insurance rates.
Age & Gender | Speeding Ticket | At-Fault Accident | DUI/DWI |
---|---|---|---|
16-Year-Old Female | $639 | $723 | $973 |
16-Year-Old Male | $690 | $780 | $1,050 |
17-Year-Old Female | $542 | $612 | $824 |
17-Year-Old Male | $608 | $688 | $926 |
18-Year-Old Female | $443 | $501 | $674 |
18-Year-Old Male | $526 | $594 | $800 |
19-Year-Old Female | $345 | $390 | $525 |
19-Year-Old Male | $444 | $502 | $676 |
20-Year-Old Female | $246 | $278 | $375 |
20-Year-Old Male | $361 | $408 | $550 |
21-Year-Old Female | $148 | $168 | $226 |
21-Year-Old Male | $279 | $316 | $425 |
Learn More: Cheap Auto Insurance for Teens After an Accident
Location will also affect Alabama auto insurance rates, as you can see from the table below.
Age & Gender | Birmingham | Huntsville | Mobile | Montgomery | Tuscaloosa |
---|---|---|---|---|---|
16-Year-Old Female | $186 | $159 | $181 | $172 | $169 |
16-Year-Old Male | $205 | $175 | $199 | $189 | $186 |
17-Year-Old Female | $177 | $151 | $172 | $163 | $161 |
17-Year-Old Male | $194 | $166 | $189 | $180 | $177 |
18-Year-Old Female | $167 | $143 | $163 | $155 | $152 |
18-Year-Old Male | $184 | $157 | $179 | $170 | $167 |
19-Year-Old Female | $158 | $135 | $154 | $146 | $144 |
19-Year-Old Male | $174 | $149 | $169 | $161 | $158 |
20-Year-Old Female | $149 | $127 | $145 | $138 | $135 |
20-Year-Old Male | $164 | $140 | $159 | $151 | $149 |
21-Year-Old Female | $140 | $119 | $136 | $129 | $127 |
21-Year-Old Male | $153 | $131 | $149 | $142 | $139 |
When searching for the best auto insurance for drivers under 25, get several quotes.
How to Add a Teen Driver to Alabama Auto Insurance
Adding a teen driver to an existing policy is fairly easy. You may be able to add a teen driver online on the company’s app, or you may need to call the company and speak to a representative. Bear in mind that while you will get higher Alabama auto insurance quotes after adding a teen driver, it is still cheaper than a teen purchasing their own policy.
Age & Gender | Individual | Parent's Policy |
---|---|---|
16-Year-Old Female | $312 | $332 |
16-Year-Old Male | $352 | $349 |
17-Year-Old Female | $393 | $320 |
17-Year-Old Male | $471 | $335 |
18-Year-Old Female | $473 | $305 |
18-Year-Old Male | $545 | $334 |
19-Year-Old Female | $393 | $318 |
19-Year-Old Male | $471 | $333 |
20-Year-Old Female | $238 | $351 |
20-Year-Old Male | $238 | $369 |
21-Year-Old Female | $374 | $320 |
21-Year-Old Male | $392 | $335 |
Joining a parent’s policy is often the easiest and cheapest option, as seen from the rates above. And if the teen is driving a parent’s car, then they should be added to the parent’s policy regardless.
Read More: Does the car a teen drives affect auto insurance rates?
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Ways to Save on Teen Driver Auto Insurance in Alabama
Below, you can see the average rates for companies with the best car insurance for drivers under 25.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
USAA | $56 | $180 |
Geico | $58 | $201 |
Nationwide | $62 | $327 |
State Farm | $65 | $369 |
Allstate | $71 | $386 |
The Hartford | $79 | $442 |
Liberty Mutual | $85 | $535 |
Farmers | $92 | $644 |
Travelers | $98 | $809 |
Progressive | $108 | $808 |
Purchasing just minimum coverage that meets Alabama auto insurance requirements is one way to save, but it doesn’t provide enough coverage for teen drivers. Instead, consider applying for discounts to save on the best car insurance in Alabama.
If you need low-income car insurance in Alabama, the best way is to shop around for quotes and get discounts (learn more: Best Auto Insurance for Low-Income Drivers).
Where to Get the Cheapest Teen Driver Auto Insurance in Alabama
USAA, Geico, and Nationwide offer Alabama’s cheapest teen driver insurance. In addition to low rates, they also offer teen driver discounts, add-on coverages, and much more. Shopping at these companies will help most teen drivers find affordable insurance.
Read more about the discounts you can get for teen driver auto insurance here: Auto Insurance Discounts.
Want to find affordable Alabama teen insurance today? Enter your ZIP code into our free quote tool to get Alabama car insurance quotes.
Frequently Asked Questions
How much is auto insurance in Alabama per month?
There are multiple factors that affect auto insurance rates in Alabama, so what drivers pay can vary. However, minimum coverage for 16-year-olds is an average of $204/mo.
What is the cheapest way to get auto insurance for a teenager in Alabama?
Adding teens to a parent’s policy is the best way to get the lowest-cost auto insurance for teens.
How much is auto insurance for a 16-year-old in Alabama?
Alabama auto insurance averages $204/mo for 16-year-olds purchasing their own policy. It is easier to get cheap auto insurance for 16-year-olds if the teen joins a parent’s policy.
How much is auto insurance for a 19-year-old in Alabama?
Auto insurance averages $158/mo in Alabama for 19-year-olds. Compare quotes with our free tool to get the best auto insurance in Alabama.
What is the cheapest auto insurance for a 16-year-old in Alabama?
The cheapest Alabama car insurance companies charge is an average of $59/mo for teens for minimum coverage.
What is the cheapest auto insurance for a 17-year-old?
Rates for Alabama auto insurance for a 17-year-old will vary by driver, so the best way to find cheap auto insurance for 17-year-olds is to shop around for quotes at the cheapest companies.
What type of Alabama auto insurance should a 19-year-old college student have?
The best auto insurance for drivers under 25 is full coverage.
Is it cheaper for teen drivers in Alabama to be on their parents’ auto insurance?
Yes, it is cheaper for Alabama teens to be on their parents’ auto insurance.
Why is auto insurance so expensive in Alabama?
Rates may be high due to driver factors, such as a poor driving record. If you are having trouble finding cheap car insurance in Alabama, make sure to shop at the companies with the cheapest teen auto insurance.
What is the penalty for not having auto insurance in Alabama?
You could face fines, suspended licenses, and more if you don’t meet Alabama car insurance requirements.
What is the grace period for auto insurance in Alabama?
The Alabama car insurance grace period depends on the company, but Alabama auto insurance laws do require all licensed drivers to have auto insurance, so it is wise to add a teen driver right after they get their license.
Can you go to jail for driving without insurance in Alabama?
Yes, failing to meet Alabama car insurance laws may result in possible jail time for repeat offenders or having to purchase high-risk auto insurance.
How many uninsured drivers are in Alabama?
The latest study by III determined over 14% of Alabama drivers are uninsured, so make sure to carry cheap full-coverage insurance to protect yourself.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.