See Alabama car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble. Once ready, see the best local and statewide car insurers.
Car insurance in Alabama often costs less than the national average. Lower state minimums and large rural areas keep many claims smaller than in dense metro regions.
Alabama’s 25/50/25 Rule: What It Covers
Alabama New Car Insurance Costs
Alabama Used Car Insurance Costs
How Credit History Influences Alabama Car Insurance Prices
Why Alabama’s Minimums Can Leave You Paying Out of Pocket
How Alabama Drivers Can Bring Their Insurance Costs Down
Curious about car financing? See real Alabama car loan rates shared by our community. Also find Alabama Best car loan lenders in your area (also community recommended).
Alabama’s 25/50/25 Rule: What It Covers
Alabama law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Alabama does not require coverage for injuries caused by uninsured drivers. You can add this protection to help cover costs if the other driver has no insurance.
MFP Tip: Newer trucks and SUVs can cost far more than $25,000 to repair. Higher limits can protect you from paying the difference after a crash.
Alabama New Car Insurance Costs
Your new auto price depends on the value of your car, how much coverage you choose, and your credit history. New cars usually cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $188 | $218 | $238 | $384 |
| Standard | $158 | $183 | $200 | $322 | |
| Liability only | $85 | $99 | $107 | $174 | |
| $40K-$60K | Full | $159 | $185 | $201 | $325 |
| Standard | $132 | $154 | $167 | $270 | |
| Liability only | $73 | $84 | $92 | $148 | |
| $25K-$40K | Full | $139 | $161 | $176 | $284 |
| Standard | $115 | $134 | $146 | $235 | |
| Liability only | $64 | $75 | $82 | $132 | |
| Below $25K | Full | $122 | $141 | $154 | $249 |
| Standard | $100 | $116 | $127 | $205 | |
| Liability only | $57 | $66 | $72 | $116 |
Alabama Used Car Insurance Costs
Used cars often cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $142 | $165 | $180 | $290 |
| Standard | $118 | $138 | $150 | $242 | |
| Liability only | $65 | $75 | $82 | $133 | |
| $15K-$40K | Full | $118 | $138 | $150 | $242 |
| Standard | $98 | $114 | $124 | $201 | |
| Liability only | $55 | $64 | $70 | $112 | |
| Below $15K | Full | $99 | $116 | $126 | $203 |
| Standard | $81 | $94 | $103 | $166 | |
| Liability only | $47 | $54 | $59 | $96 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Alabama Car Insurance Prices
In Alabama, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, ask for a new quote before your policy renews. A better credit history can lead to a lower bill.
Finding the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Alabama’s Minimums Can Leave You Paying Out of Pocket
When You Damage Someone’s Property
Many vehicles on Alabama roads cost more than $25,000 to repair. If your limit runs out, the rest of the bill can become your responsibility.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
About one in five Alabama drivers is uninsured. Coverage for injuries and damage to your own car can help when the other driver cannot pay.
What Shapes Alabama Rates
Alabama uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Tornadoes, heavy rain, and occasional coastal storms can damage parked cars and lead to claims across the state.
Traffic along I-65 and in metro areas like Birmingham, Huntsville, and Mobile raises the chance of minor crashes and repair costs.
How Alabama Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you park under a carport or in a garage, let your insurer know. Protected parking can lower the chance of storm damage claims.
What to Do After Buying a Car in Alabama
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through your county license office. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Alabama Best Car Insurance
Find Alabama best local insurers by metro areas, and online, based on community recommendations
Huntsville, Birmingham, Montgomery, Mobile, Tuscaloosa, Hoover, Auburn, Dothan, Madison, Decatur, Florence, Prattville
Huntsville Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Huntsville’s area are Rocket City Insurance Group, Tyler Ross, agent, Alfa Insurance and Cranston Holden, agent, Goosehead Insurance.
Rocket City Insurance Group (89% Recommend)
- Rocket City leads the table with a 4.9 Support & Guidance rating and ties for the highest Easy Application score at 4.8.
- Customer feedback points to quick answers, thorough coverage help, and strong local service for people comparing auto insurance options.
Tyler Ross, agent, Alfa Insurance (89% Recommend)
- Tyler Ross ties Rocket City at 89% Recommend, with a 4.8 Support & Guidance rating and the strongest Terms & Premium Satisfaction among the top 3 at 4.8.
- Customer feedback and referral-driven agency signals support strong confidence in service, price satisfaction, and local relationship strength.
Cranston Holden, agent, Goosehead Insurance (88% Recommend)
- Cranston Holden ranks third with a 4.7 Easy Application rating and a 4.8 Support & Guidance rating, matching Tyler Ross on support.
- Customer feedback highlights easy transitions, savings, quick quote help, and availability when drivers need coverage questions answered.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Rocket City Insurance Group | Agency | 4.8 | 4.7 | 4.9 | 89% |
| Tyler Ross, agent, Alfa Insurance | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Cranston Holden, agent, Goosehead Insurance | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Tony Hodge, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 87% |
| Alex Adams Jr., agent, Allstate | Insurer | 4.5 | 4.4 | 4.7 | 86% |
| Jason Zarrilli, agent, GEICO | Insurer | 4.7 | 4.5 | 4.5 | 85% |
| Bo Cochran, agent, Allstate | Insurer | 4.4 | 4.2 | 4.5 | 84% |
| Regina Knox, agent, Alfa Insurance | Insurer | 4.4 | 4.5 | 4.5 | 84% |
| Shon Henry, agent, State Farm | Insurer | 4.5 | 4.3 | 4.4 | 83% |
| Sonny Batchelor, agent, State Farm | Insurer | 4.4 | 4.3 | 4.4 | 83% |
| Brian Bellomy, agent, State Farm | Insurer | 4.4 | 4.3 | 4.4 | 83% |
| Direct Auto Insurance | Insurer | 4.4 | 4.2 | 4.2 | 81% |
| Freeway Insurance | Agency | 4.3 | 4.2 | 4.3 | 81% |
| Progressive | Insurer | 4.6 | 4.1 | 4.0 | 80% |
| USAA | Insurer | 4.6 | 4.7 | 4.5 | 80% |
Birmingham Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Birmingham’s area are Collins Insurance Agency, Nick Bosse, agent, Goosehead Insurance and Will H. Battle, agent, Goosehead Insurance.
Collins Insurance Agency (90% Recommend)
- Collins ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback points to knowledgeable guidance, better coverage comparisons, savings, and strong local help for Birmingham-area auto insurance shoppers.
Nick Bosse, agent, Goosehead Insurance (89% Recommend)
- Nick Bosse ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback highlights easy quote help, strong coverage guidance, and finding good value for auto and bundled policies.
Will H. Battle, agent, Goosehead Insurance (88% Recommend)
- Will H. Battle ranks third with a 4.7 Easy Application rating and a 4.8 Support & Guidance rating, matching Nick Bosse on support.
- Customer feedback points to clear explanations, timely quote help, and making the car insurance process feel easier and more affordable.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Collins Insurance Agency | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Nick Bosse, agent, Goosehead Insurance | Agency | 4.8 | 4.7 | 4.8 | 89% |
| Will H. Battle, agent, Goosehead Insurance | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Tyler Baxter, agent, Allstate | Insurer | 4.7 | 4.5 | 4.7 | 87% |
| Dan Carlisle, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 87% |
| Burns Mitchell Agency, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Rhonda Evans, agent, GEICO | Insurer | 4.7 | 4.5 | 4.5 | 85% |
| Kevin Gladney, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Jason Gardner, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Chase Price, agent, Allstate | Insurer | 4.5 | 4.4 | 4.5 | 84% |
| Briggs Insurance Agency | Agency | 4.5 | 4.4 | 4.6 | 84% |
| Christopher Gordon, agent, Alfa Insurance | Insurer | 4.5 | 4.5 | 4.5 | 83% |
| Philip Bailey, agent, Alfa Insurance | Insurer | 4.4 | 4.5 | 4.5 | 83% |
| New Beginnings Insurance Group, Allstate | Insurer | 4.4 | 4.3 | 4.5 | 82% |
| Direct Auto Insurance | Insurer | 4.4 | 4.2 | 4.2 | 80% |
Montgomery Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Montgomery’s area are Robinson Bryant Agency, Norris Insurance Group, Allstate and The Mitchell Agency LLC.
Robinson Bryant Agency (90% Recommend)
- Robinson Bryant leads the table with a 4.9 Support & Guidance rating and ties for the top Terms & Premium Satisfaction score at 4.8.
- Customer feedback points to professional service, clear explanations, strong rate help, and patient guidance when choosing full-coverage auto insurance.
Norris Insurance Group, Allstate (89% Recommend)
- Norris Insurance Group ranks second with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing it close to Robinson Bryant on both service and ease.
- Customer feedback highlights helpful, friendly staff and responsive support for questions, changes, and ongoing policy needs.
The Mitchell Agency LLC (88% Recommend)
- The Mitchell Agency ranks third with a 4.8 Support & Guidance rating and a 4.8 Easy Application score, the highest Easy Application score among the top 3.
- Customer feedback and agency signals point to useful quote comparison, local guidance, and a smoother process for shoppers comparing auto insurance options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Robinson Bryant Agency | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Norris Insurance Group, Allstate | Insurer | 4.7 | 4.6 | 4.8 | 89% |
| The Mitchell Agency LLC | Agency | 4.8 | 4.6 | 4.8 | 88% |
| Adrianne Dugan, agent, Allstate | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Jessica Majors, agent, State Farm | Insurer | 4.6 | 4.5 | 4.8 | 87% |
| Alfa Agency Inc. | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Courtney Combs, agent, State Farm | Insurer | 4.7 | 4.4 | 4.6 | 85% |
| Jerry Porter, agent, Allstate | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Shane Anderson, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 84% |
| Ken Bishop III, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Quianna Walton, agent, Farmers Insurance | Insurer | 4.5 | 4.3 | 4.5 | 83% |
| Dwayne Farrior, agent, Farmers Insurance | Insurer | 4.5 | 4.3 | 4.5 | 83% |
| Direct Auto Insurance | Insurer | 4.5 | 4.2 | 4.3 | 82% |
| Mims Insurance Agency Inc. | Agency | 4.3 | 4.3 | 4.5 | 81% |
| Venita Turner, agent, Farmers Insurance | Insurer | 4.4 | 4.2 | 4.4 | 81% |
Mobile Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Mobile’s area are The Horn Agency, Schneider Insurance Agency and Southern Insurance Pros.
The Horn Agency (91% Recommend)
- The Horn Agency ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined service-and-premium profile among the top 3.
- Customer feedback points to knowledgeable help, easy applications, broad coverage options, and strong local guidance for Mobile-area auto insurance shoppers.
Schneider Insurance Agency (90% Recommend)
- Schneider Insurance Agency ranks second with a 4.9 Support & Guidance rating, matching The Horn Agency for the highest support score among the top 3.
- Customer feedback highlights thorough answers, fast service, good coverage options, and help finding strong value for insurance needs.
Southern Insurance Pros (89% Recommend)
- Southern Insurance Pros ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing it close to Schneider on both service and ease.
- Customer feedback points to dependable local support, clear coverage help, and strong personal service for auto, renters, and related insurance needs.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The Horn Agency | Agency | 4.8 | 4.8 | 4.9 | 91% |
| Schneider Insurance Agency | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Southern Insurance Pros | Agency | 4.7 | 4.7 | 4.8 | 89% |
| Tessa C. Wiggins, agent, Goosehead Insurance | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Ginger Copeland, agent, Comparion Insurance | Agency | 4.6 | 4.7 | 4.8 | 88% |
| Direct Auto Insurance | Insurer | 4.7 | 4.6 | 4.6 | 87% |
| Betsy McArn, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Daniel Cottrell, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Rachael Kidd, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Jeremy Kilpatrick, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Brian Lancaster, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Freeway Insurance | Agency | 4.5 | 4.3 | 4.5 | 83% |
| Morris Insurance Agency | Agency | 4.4 | 4.4 | 4.5 | 83% |
| Travis Everette, agent, Allstate | Insurer | 4.4 | 4.3 | 4.5 | 82% |
| Portal Insurance | Agency | 4.4 | 4.3 | 4.5 | 82% |
Tuscaloosa Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Tuscaloosa’s area are Baldo-Downs Insurance, Michael McComb, agent, Allstate and The Insurance Center.
Baldo-Downs Insurance (90% Recommend)
- Baldo-Downs ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined service-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong local guidance, carrier options, and help comparing coverage value for Tuscaloosa-area drivers.
Michael McComb, agent, Allstate (89% Recommend)
- Michael McComb ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to courteous, knowledgeable help, quick responses, and dependable local support when customers have policy questions.
The Insurance Center (88% Recommend)
- The Insurance Center ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing it close to Baldo-Downs on service and value.
- Customer feedback and agency signals support strong guidance, clear coverage explanations, and helpful local service for auto insurance shoppers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Baldo-Downs Insurance | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Michael McComb, agent, Allstate | Insurer | 4.8 | 4.7 | 4.8 | 89% |
| The Insurance Center | Agency | 4.7 | 4.7 | 4.8 | 88% |
| Frank Bonner, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Michael McGuire, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 87% |
| Terry Insurance Group | Agency | 4.7 | 4.7 | 4.7 | 87% |
| Pam Marbut, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| David Cureington, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Chad Watts, agent, Allstate | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Steven Fikes, agent, Allstate | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Paul Adams, agent, Allstate | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Michele Coley, agent, Allstate | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Bo Quinnie, agent, State Farm | Insurer | 4.5 | 4.3 | 4.5 | 83% |
| Alfa Insurance | Insurer | 4.4 | 4.5 | 4.5 | 83% |
| Direct Auto Insurance | Insurer | 4.4 | 4.2 | 4.3 | 81% |
Hoover Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Hoover’s area are Steel City Insurance, Collins Insurance Agency and Robb Aleman, agent, Goosehead Insurance.
Steel City Insurance (90% Recommend)
- Steel City ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to clear comparison help, multiple carrier options, and strong local guidance for Hoover-area drivers.
Collins Insurance Agency (89% Recommend)
- Collins ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to friendly service, easier coverage decisions, savings, and better coverage outcomes for auto insurance shoppers.
Robb Aleman, agent, Goosehead Insurance (88% Recommend)
- Robb Aleman ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing him close to Collins on both service and ease.
- Customer feedback and agency signals support strong quote comparison, customized coverage guidance, and help finding competitive car insurance options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Steel City Insurance | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Collins Insurance Agency | Agency | 4.8 | 4.7 | 4.8 | 89% |
| Robb Aleman, agent, Goosehead Insurance | Agency | 4.7 | 4.6 | 4.8 | 88% |
| John Carlton, agent, Allstate | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| James Anthony, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Kurt Adams, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Tyler Watts & Associates | Agency | 4.5 | 4.5 | 4.6 | 85% |
| Ben Franklin, agent, Alfa Insurance | Insurer | 4.5 | 4.6 | 4.5 | 84% |
| Comparion Insurance Agency | Agency | 4.5 | 4.4 | 4.6 | 84% |
| Kevin Gladney, agent, State Farm | Insurer | 4.5 | 4.4 | 4.5 | 83% |
Auburn Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Auburn’s area are Greg Parrish, agent, Alfa Insurance, Insurance Solutions Group and Scott Holley, agent, State Farm.
Greg Parrish, agent, Alfa Insurance (89% Recommend)
- Greg Parrish ranks first with a 4.8 Terms & Premium Satisfaction rating and a 4.8 Support & Guidance rating, the strongest combined value-and-service profile among the top 3.
- Customer feedback and local agency signals point to strong Auburn-area knowledge, clear coverage help, and dependable support for auto insurance shoppers.
Insurance Solutions Group (88% Recommend)
- Insurance Solutions Group ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.7.
- Customer feedback and agency signals support strong quote comparison, multiple carrier options, and useful guidance for drivers comparing coverage choices.
Scott Holley, agent, State Farm (87% Recommend)
- Scott Holley ranks third with a 4.7 Easy Application rating and a 4.7 Support & Guidance rating, placing close to Insurance Solutions Group on both ease and support.
- Customer feedback and local agent signals point to practical coverage guidance, responsive service, and helpful support for Auburn and nearby-area drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Greg Parrish, agent, Alfa Insurance | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Insurance Solutions Group | Agency | 4.7 | 4.7 | 4.8 | 88% |
| Scott Holley, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Richard Tate Agency, Allstate | Insurer | 4.7 | 4.5 | 4.7 | 87% |
| Kali Chadick, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Matthew Slaughter, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Joe Stokes, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Harry Tuten III, agent, Allstate | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Tri County Insurance – Auburn Office | Agency | 4.5 | 4.4 | 4.5 | 83% |
| The Brown Insurance Group | Agency | 4.4 | 4.4 | 4.5 | 83% |
Dothan Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Dothan’s area are Southeast Insurance Group, Aaron Insurance Agency and Dustin Champion, agent, State Farm.
Southeast Insurance Group (90% Recommend)
- Southeast Insurance Group ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong local guidance, car insurance experience, and helpful coverage comparison for Dothan-area drivers.
Aaron Insurance Agency (89% Recommend)
- Aaron Insurance Agency ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and agency signals support easy quote requests, practical auto insurance help, and local service for shoppers comparing coverage options.
Dustin Champion, agent, State Farm (88% Recommend)
- Dustin Champion ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Aaron Insurance Agency on support and value.
- Customer feedback points to patient explanations, responsive help, and dependable local guidance for drivers working through auto insurance choices.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Southeast Insurance Group | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Aaron Insurance Agency | Agency | 4.8 | 4.7 | 4.8 | 89% |
| Dustin Champion, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Brian Davidson, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Pam Martin, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 87% |
| Brian Jones, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Krissie Siniard, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Insurance Center of the Southeast | Agency | 4.5 | 4.5 | 4.6 | 85% |
| The Baxter Agency | Agency | 4.5 | 4.4 | 4.6 | 84% |
| Flowers Insurance Agency | Agency | 4.4 | 4.4 | 4.5 | 83% |
Madison Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Madison’s area are River Valley Insurance Group, Wiley Insurance Agency Inc. and David Perkins, agent, State Farm.
River Valley Insurance Group (90% Recommend)
- River Valley Insurance Group ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-guidance profile among the top 3.
- Customer feedback and agency signals point to prompt local service, easy online quote starts, and personalized help comparing auto insurance choices.
Wiley Insurance Agency Inc. (89% Recommend)
- Wiley Insurance Agency ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing it close to River Valley on support and value.
- Customer feedback and agency signals support strong carrier comparison, long-running local service, and guidance for drivers choosing between coverage options.
David Perkins, agent, State Farm (88% Recommend)
- David Perkins ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Wiley on support and staying close to River Valley on ease.
- Customer feedback and local agent signals point to personable service, professional help, and clear auto insurance support for Madison-area drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| River Valley Insurance Group | Agency | 4.8 | 4.7 | 4.9 | 90% |
| Wiley Insurance Agency Inc. | Agency | 4.7 | 4.7 | 4.8 | 89% |
| David Perkins, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Brian Wiggins, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Becky L. Gordon, agent, Allstate | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Tim Barron, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Amanda Suciu, agent, State Farm | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Wendy Burpee, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Dave Henry Insurance | Agency | 4.5 | 4.4 | 4.5 | 83% |
| Oglesby & Associates & Financial Services Inc. | Agency | 4.4 | 4.4 | 4.5 | 83% |
Decatur Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Decatur’s area are Stovall-Marks Insurance, Wendy Hall, agent, Allstate and Jason Palmer, agent, State Farm.
Stovall-Marks Insurance (90% Recommend)
- Stovall-Marks ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong local experience, multiple carrier options, and helpful auto insurance comparison for Decatur-area drivers.
Wendy Hall, agent, Allstate (89% Recommend)
- Wendy Hall ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback points to positive local service, responsive help, and a smooth experience for drivers managing their auto insurance needs.
Jason Palmer, agent, State Farm (88% Recommend)
- Jason Palmer ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Stovall-Marks on support and value.
- Customer feedback and local agent signals support clear coverage guidance, dependable service, and helpful car insurance support for Decatur drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Stovall-Marks Insurance | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Wendy Hall, agent, Allstate | Insurer | 4.8 | 4.7 | 4.8 | 89% |
| Jason Palmer, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Patrick Johnson, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Trevor Butcher, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 87% |
| Cassidy Chandler, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Wil Rose, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Wayne Young, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| King Insurance Agency | Agency | 4.5 | 4.4 | 4.6 | 84% |
| Freeway Insurance | Agency | 4.5 | 4.3 | 4.4 | 82% |
Florence Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Florence’s area are Sam Newton Insurance, Henninger, Johnson & Layton Insurance and Grier Insurance Agency.
Sam Newton Insurance (90% Recommend)
- Sam Newton Insurance ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to personalized service, competitive rate shopping, and useful help comparing auto insurance options around Florence.
Henninger, Johnson & Layton Insurance (89% Recommend)
- Henninger, Johnson & Layton ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and agency signals support strong local guidance, broad coverage help, and a smooth process for drivers comparing car insurance choices.
Grier Insurance Agency (88% Recommend)
- Grier Insurance Agency ranks third with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing it close to Henninger, Johnson & Layton on support and value.
- Customer feedback and agency signals point to helpful local service, clear coverage explanations, and dependable support for Florence-area drivers.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sam Newton Insurance | Agency | 4.7 | 4.8 | 4.9 | 90% |
| Henninger, Johnson & Layton Insurance | Agency | 4.8 | 4.7 | 4.8 | 89% |
| Grier Insurance Agency | Agency | 4.7 | 4.7 | 4.8 | 88% |
| Hicks & Associates, Inc. | Agency | 4.7 | 4.6 | 4.8 | 88% |
| Michael Bange, agent, Allstate | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Frank Dean, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Brad Tank, agent, Allstate | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Direct Auto Insurance | Insurer | 4.5 | 4.3 | 4.4 | 82% |
Prattville Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Prattville’s area are Strock Agency, Lynn Norris, agent, Allstate and Cornelius Insurance Agency Inc.
Strock Agency (89% Recommend)
- Strock Agency ranks first with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback and agency signals point to strong local help, car insurance experience, and practical coverage comparison for Prattville-area drivers.
Lynn Norris, agent, Allstate (88% Recommend)
- Lynn Norris ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.7.
- Customer feedback and local agent signals support helpful coverage explanations, responsive service, and a smooth process for getting a car insurance quote.
Cornelius Insurance Agency Inc. (87% Recommend)
- Cornelius Insurance Agency ranks third with a 4.7 Support & Guidance rating and a 4.7 Easy Application score, placing close to Lynn Norris on ease and support.
- Customer feedback and agency signals point to useful local guidance, auto insurance availability, and helpful support for drivers comparing coverage options.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Strock Agency | Agency | 4.7 | 4.8 | 4.8 | 89% |
| Lynn Norris, agent, Allstate | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Cornelius Insurance Agency Inc. | Agency | 4.7 | 4.6 | 4.7 | 87% |
| Tom Barnard, agent, State Farm | Insurer | 4.7 | 4.5 | 4.7 | 87% |
| Trey Poole, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Alan Taylor, agent, Farmers Insurance | Insurer | 4.6 | 4.4 | 4.6 | 85% |
| Direct Auto Insurance | Insurer | 4.5 | 4.3 | 4.4 | 82% |
| Freeway Insurance | Agency | 4.4 | 4.3 | 4.4 | 81% |
End Note
Meeting the legal minimum keeps you driving, but uninsured drivers, newer vehicles, and severe weather can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost on Alabama roads, not just what the law requires.