Automobile Premium Comparisons


The Alabama Department of Insurance offers consumers the opportunity to compare automobile premiums of insurance companies. The information provided is for comparison purposes only. Even though these are real premiums, premiums vary considerably depending on the circumstances such as your driving record, credit score, miles driven, type of car, policy limits, etc.

Please read the examples below and select the one that best fits your circumstances by clicking on the "Compare Premiums" link in the appropriate section.

Note: The listing of an insurance company on this site does not constitute an endorsement by the Office of the Governor or the Alabama Department of Insurance. The premiums provided here do not include surcharges or discounts that may apply to a particular policy. Actual premiums may vary.

Example 1

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Six-month premium for principal operator being a single male, age 18, 1 minor driving violation, drives to work 30 miles roundtrip, 15,000 miles annually, non-student, thin file credit score, new business, premium paid monthly, not a homeowner, lives with parents and no multi-policy discount.
He drives 2010 Chevy Silverado 1500 Extended Cab 2WD.

Liability Coverage includes 25/50/25 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $1000. Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.

Example 2

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Six-month premium for principal operator being a single female, age 18, 1 minor driving violation, drives to work 30 miles roundtrip, 15,000 miles annually, non-student, thin file credit score, new business, premium paid monthly, not a homeowner, lives with parents and no multi-policy discount.
She drives 2010 Nissan Maxima S/SV 4DR.

Liability Coverage includes 25/50/25 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $1000. Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.

Example 3

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Six-month premium for principal operator being a single male, age 25, 1 minor driving violation, drives to work 30 miles roundtrip, 15,000 miles annually, non-student, 600 credit score, new business, premium paid monthly, not a homeowner, lives alone and no multi-policy discount.
He drives 2010 Chevy Silverado 1500 Extended Cab 2wd.

Liability Coverage includes 25/50/25 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $1000. Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.

Example 4

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Six-month premium for principal operator being a single female, age 25, 1 minor driving violation, drives to work 30 miles roundtrip, 15,000 miles annually, credit score - 600, new business, premium paid monthly, not a homeowner, lives alone and no multi-policy discount.
She drives 2010 Nissan Maxima S/SV 4DR.

Liability Coverage includes 25/50/25 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $1000. Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.

Example 5

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Six-month premium for two principal operators, a married male, age 30 driving 7 miles to work and 15,000 miles annually. A married female, age 29 with 1 minor violation driving 4 miles to work and 12,000 annually. Their credit scores are - 750 and 725 respectively. The policy is new business with prior coverage. Premium paid EFT, homeowners and multi-car discount.
He drives 2012 Ford F-250 Super Duty Crew Cab/4DR 4WD.
She drives 2010  Nissan Maxima S/SV 4DR.

Liability Coverage includes 100/300/50 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $5000 . Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.

Example 6

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Six-month premium for two principal operators, a married male, age 62, driving 10,000 miles annually. A married female, age 57 driving 5,000 annually. Neither drives to work or have violations. Their credit scores are - 850 and 820 respectively. The policy is new business with prior coverage. Premium paid EFT, homeowners and multi-car discount.
He drives 2012 Ford F-250 Super Duty Crew Cab/4DR 4WD.
She drives 2010 Nissan Maxima S/SV 4DR.

Liability Coverage includes 100/300/50 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $5000 . Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.

Example 7

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Six-month premium for principal operator being a single male, age 48 driving 30 miles to work, 15,000 miles annually. His 16 year old daughter is an occasional operator. She has no violations and is a good student. The father's credit score is 850, new business with prior coverage. Premium paid monthly, not a homeowner and no multi-car discount.
He drives 2012 Chevy Tahoe LS 4DR/2WD.

Liability Coverage includes 25/50/25 limits. Uninsured Motor Vehicle Bodily Injury 25/50. Medical Payments coverage $1000. Physical damage coverage includes $250 Comprehensive and $500 Collision deductibles.