Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Alabama

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Alabama Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2811Reviewed

1693Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Montgomery

Expertise.com Rating

Review Sources

Google
4.5 (48)

Why choose this provider?

AIA Insurance Agency provides a wide range of policies and insurance solutions for individuals and businesses based in Alabama. It is a full-service company that comprises a team of independent agents who analyzes client's records to determine which insurance plan best fits their needs and unique situations. They have car insurance plans that cover vehicle repairs, lawsuits, and property damages caused by accidents. In addition, they have life, business, mobile home, general liability, worker's compensation, and property bond insurance plans.

Huntsville

Expertise.com Rating

Review Sources

Google
4.8 (201)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Rocket City Insurance Group provides risk management solutions to residents in Alabama. The independent agency offers car insurance plans, which reimburse losses in the event of collision, theft, vandalism, and fire. Its team also writes policies that cover drivers' liabilities and accidents caused by uninsured motorists. The insurance professionals review and compare plans from multiple carriers, including Chubb, Hagerty, and Encompass, allowing them to find cheap coverage plans for clients. They are also licensed to insure individuals and businesses in Mississippi, Texas, Tennessee, and Louisiana.

Columbiana

Expertise.com Rating

Review Sources

Google
5.0 (143)
Facebook
4.9 (127)

Why choose this provider?

The Rinehart Insurance Agency is a full-service brokerage that assists individuals and businesses in Alabama. It provides the cheapest car insurance policies that cover clients' liability in the event that they injure others. Its risk management professionals also furnish auto protection plans that reimburse losses in cases of theft and accidents. With an aim to find policies that best suit clients' needs, they review plans from numerous providers, including Progressive, Auto-Owners, and Safeco Insurance. Mobile home, boat, and ATV insurance are the agency's other products.

Mobile

Expertise.com Rating

Review Sources

Google
4.5 (28)
Facebook
5.0 (18)

Why choose this provider?

Established in 1998, Bailey Agency Inc. protects individuals, families, and businesses in Alabama. With access to policies from a number of insurance providers, it offers several products, including auto insurance. Its team furnishes plans that cover personal liability, towing, medical payments, and car rentals. The agents also review and update clients' existing car insurance policies. Progressive, Nationwide, National General, and Travelers are some of Bailey Agency's partner insurance providers. Its other products include boat, recreational vehicle, and home insurance.

Mobile

Expertise.com Rating

Review Sources

Facebook
4.7 (17)
Google
4.4 (9)
Yelp
5.0 (1)

Why choose this provider?

AlaCoast Insurance Agency is an independent risk management company that serves Alabama. Equipped with over three decades of industry experience, it offers a number of products, including car insurance. Its team writes policies that cover drivers' legal responsibility in case they injure others and reimburse losses from damaged and stolen cars. The agents have access to plans from multiple carriers such as National General and Progressive, allowing them to find coverages that best meet clients' needs.

Huntsville

Expertise.com Rating

Review Sources

Google
4.8 (54)
Facebook
4.8 (23)
Yelp
3.0 (2)

Why choose this provider?

River Tree Insurance is a risk management specialist that assists individuals and businesses in Alabama. Its agents write car insurance policies that include comprehensive coverage, which helps pay for losses in cases of vandalism, theft, fire, and flood. They also furnish protection plans that cover commercial cars, boats, off-road and recreational vehicles, and motorcycles. They review and compare policies from a broad range of providers, including Auto-Owners, Berkshire Hathaway, The Hartford, MetLife, and Liberty Mutual.

Tuscaloosa

Expertise.com Rating

Review Sources

Google
4.8 (6)

Why choose this provider?

Pritchett-Moore Insurance is an independent agency in Alabama that provides a wide range of insurance solutions for individuals, families, and businesses. It comprises a team of insurance specialists which offers business auto policies that cover non-owned, owned, and leased automobiles for third-party liability. Other products available include commercial property, homeowners', workers' compensation, commercial general liability, and flood insurance plans. Thomas W. Moore, Pritchett-Moore Insurance's former president and Certified Insurance Counselor, has been in the insurance industry for more than four decades.

Tuscaloosa

Expertise.com Rating

Review Sources

Google
4.4 (16)

Why choose this provider?

The Insurance Center is an independent agency that has been serving the auto insurance needs of vehicle owners in Alabama since 1957. The firm's insurance agents assist in designing an auto insurance plan that meets clients' needs and budget preferences. They provide auto plans to protect clients financially from property damage, bodily injury liability, rental car, roadside assistance, and uninsured motorists. Additional products are flood, recreational vehicle, workers' compensation, and general liability insurance plans.

Bessemer

Expertise.com Rating

Review Sources

Google
4.7 (209)
Facebook
4.0 (12)

Why choose this provider?

Corkren Insurance is a local business that offers auto insurance plans for clients based in Alabama. It represents a wide range of carriers, such as Allstate, AmTrust Financial, Bold Penguin, Liberty Mutual, and American National. Its agents provide auto insurance policies that give clients financial protection for losses and damages caused by a car accident. Its protection plans also include property, liability, and medical coverage. The agency's additional products are boat, condominium, homeowners', mobile home, personal umbrella, and SR-22 insurance.

Birmingham

Expertise.com Rating

Review Sources

Google
4.4 (99)

Why choose this provider?

PAC Insurance Agency, Inc. - Roebuck provides protection plans for individuals, families, and businesses throughout the state of Alabama. Its team of agents offers auto insurance policies that protect car owners from financial losses if they get involved in accidents. The plan helps pay for vehicle repairs and reimburses rehabilitation costs and lost wages. In addition, it covers legal obligations to others in the event of personal harm or property damage. The professionals also insure homes, recreational vehicles, motorcycles, and boats.

Columbus

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (12)

Why choose this provider?

Ragan Insurance Agency Inc. Columbus is an independent firm that provides solutions for the insurance needs of clients throughout the state of Alabama. Its insurance advisors help evaluate coverages and pricing from numerous insurance carriers, saving client's time and aggravation. They offer car insurance plans that protect policyholders in case of accidents. Its plans cover bodily injury liability, property damage, and uninsured and underinsured liability. Life, condo, specialty dwelling, boat and watercraft, flood, and high-net-worth insurance products are also available.

Montgomery

Expertise.com Rating

Review Sources

Google
4.8 (5)
Yelp
5.0 (2)

Why choose this provider?

Founded in 1990, The Owen Insurance Agency of Montgomery, Inc., is an independent risk management firm that serves Alabama. Its agents create auto insurance plans that cover property damage resulting from collision and theft. They also write custom policies that may include road trouble service and additional living expenses coverage. In addition, the risk management professionals represent over 12 insurance providers and offer protection plans for home, business, and pet owners. Collectively, they have more than 60 years of industry experience.

Huntsville

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Burkett & Associates Insurance Agency, Inc., helps shop auto insurance policies from numerous reputable firms to find the best protection for clients' specific needs throughout the Alabama area. Its independent insurance agents offer auto insurance policies that deliver adequate financial protection if accidents happen. Its auto insurance plan coverage includes bodily injury liability, vehicle repairs, comprehensive and collisions, medical payments, and uninsured or underinsured motorists. The agency also provides specialized insurance for auto repair shops, building contractors, restaurants, and apartment building owners.

Columbus

Expertise.com Rating

Why choose this provider?

Culpepper Insurance Agency Inc. is an independent firm that educates the communities in Alabama about the its cheapest insurance solutions available. Its insurance specialists help select the right insurance plans that fit clients' unique needs. They represent reputable insurance carriers and offer auto insurance plans with coverage options, such as collision and comprehensive, liability, medical payments, personal injury protection, and uninsured and underinsured motorists. They also offer mobile home, homeowners', individual life, general liability, workers' compensation, and special event insurance policies.

Tuscaloosa

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (6)

Why choose this provider?

Baldo-Downs Insurance, LLC, is an independent agency that offers risk management solutions for individuals and businesses in Alabama. Included in its product range is auto insurance, which includes liability and collision coverage. Its team customizes policies according to drivers' age, kinds of vehicles covered, and amount of coverage. The agents also furnish insurance plans that protect business owners' commercial vehicles, farms, and equipment, in addition to homeowners' personal belongings and dwelling places. Baldo-Downs Insurance has been in service since 1981.

Tuscaloosa

Expertise.com Rating

Review Sources

Google
4.7 (29)
Facebook
5.0 (22)

Why choose this provider?

Amy Corbin is an insurance agent in Alabama who is affiliated with State Farm. Together with her team, she provides the best car insurance policies, which reimburse losses resulting from theft and collision in addition to covering policyholders' personal liability. She also furnishes protection plans for Lyft and Uber drivers. Corbin has been protecting individuals and businesses for more than 15 years. In 2005 and 2006, she received the Tuscaloosa Association of Insurance and Financial Advisors Underwriter of the Year Award.

Huntsville

Expertise.com Rating

Review Sources

Google
4.9 (73)
Facebook
5.0 (15)

Why choose this provider?

Jon Peters Insurance is an independent agency in Alabama that provides auto insurance plans for vehicle owners. Its insurance agents offer auto insurance plans that protect the policyholder financially in case of an accident. Some car insurance plans have liability, collision, uninsured or underinsured motorist, and comprehensive coverage. Business, home, and recreational vehicle insurance plans are also available. The agency's main agent, Jon Peters, has been in the insurance industry for more than two decades.

Mobile

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (4)

Why choose this provider?

Coastal Insurance Group is a multi-line agency that serves Alabama. The independent company offers car insurance plans, covering drivers who own multiple vehicles and commercial automobiles. It also furnishes policies for boat owners and renters, in addition to investors who own commercial buildings. Safeco Insurance, Neptune, and Lloyd's of London are some of its partner insurance providers. Its co-founding partner, Kurt Wielkens, has been working in the industry since 1996. Each Coastal Insurance Group's team member has at least a decade of experience.

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.