Best Insurance Companies in Alabama 2022

November 17, 2021by Grace0
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Have you been wondering about the best car, business, homeowners, and health insurance companies in Alabama? 

If yes, wonder no more, you just clicked the right article for the right information you need.

Interestingly we would be looking at some of the best car, business, homeowners and health insurance companies in Alabama.

Furthermore, you will get to know the best insurance companies to work for in Alabama. 

Diligently read this article to the very end and get answers to your unanswered questions.

To be insured gives you a sense of protection and a feeling of security when adverse times break forth.

Insurance also helps you reduce cost and save up, and you certainly do not have to carry your burdens alone.

This article will be based on customer satisfaction reviews, J.D power ratings, A.M financial strength analysis and coverage options.

In addition, below are other related articles on insurance companies in other states in the USA such as Ohio.

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4 Best Car insurance companies in Alabama.

Getting the best car insurance for you will depend mostly on different factors including your individual needs.

However, getting car insurance is a worthwhile feat for car owners and drivers in Alabama.

This is because by law all drivers in Alabama are required to have a certain amount of minimum liability car insurance as typical in the U.S.

Nevertheless, it is better for drivers with high-liability potentials to purchase more coverage than required by Law.

If you often drive long distances or make night journeys then you should probably consider getting more coverage.

Below are four good car insurance companies you can get insurance from in Alabama:

#1. State Farm

State Farm is one of the best car insurance companies in Alabama.

It is known to offer a 24/7 customer helpline and quality customer service to its customers.

State Farms average annual full coverage is $153 cheaper than Alabama’s average.

For minimum liability coverage State Farm is considered the Cheapest insurer. 

Furthermore, drivers who have received one speeding ticket may consider State Farm as the cheapest option for full coverage.

However, State Farm offers fewer specialized coverage options than other insurance companies.

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#2. Geico

This is another good car insurance company that operates in Alabama.

Geico stands out for its low rates and extensive discounts. They offer discounts to good drivers, multi-policy holders, students, and military service members. 

Their discounts are also available to over 800 professionals and Alumni groups.

Geico can also become the cheapest car insurance company for young drivers. 

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#3. Farmers

Farmers is a good car insurance company that offers a wide range of coverage options.

Some of these coverage options include accident forgiveness, new car replacement, loss of use and rideshare insurance.

Furthermore based on research Farmers average annual full coverage is $191 cheaper than the state average.

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#4. Progressive.

Progressive has incentive programs such as Snapshot. This enables your driving to be tracked through telematics. 

And through this you can get discounts if you maintain safe driving habits. 

Furthermore this company’s  average full coverage car insurance comes $50 cheaper than the state average.

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4 Best Homeowners insurance companies in Alabama.

There are certain common disasters that could affect homes in Alabama, they include floods, hurricanes, storms and tornadoes.

Nationally, Alabama is on the 16th rank of single family homes that are at risk of being destroyed by a category five hurricane. 

This is based on the data gotten from the Insurance Information Institute (Triple-I).

This makes obtaining homeowners insurance in Alabama of great importance.

Below is a list of four top homeowners insurance companies in Alabama based on customer satisfaction, coverage options and average rates.

#1. Allstate

Allstate is a well known insurance company that offers different variations of policy discounts that can enable you to save money.

It offers unique features such as yard and garden coverage. 

This offers more financial protection for riding lawn mower losses and covered landscaping.

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#2. Alabama Farmers Federation (Alfa).

Are you an Alabama homeowner who is really interested in supporting your local agricultural community? 

Then Alfa insurance company could be a great option for you.

Besides, with Alfa you can also bundle your home and auto insurance and become eligible for a policy discount.

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#3. Auto-Owners

Auto-Owners is known to have standard home insurance coverage options also they offer some special coverage types for high value homes.

If your policy doesn’t fully satisfy the cost of repair or replacement to your home. 

You don’t have to worry much. 

Auto-Owners has an increased cost endorsement available that offers up to additional 25% of your coverage cost.

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#4. Centauri

Centauri may be a great option for you if you are searching for a more centralized home insurance company. 

They offer coverages such as protections for other structures like sheds or garages. 

Centauri also offers additional living expenses during repairs and equipment breakdown insurance.

In addition, they have well experienced agents for storm weather situations.

However, Centauri only operates within nine states, mainly along the Southeast region.

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Best Insurance Companies in Alabama 2022
Best Insurance Companies in Alabama 2022

4 Health insurance Companies in Alabama.

Every human being should make good health a priority.  Without good health life cannot be fully enjoyed.

However, illness and accidents are unwanted and unpleasant events that occur when we least expect.

Hence every human should endeavor to get health Insurance within their neighborhood.

Alabama has over 300 private Health insurance companies. 

These best homeowners insurance companies in Alabama provides a wide range of options for Alabama residents to choose from.

Although there are over 300 health companies in Alabama we will be looking at 4 top ones.

#1. Blue Cross Blue Shield Alabama.

Blue Cross Blue Shield Alabama is a nonprofit health insurance company established in 1936 in Birmingham, Alabama. 

Today it provides health coverage for over 3 million people in the U.S

This company commands more than 90% of the health insurance market in Alabama.

The company health plans are divided into three tiers; Gold, Silver and Bronze.

You can purchase health plans according to the amount of coverage you require and how much you can pay each month.

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#2.  Bright Health Insurance Company.

This is a good company that uses high tech technology and advanced tools to provide easier health insurance coverage plans.

They help you save money by offering $0 deductible health plan coverage options. 

Also, they offer many different health insurance plans.

Hence before choosing a health plan you should always consider how often you plan to use it and your healthcare budget.

Some of their insurance plans include;

  • Gold health insurance plan
  • Silver health insurance plan
  • Bronze health insurance plan
  • Catastrophic health insurance plan.

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#3. UnitedHealthcare Services Inc.

This is another healthcare company that offers good insurance plans to residents of Alabama.

They provide health insurance under four Divisions;

  • The UnitedHealthcare Employer and individual: This takes care of health benefit services and plans for national employers.
  • UnitedHealthcare Medicare and Retirement: This provides health services to people who are 65 years and above.
  • UnitedHealthcare Community and State: This division takes care of state programs that care for the medically underserved and economically disadvantaged. It also caters to people  without health insurance from their employer.
  • UnitedHealthcare Global: This division provides services for more than six million people, providing them with medical benefits.

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#4. ALL kids– Low Cost Insurance for Children.

ALL kids health insurance of Alabama is a thorough affordable insurance for people living in Alabama. 

They provide health insurance coverage plans to kids of 19 years and below.

This company has many benefits including immunization, vision and dental care, mental health, routine checkups etc.

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4 Business insurance companies in Alabama.

If you own a business in Alabama then surely you need business insurance.

Below are four business insurance providers in Alabama.

 #1. Hiscox

This company understands that every business is unique and different, therefore they provide customized business insurance to suit each business.

Hiscox provides business insurance mainly for small businesses in Alabama.

Some of there small business insurance products include;

  • General liability insurance
  • Professional liability insurance

Hiscox ensures you get the right coverage at the right price while giving you insurance based on your specific risk.

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#2. InsureOn

This company also insures small businesses in Alabama. They provide Business insurance policies such as

  • Workers’ compensation insurance
  • Commercial auto insurance
  • Cyber Liability insurance
  • General liability insurance
  • Professional liability insurance
  • Business owners policy.

InsureOn is a licensed insurance company in Alabama.  If you run a small business in Alabama, you may likely want to patronize them.

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#3. Huckleberry Insurance Alabama.

Huckleberry provides an online-based small business insurance in Alabama.

They have a form online that is simple and easy.

Also, you can get your business protection in a few minutes.

Huckleberry is quite affordable and provides business insurance policies such as Business owners policy, Workers Compensation insurance etc.

They also offer other coverages such as;

  • Spoilage
  • Employment practices liability
  • Hired and non-owned auto
  • Liquor liability
  • Equipment Breakdown
  • Restaurant endorsement
  • Employee Dishonesty

Huckleberry is fast, easy, paperwork free and affordable.

Hence the reason why is one of the best business insurance companies in Alabama.

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#4. Next Insurance.

Next Insurance is another business insurance provider in Alabama that helps you get Business insurance quotes online.

With Next, you can easily purchase coverage online at the best price and also share your certificate of insurance.

They help over 1000 small businesses and self employed workers to get coverage easily.

This makes it one of the best business insurance companies in Alabama.

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Frequently Asked Questions About Best Insurance Companies in Alabama

 What is the Average cost of car insurance in Alabama?

Alabama’s average for full coverage car insurance is $1,623 per year. 

While the average rate for car insurance in Alabama is $717 per year, or $60 per month, for a minimum liability policy.

What is the Average cost of homeowners insurance in Alabama?

The average cost of homeowners insurance in Alabama is about $1,850 per year.

What are the best insurance companies I can work for in Alabama?

Here are 10 best insurance companies you can work for in Alabama

  • CRC Insurance Services
  • Infinity Insurance
  • National Security Group
  • AIM Mail Centers
  • ProAssurance
  • Life Insurance Co of Alabama
  • Skilstaf
  • Peck Glasgow Agency
  • McGriff
  • M&B Hangers

References.

  • https://www.bankrate.com/insurance/car/alabama/
  • https://www.bankrate.com/insurance/homeowners-insurance/in-alabama/
  • https://www.valuepenguin.com/best-cheap-homeowners-insurance-alabama
  • https://www.zippia.com/company/best-insurance-companies-alabama/
  • https://www.ehealthinsurance.com/health-insurance-companies/alabama-carriers

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