Alabama Auto Insurance Guide
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Get affordable Alabama auto insurance quote rates for free.
Call Now: (866) 845-3808
From Mobile to Huntsville, Tuscaloosa to Columbus, Birmingham to Montgomery, Alabama has thousands of miles of roadways. The longest state highway at 367 miles is Interstate 22. The shortest is I-359, covering 2.30 miles. Another 3,800 miles of U.S. highways cross the state. On any given day, they’re used by the state’s 3.7 million licensed drivers, each of whom drive an average of 13,516 miles a year. Alabama’s drivers are involved in thousands of traffic accidents every day, including many that result in serious injury or death. Wherever you live and drive in the Heart of Dixie, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Alabama’s basic vehicle insurance requirements and laws.
Alabama state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Alabama’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Alabama drivers is:
Alabama law requires that you also purchase Uninsured/Underinsured Motorists Bodily Injury Coverage in the minimum amount of $25,000 per person/$50,000 per accident, unless you tell your insurance provider in writing why you are opting out. Alabama does not require you to carry additional personal liability or Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
Alabama law requires that you carry proof of Alabama auto insurance in your car and show it if a law enforcement officer asks to see it. The penalty for a first offense is a six-month suspension of your driver’s license and/or fines up to $1,000, plus a $200 license reinstatement fee. You must also provide proof of insurance to reinstate your license.
Altering, forging or counterfeiting proof of insurance is a Class C felony, subject to a fine of $500 to $5,000 and/or imprisonment of one to 10 years.
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Vehicle insurance premiums are regulated by the Alabama Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Alabama also allows insurers to consider your credit history to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Alabama. The following laws have recently been enacted in Alabama and may affect your insurance coverage decisions.
Alabama Department of Insurance
Alabama Department of Motor Vehicles
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