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Minimum State Insurance Requirements » Alabama

25 / 50 / 25

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $25,000



Alabama Car Insurance Information

All specific Alabama car insurance information is listed below. Anyone operating a motor vehicle in the state of Alabama should become familiar with the vehicle insurance requirements when shopping for an auto coverage policy.

Alabama Car Insurance Information

Alabama is known for its hot and humid summers, mild winters and plentiful precipitation. Numerous highways and byways connect the major metropolitan areas with smaller rural communities. Traffic can be congested at times on the urban freeways and road accidents are sometimes unavoidable. For this reason Alabama drivers are required by law to carry liability auto insurance to protect themselves in the event of property damage or bodily injury suffered by others. Law enforcement agencies in the state are duty-bound to make sure those not covered by insurance pay a stiff penalty for their lack of responsibility. Although personal injury protection and uninsured motorist protection is not mandatory in Alabama, most insurance experts highly recommend these optional coverage programs.

Car Insurance Minimum Requirements

All vehicle operators in Alabama are required by state law to carry a liability auto insurance policy that meets a minimum amount designated as 25/50/25. These figures represent $25,000 to cover the costs of injuries to a non-fault individual, $50,000 to pay for medical costs sustained by all injured non-fault individuals in a single accident and $25,000 to cover repairs to property and vehicles owned by innocent victims. These numbers are quite standard when compared to other states, but many drivers elect to insure themselves with a policy that protects in amounts double the state minimum.

Car Insurance Companies

Hundreds of licensed agents sell auto insurance in the state of Alabama. These agents represent some of the largest car insurance companies in the nation. Insurance shoppers can contact an agent directly by telephone or go online for an immediate quote. Optional coverage plans such as collision protection, comprehensive insurance and personal injury protection can be combined with the required liability insurance, which saves customers money while fully protecting the vehicle. Agents may specialize in a particular type of insurance plan, such as protection for classic cars, commercial vehicles or a combination of insurance for autos, boats and motorcycles.

Free Car Insurance Quote For Alabama

Vehicle owners in Alabama can receive a free insurance quote from any licensed agent or insurance company. Shoppers can choose their level of liability protection, add collision insurance if required by a lien holder, discuss deductible amounts and more. Get an honest, accurate and absolutely free car insurance quote now.

Car Insurance Rates

Auto insurance prices in Alabama are comparable to most other states in the nation. Insurance companies figure their prices based on the age and experience of the driver, the type of vehicle being insured, where the car is parked at night and where it is driven. Statistics gathered over the years indicate where accidents are likely to occur and what segment of the population is more prone to involvement in a road incident. On average, Alabama car insurance rates for a full liability and collision coverage policy averages about $120 per month per vehicle, but drivers can save money by insuring multiple vehicles with the same company or agent.