Alabama car insurance: minimum coverage, rules & quotes

Minimum liability: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability per accident.

Required coverages: BI & PD liability.

At-fault (tort) state. In an at-fault (tort) state, the driver who caused the crash — through their liability insurance — is responsible for the other people's injuries and property damage.

Credit-based insurance scores: Insurers here may generally use a credit-based insurance score as one rating factor, subject to state rules that limit how it can be used.

Official help: find the Alabama insurance department (consumer help, agent license lookup) in the NAIC, State insurance departments directory ↗, and the Alabama DMV in the USA.gov, State motor vehicle services (DMV) directory ↗.

Body-type mix: SUVs 37% · Cars & Sedans 34% · Trucks 27% · Vans 2%. Most-listed models: Chevrolet Silverado (1,453), GMC Sierra (1,277), Ford F-150 (876), Ford Bronco (801), Ford Explorer (558), GMC Yukon (408).

Why it matters: a financed car at the $35,456 median price will normally need collision and comprehensive, and repair costs, theft rates and safety equipment differ by model — the VIN decode on the form shows the agent the exact vehicle.

• Huntsville 2,860 cars
• Birmingham 2,165 cars
• Mobile 1,426 cars
• Decatur 1,155 cars
• Cullman 1,045 cars
• Muscle Shoals 899 cars
• Jasper 855 cars
• Enterprise 839 cars
• Hoover 734 cars
• Montgomery 706 cars
• Anniston 645 cars
• Dothan 564 cars
• Daphne 531 cars
• Prattville 525 cars
• Tuscaloosa 519 cars
• Bay Minette 421 cars
• Vestavia Hills 403 cars
• Gadsden 338 cars
• Albertville 336 cars
• Opelika 302 cars
• Tuscumbia 297 cars
• Boaz 294 cars
• Florence 263 cars
• Gardendale 247 cars
• Heflin 230 cars
• Irondale 214 cars
• Rainbow City 181 cars
• Clanton 178 cars
• Ozark 149 cars
• Madison 141 cars
• Meridianville 124 cars
• Elba 115 cars
• Brewton 112 cars
• Abbeville 96 cars
• Troy 93 cars
• Alexander City 92 cars
• Atmore 83 cars
• Moody 81 cars
• Andalusia 78 cars
• Pelham 77 cars
• Fort Payne 76 cars
• Wetumpka 75 cars
• Evergreen 69 cars
• Selma 62 cars
• Helena 60 cars
• Saraland 59 cars
• Theodore 58 cars
• Haleyville 58 cars
• Arab 57 cars
• Lanett, Al 36863 55 cars
• Springville 54 cars
• Calera 54 cars
• Odenville 51 cars
• Hueytown 51 cars
• Childersburg 48 cars
• Fayette 48 cars
• Robertsdale 44 cars
• Alexandria 39 cars
• Athens 37 cars
• Tallassee 36 cars
• Geneva 35 cars
• Oneonta 28 cars
• Montevallo 27 cars
• Thomasville 26 cars
• Trussville 25 cars
• Scottsboro 25 cars

• Good / safe driver

  For drivers with no at-fault accidents or major violations for a set number of years (often three or more). California law requires insurers to offer qualifying good drivers a Good Driver Discount.

  Check this discount
• Multi-policy (bundling)

  Buying auto with homeowners, renters, condo or another policy from the same insurer.

  Check this discount
• Multi-car

  Insuring two or more vehicles on the same policy.

  Check this discount
• Good student

  For students with good grades, commonly a B average or better (insurers set their own rules).

  Check this discount
• Defensive-driving course

  Completing an approved course. Some states require insurers to offer a discount for approved courses, often for older drivers.

  Check this discount
• Telematics / usage-based

  An app or plug-in device that measures how, when and how much you drive. Safe habits can earn a discount; in some programs risky driving can raise the price.

  Check this discount
• Paid in full / autopay / paperless

  Paying the whole term up front, enrolling in automatic payments or going paperless.

  Check this discount
• Low mileage

  Driving fewer miles than average, for example working from home.

  Check this discount
• Safety & anti-theft features

  Airbags, anti-lock brakes, crash-avoidance technology, alarms and tracking devices. The VIN decode shows the factory safety equipment listed for your car.

  Check this discount
• Affinity / military / employer

  Membership in certain employers, alumni associations, professional groups or military service.

  Check this discount

• Bodily injury liability (BI)

  Pays for injuries you cause to other people — their medical bills, lost wages and legal claims — up to your per-person and per-accident limits. Required in almost every state.

• Property damage liability (PD)

  Pays for damage you cause to someone else's car or property. Required in nearly every state. A crash with a newer vehicle can exceed a low PD limit quickly.

• Collision

  Pays to repair or replace your own car after a crash with another vehicle or object, regardless of fault, minus your deductible. Optional by law but required by lenders and lessors.

• Comprehensive

  Covers your car for theft, vandalism, fire, flood, hail, falling objects and animal strikes, minus your deductible. Also required on most financed and leased cars.

• Uninsured / underinsured motorist (UM/UIM)

  Protects you when the at-fault driver has no insurance or not enough. Required in many states; where it is optional, insurers usually must offer it.

• Personal injury protection (PIP) / Medical payments

  PIP pays your and your passengers' medical costs (and in many states lost wages) regardless of fault; it is required in no-fault states. MedPay is a smaller, medical-only version.

• Gap insurance

  If your financed or leased car is totaled or stolen, gap pays the difference between the car's actual cash value and what you still owe. Often available from your auto insurer, lender or dealer.

• Rental reimbursement & roadside assistance

  Low-cost add-ons: a rental car while yours is being repaired after a covered claim, and towing, jump-starts, lockouts and flat-tire help.

What is the minimum car insurance in Alabama?

Alabama requires at least $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability per accident — written 25/50/25.

Is Alabama a no-fault state?

No. Alabama is an at-fault (tort) state: the driver who causes a crash is responsible for the resulting injuries and damage, usually through their liability insurance.

Can car insurers use my credit score in Alabama?

Insurers here may generally use a credit-based insurance score as one rating factor, subject to state rules that limit how it can be used.

Is the Alabama minimum enough coverage?

It is the legal minimum, not a recommendation. Medical bills and newer-car repairs can exceed 25/50/25 limits, and you can be personally responsible for the difference. Many drivers choose higher limits, and financed or leased cars also need collision and comprehensive.

Do I need insurance before buying a car in Alabama?

You need proof of insurance to register and drive the car, and dealers usually ask for it before delivery. If you finance or lease, the lender will require collision and comprehensive. Request a quote on the exact VIN before you sign.

How do I get a car insurance quote in Alabama?

Use the AutosXchange quote form on this page: enter your VIN (we decode the vehicle), ZIP and a few details, and a licensed insurance professional will follow up. Or call or text (916) 476-7689.

How do I get a good driver discount in Alabama?

Most insurers offer a good- or safe-driver discount after several years without at-fault accidents or major violations. Eligibility and amounts vary by insurer; tick it on the form and the agent will check.

• Alaska 50/100/25
• Arizona 25/50/15
• Arkansas 25/50/25
• California 30/60/15
• Colorado 25/50/15
• Connecticut 25/50/25
• Delaware 25/50/10
• District of Columbia 25/50/10
• Florida PD 10 + PIP
• Georgia 25/50/25
• Hawaii 40/80/20
• Idaho 25/50/15
• Illinois 25/50/20
• Indiana 25/50/25
• Iowa 20/40/15
• Kansas 25/50/25
• Kentucky 25/50/25
• Louisiana 15/30/25
• Maine 50/100/25
• Maryland 30/60/15
• Massachusetts 25/50/30
• Michigan 50/100/10
• Minnesota 30/60/10
• Mississippi 25/50/25
• Missouri 25/50/25
• Montana 25/50/20
• Nebraska 25/50/25
• Nevada 25/50/20
• New Hampshire 25/50/25
• New Jersey 35/70/25
• New Mexico 25/50/10
• New York 25/50/10
• North Carolina 50/100/50
• North Dakota 25/50/25
• Ohio 25/50/25
• Oklahoma 25/50/25
• Oregon 25/50/20
• Pennsylvania 15/30/5
• Rhode Island 25/50/25
• South Carolina 25/50/25
• South Dakota 25/50/25
• Tennessee 25/50/25
• Texas 30/60/25
• Utah 30/65/25
• Vermont 25/50/10
• Virginia 50/100/25
• Washington 25/50/10
• West Virginia 25/50/25
• Wisconsin 25/50/10
• Wyoming 25/50/20