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Alabama Auto Insurance

Alabama has several mandatory auto insurance laws. First off, you must show proof of insurance any time you are requested to do so by a peace officer or other sanctioned officer of the state. Second, Alabama operates as a tort state. What this means is that drivers in Alabama are personally liable for any medical or property damage caused by an accident.

For this reason, your Alabama auto insurance must at least be liability insurance in order to pay for these expenses in the case of an accident. This also means you may be held personally responsible for paying for any damages caused in excess of your car insurance, so you should make sure you carry enough coverage to safeguard your assets.

Alabama Auto Insurance Coverage Requirements

In Alabama, the minimum liability coverage is 20/40/10. This translates into $20,000 for personal injury (each person), $40,000 for all injured persons, and $10,000 for property damages. These are the minimums for Alabama auto insurance and should not be considered the best coverage—they are simply what is the least amount required by the law.

The State of Alabama does not require you to purchase uninsured motorist bodily injury coverage. This type of coverage protects you in the case of a hit and run driver or in the event you are injured from a driver without insurance coverage. It is always advisable to add this type of coverage to your policy, even if it is not mandatory.

Alabama Auto Insurance Rates

Auto insurance rates in Alabama are determined by the overall cost of insuring drivers within the state. This means the insurance company computes the overall cost of insuring all in the state, then figures your percentage of that total cost using variables like age, location, your driving record, and what type of vehicle you drive. Drivers in Alabama can significantly reduce their premiums if they have a good driving history.

Alabama has some of the cheapest auto insurance rates in country. In a recent survey, Alabama ranked 40th across the nation, with an overall average premium $656.42. That breaks down to an average of $354 for liability coverage, $132 for comprehensive coverage, and $305 for collision coverage.

Current Carriers in Alabama

There are many auto insurance companies offering coverage in Alabama, so drivers should take the time to shop around to make sure they're getting the best rates available.

Find More Information

You can find out more information about Alabama auto insurance at the Alabama Department of Insurance. You can contact them directly at:

Alabama Department of Insurance
P O Box 303351
Montgomery, AL 36130-3351
Phone: (334) 269-3550
Fax: (334) 241-4192

For other Alabama Insurance Resources, See:

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