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Alabama Car Insurance Rates & Policy Coverage

Alabama auto insurance
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Alabama Car Insurance Rates, Regulations and Policy Coverage Requirments

Receive instant Alabama car insurance rate quotes from leading Alabama auto insurance companies, all online, delivered right to your PC.

When shopping for Alabama auto insurance make sure you get any qualifying discounts. Compare Alabama auto insurance companies by checking the insurance ratings with Standard and Poors or Moody's online. Consumer can also check with the Alabama Insurance Department for consumer complaint ratios against specific Alabama auto insurance companies.

Alabama auto insurance law: minimum required auto insurance
Liability limits (in 100's) PIP required No Fault State Uninsured Motorist coverage required
20/40/10 No No No

Liability amounts are written as three numbers separated by slashes.

First number: bodily injury liability maximum for one person for injuries you caused to the other party
Second number: bodily injury liability maximum for all injuries in one accident
Third number: property damage liability maximum for one accident

Alabama Auto Insurance Policy Coverage

These are the minimum required liability limits by Alabama State. The insurance industry usually recommends that consumers considering higher levels of coverages. Alabama auto insurance companies offer higher levels of coverage that exceed the minimum amounts. Consumers should also consider optional coverages including medical payments, uninsured and underinsured motorist coverage, collision, and comprehensive coverages. The amount of optional coverage you choose directly affects your Alabama auto insurance rates.

Alabama Mandatory Auto Liability Insurance FAQs

Are vehicles registered or operated in Alabama required to be covered by a liability insurance policy?

Yes. No person shall operate, register or maintain registration of, and no owner shall permit another person to operate, register or maintain registration of, a motor vehicle designed to be used on a public highway unless the motor vehicle is covered by a liability insurance policy.

What is the minimum amount of liability insurance coverage required?

When choosing an Alabama Car policy quote, the insurance must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident (Act 2008-393). The policy must be issued by an insurance company qualified to issue motor vehicle liability insurance in Alabama.

What is considered proof of liability insurance coverage?

The best proof of liability insurance is the insurance card issued by the insurance company. The insurance cards are issued by companies qualified to issue motor vehicle liability insurance in Alabama, and contain the vehicle year model, vehicle make, vehicle identification number, name of the insured, the name of the insurance company, the policy number, and the effective and expiration dates of the policy. Insurance companies often issued cards two or more times a year. Motorists must be sure that the insurance card carried within the vehicle is current.

Other acceptable documents to prove insurance include:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist's insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized
    agent.
  • Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance
    card issued for the motor vehicle replaced by such purchase. The proof of purchase is to
    be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit
    (yellow) copy of the application for certificate of title for a 1975 and subsequent year
    model vehicle.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.

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