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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,
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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)
No Fault State
Uninsured Motorist coverage required
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
auto insurance rates.
Alabama Mandatory Auto Liability Insurance
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
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
The current declarations page of a liability insurance
The actual liability insurance policy issued for the
A certificate of liability insurance policy issued
by either the insurer or an authorized
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
(yellow) copy of the application for certificate of title for a 1975 and subsequent year
A copy of the rental agreement when renting a
motor vehicle which specifies the insurance coverage.
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