Alabama Car Insurance FAQ - Quick Answers

The average cost of Alabama car insurance is $1,320 annually, which is almost the same as the national number of $1,311 per year. When you're shopping for coverage, consider getting multiple quotes through a trained adviser.

In Alabama, you're required by law to carry the state minimum limits of liability insurance when using the roadways. They are as follows:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability

In Alabama you'll have optional coverages you can add to your auto policy for an extra premium. To have full coverage auto insurance, you'll need to obtain the following in addition to your liability limits:

  • Collision insurance: Pays for damage to your vehicle when you have a collision with another driver or object.
  • Comprehensive insurance: Pays for damage to your vehicle when another object or animal runs into your car.

Unfortunately, sometimes people drive without any insurance. In Alabama, 18.4% of the drivers on the road are uninsured. This puts you and your loved ones at risk. To help, you can obtain uninsured motorist coverage that will protect you in a loss with an uninsured driver. 

When shopping for car insurance, it's essential that you have a reputable carrier by your side. In Alabama, RLI, Progressive, State Auto, and Travelers insurance companies are highly rated. This is due to their excellent claims handling and superior customer service. 

Yes. When you drive in Alabama you are required by state law to carry at the very least the state minimum limits of liability. If you're found without proper car insurance, you could be fined or worse.

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Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Annual insurance cost
Alabaster31.7$1,464
Anniston24.9$1,728
Athens22.6$1,213
Auburn20.2$1,500
Birmingham21.9$1,728
Daphne26.2$1,368
Decatur19.0$1,554
Demopolis17.9$1,142
Dothan19.5$1,572
Florence18.9$1,182
Foley21.4$1,332
Ft. Payne18.9$1,686
Guntersville22.9$1,518
Huntsville19.2$1,518
Jackson21.1$1,332
Mobile22.1$1,812
Montgomery19.9$1,704
Selma19.6$1,562
Troy16.9$1,524
Tuscaloosa19.0$1,428