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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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
Ft. Payne18.9$1,686

Bodily Injury Requirements in Alabama

Bodily injury liability insurance pays for another party's medical expenses resulting from an accident where you're at fault. This is one of the most used and common coverages on your auto policy.

The majority of states require you to carry some form of bodily injury liability insurance. In Alabama, you'll be required to obtain at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. 

Property Damage Requirements in Alabama

You'll be required to carry property damage liability insurance in Alabama. The state minimum limit for this coverage is $25,000. If you're found without proper coverage, you could be fined or worse.

Property damage liability will pay for the damage to another party's vehicle or structure when you're at fault. Most of the time, the state minimum limits are not enough to cover larger losses and should be reviewed for accuracy before an accident occurs.

Personal Injury Protection Requirements in Alabama

You won't be required to carry personal injury protection on your auto policy in Alabama. However, medical payments coverage is typically added for proper protection.

Without medical payments insurance, you'll be on the hook for any of your medical expenses resulting from an at-fault car accident. Be sure to check limits with a trusted adviser so you're fully insured. 

Uninsured Motorist Coverage in Alabama

In Alabama, uninsured motorist coverage is not required by law. However, it can help protect you and your family. Unfortunately, even though auto insurance is required, not everybody obtains a policy. Alabama currently has 18.4% of its drivers uninsured. 

When you're shopping for coverage, ask your agent about uninsured motorist insurance. This can be added to your policy for an additional premium and is worth every penny, because it pays for damage or injury you sustain from an uninsured driver.


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Optional Car Coverage in Alabama

Insurance companies offer a wide variety of coverage options when it comes to your Alabama auto policy. Collision insurance and comprehensive insurance will help pay for damage to your own autos and is considered full coverage. 

There are other optional limits you can select to make your policy more robust. These include roadside assistance to help with a flat tire or tow, and rental car coverage that pays for a replacement vehicle due to a covered claim. The choices can be reviewed so that you're completely protected for a loss. 

Car Insurance Discounts to Consider in Alabama

In Alabama, you can get a discount on insurance in a few different ways. The first option to save on your auto coverage and other policies is through a multiple policy discount. Most carriers give rate reduction of 30% or more when you have more than one line of business with them. 

Another way to obtain a discount is if you're a member of an association like a teachers union or government agency. And if you stay with the same carrier for 3 years or more, they usually give a reduction in price for your loyalty. 

How to File a Car Insurance Claim in Alabama

When filing a car insurance claim in Alabama, there are simple things you can do to make the process smoother. Check out the 4 easy steps to take when reporting an Alabama car insurance claim.

First, seek any medical attention needed immediately. Second, call your independent insurance agent to file the claim on your behalf. Third, gather the claim number for reference and get a replacement vehicle if coverage allows. Last, connect with your adjuster to assess damage and get paid.