Alabama car insurance: requirements & free quotes
Alabama is an at-fault state, so the driver who causes a crash is responsible for the other party's injuries and damage. Liability-only coverage satisfies the law, but Gulf Coast storms and hail in the north make comprehensive coverage worth a look for many drivers.
Minimum coverage in Alabama
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Alabama
- Ask about uninsured motorist coverage, since the state minimum does not include it.
- Comprehensive coverage protects against hail, falling trees and flood damage from Gulf storms.
- Bundling auto with homeowners or renters insurance often unlocks a multi-policy discount.
- Compare quotes after a clean three-year stretch, as your rating tier may improve.
We connect drivers across Alabama
Including Birmingham, Montgomery, Huntsville, Mobile and Tuscaloosa — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Alabama car insurance FAQ
No. Alabama is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.