Alabama
Alabama Auto Insurance
Compare Alabama auto insurance coverage across multiple top carriers, from the state-minimum liability limits to full protection, with a licensed advisor to help you choose.
What it covers
What Alabama Auto Insurance Covers
What it covers
Liability coverage (state-required)
Alabama requires drivers to carry minimum liability limits of 25/50/25: $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability per accident (Alabama Department of Insurance). Liability coverage pays for the other driver's injuries or property damage when you are at fault; it does not pay for your own vehicle or injuries.
What it covers
Collision coverage
Collision coverage pays to repair or replace your own vehicle after an accident, regardless of fault, up to your vehicle's actual cash value. It is not required by Alabama's minimum-liability law but is typically required by a lender or lease.
What it covers
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle from causes other than a collision, such as theft, fire, hail, flooding, or an animal strike. Like collision, it is optional under the state minimum-liability law but often required by a lender.
What it covers
Uninsured/underinsured motorist coverage
This pays for your injuries, and in some cases vehicle damage, when the at-fault driver has no insurance or not enough to cover the loss. A licensed advisor can explain how this coverage works in Alabama and whether it fits your situation.
Where policies have edges
What Alabama Auto Insurance does not cover.
Not covered
Your own injuries under a liability-only policy
The state-minimum liability policy pays for the other driver's injuries and damage when you are at fault. It does not pay for your own medical bills or vehicle repairs.
Not covered
Normal wear and mechanical breakdown
Auto insurance covers sudden, accidental loss, not routine maintenance, wear and tear, or mechanical failure.
Not covered
Business use, on most personal policies
A personal auto policy typically excludes or limits coverage while the vehicle is used for business purposes such as deliveries or rideshare driving; that needs a separate commercial or rideshare endorsement.
Who needs this
Who needs Alabama Auto Insurance.
Anyone who owns or regularly drives a vehicle registered in Alabama needs auto insurance meeting the state minimum liability requirements to drive legally. Drivers with a newer or financed vehicle typically need collision and comprehensive coverage as well, since a lender usually requires it. See the Alabama insurance hub for the state's other requirements.
What it costs
What you can expect to pay.
Your Alabama auto insurance cost depends on your driving record, vehicle, coverage limits, and location. A licensed advisor can shop your specific situation across multiple carriers to find competitive pricing. Learn more about how auto insurance works in general.
In Georgia
How this works in Georgia.
Alabama's minimum auto liability limits are 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident (Alabama Department of Insurance; Code of Alabama Title 32, Ch. 7A, Sec. 32-7A-4). These are minimums, not recommendations. A licensed advisor can help you decide whether higher limits fit your situation.
Common Questions
Alabama Auto Insurance: frequently asked questions
What are Alabama’s minimum auto insurance requirements?
Alabama requires drivers to carry minimum auto liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident.