Alabama Car Insurance Requirements
Numbers refreshed
Details on the minimum coverage every driver in Alabama must carry and what that coverage covers.
- The average monthly cost for liability coverage is $53.
- Minimum liability limits: 25/50/25.
- It ranks 28th of 51 for cost (1st = highest).
What the state of Alabama requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Alabama Department of Insurance, Auto FAQ; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers pay for
Alabama requires liability limits of at least 25/50/25. Each person hurt has a $25,000 limit, while everyone hurt in one crash has a $50,000 limit. Damage to other people's property has a $25,000 limit.
These limits often don't cover the full cost of medical bills or a newer car. Claims can be made against you for any amount above those limits, so many drivers choose 100/300/100 instead. The average cost of a liability policy in Alabama is $631 a year.
Driving without insurance
In Alabama, driving without insurance can cost you your license and registration. You may have to submit proof of insurance for several years to get them back.
Send your questions to the Alabama Law Enforcement Agency (ALEA), Driver License Division.
More about car insurance in Alabama
First written