Liability Car Insurance in Alabama
Numbers refreshed
In Alabama, the cheapest legal policy: what it costs and what it doesn't cover.
- $53.the average monthly cost for liability.
- 25/50/25.the minimum liability limits.
- 28th of 51.the most expensive state (1st = highest).
How much liability costs in Alabama
In Alabama, liability-only car insurance averages $631 a year, or about $53 a month. For liability, it is the 29th most expensive state.
| Coverage in Alabama | Per year | Per month |
|---|---|---|
| Liability | $631 | $53 |
| Collision | $480 | $40 |
| Comprehensive | $277 | $23 |
| Full coverage (all three) | $1,388 | $116 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you're still paying with the minimum
At a minimum, Alabama requires 25/50/25 liability coverage. Each person hurt is covered for $25,000, everyone hurt in one crash for $50,000, and other people's property for $25,000.
The other people are paid by your liability coverage. You pay for repairs to your own car out of pocket unless you add collision.
Any crash costs above your limits may be claimed from you. Paying for higher limits usually costs you far less than the extra protection is worth.
Learn more about car insurance in Alabama
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