Alabama Car Insurance Quotes

The State of Alabama has five major interstate roads: I-65, I-20/I-59, I-85, I-10 and I-22 providing residents with ample transportation options. If you plan on driving in Alabama, you will need to carry car insurance. Here are the laws and regulations for Alabama car insurance.

Alabama Mandatory Liability Insurance Law

All operators of motor vehicles in the State of Alabama must carry insurance according to the Alabama Mandatory Liability Insurance Law. Even if you don’t drive, but have registered your motor vehicle, you will need insurance. Unfortunately, too many Alabama drivers are uninsured and the state is trying to improve this statistic.

“We dare defend our rights” is the Alabama state motto

When an uninsured driver gets in an accident, the citizens of Alabama are forced to pay the medical costs. By requiring all Alabama drivers to hold insurance, the risk is shared by all parties. The rate for uninsured drivers in Alabama is the 6th worst in the nation.

Select Your County Below to Start the Insurance Quote Process:

Autauga County
Baldwin County
Barbour County
Bibb County
Blount County
Bullock County
Butler County
Calhoun County
Chambers County
Cherokee County
Chilton County
Choctaw County
Clarke County
Clay County
Cleburne County
Coffee County
Colbert County
Conecuh County
Coosa County
Covington County
Crenshaw County
Cullman County
Dale County
Dallas County
DeKalb County
Elmore County
Escambia County
Etowah County
Fayette County
Franklin County
Geneva County
Greene County
Hale County
Henry County
Houston County
Jackson County
Jefferson County
Lamar County
Lauderdale County
Lawrence County
Lee County
Limestone County
Lowndes County
Macon County
Madison County
Marengo County
Marion County
Marshall County
Mobile County
Monroe County
Montgomery County
Morgan County
Perry County
Pickens County
Pike County
Randolph County
Russell County
St. Clair County
Shelby County
Sumter County
Talladega County
Tallapoosa County
Tuscaloosa County
Walker County
Washington County
Wilcox County
Winston County

What Must Liability Insurance Cover?

Minimum liability insurance is required on all self-propelled motorized vehicles. This does not include trailers. Your Alabama car insurance must adhere to the following state minimums for coverage:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two persons
  • $25,000 for property damage or destruction

What is Proof of Insurance?

When applying for new license plates, Alabama drivers should present their insurance card for verification. The State of Alabama Online Insurance Verification System will be used to check insurance status. This proof of insurance must include the insurance company’s National Association of Insurance Commissioner’s (NAIC) number, Vehicle Identification Number (VIN) and policy number. The individual must also have a valid identification card. State troopers can also request that you provide a valid insurance policy number during traffic stops.

What Are Penalties for Not Having Insurance?

If you are caught without valid insurance, then you could receive fines, license revocation or mandatory reinstatement fees. For the first violation, you might be fined $500; for the second violation, you might be fined $1,000. The second violation could also lead to a six-month driver’s license suspension.

A vehicle registered or operated without the necessary car insurance could lead to the vehicle registration being suspended or revoked. The owner may be required to pay a $200 reinstatement fee for the first offense and $400 for the second offense. So, it pays to keep your insurance coverage current.

The State of Alabama is hoping to increase the percentage of drivers who carry the right car insurance. Alabama hopes that all drivers will remain in compliance. Now that you know the rules, fill out the form above for a free quote.

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