Alabama Auto Insurance

"Being insured is the law in Alabama"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the province of Alabama.

• What does the law say pertaining to minimum insurance coverage in Alabama?

Alabama has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Alabama, you can obtain your learner’s permit at fifteen and your restricted license at sixteen, with a full license at sixteen and a half.

To adhere to Alabama's auto insurance rules, you must...

In Alabama, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Alabama requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Alabama, you must have third party liability insurance for bodily injury with each person allowed $20,000.00, up to maximum of $40,000.00, as well as an additional $10,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Alabama, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Alabama:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Alabama.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Alabama

Auto Insurance FAQ

Question: Auto Insurance in Alabama?
Can someone tell me what the minimum liability limits for car insurance in Alabama would be?

Answer: 20k each person 40k each accident for bodily injury and 10k each accident for property damage.thats what i have an i live in southern alabama

Question: I have a question regarding auto insurance and my 17-year-old son driving under a learner's permit with parent
We live in the state of Alabama, and I have full coverage insurance on my car. My son, who lives with me, has a learner's permit, but not his license, and only drives on occasion, always with me (his mother) in the car. Do I need to notify my insurance company that he is driving with me under a learner's permit so that he will be listed as a "driver" on my policy (even though he does not have his official license as yet)? Or do I notify my insurance company only once he actually has his drivers license?

Answer: Without reading your policy form, most of the time you don't need to add them until they actually have a license. Technically, the only policy form I've ever seen that requires you to add a person under permit, is Progressive's and Leader's. I've read other policies from companies that WANT you to add them when they get their permit (thus charging you a higher premium, earlier), but the POLICY form refers to "licensed driver", so the company would have to cover a permitted driver. I'd call your agent, anonymously, and ask them "hypothetically". That's the safest way.

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