Alabama
Auto Insurance Coverages
Whether you live in Huntsville, Birmingham, Montgomery or Fort Deposit, with so many companies offering auto insurance in Alabama, how do you know what car insurance is right for you? Allstate offers a variety of auto insurance policies, optional insurance coverages and many other products available in Alabama. As your auto insurance needs change, you local Allstate agent can work with you to help you make the right choices. If you have a teen driver, there are other considerations such as Alabama' Graduated Driver Licensing laws (see chart below).
For more information on this state, visit the Alabama State Information or Alabama State Catastrophe page.
Alabama Auto Insurance Coverage Scale
Alabama auto insurance coverage requirements can be different from other states. The chart below provides a good starting point for learning about the Alabama required auto insurance coverage levels and the most common car insurance coverages to make your choice easier.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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20,000/40,000
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100,000/300,000
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Property Damage Liability
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10,000
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50,000
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Uninsured Motorist Bodily Injury
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Not required
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20,000/40,000
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Medical Payments
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Not required
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2,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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0 deductible
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Alabama Graduated Driver Licensing
Help keep your teen driver safe on the road by reviewing the Alabama Graduated Driver Licensing (GDL) laws with them. Alabama has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.
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Insurance Institute for Highway Safety Rating
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Fair
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has the provision
but it is not optimal
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has the provision
but it is not optimal
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Minimum Exit Age
(Optimal: 18)
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17
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Florida, Georgia, Louisiana, Mississippi, Tennessee
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Alabama. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.