Coverage designed with you in mind

Finding the right car insurance for you means staying up to date on Alabama requirements. The table below lists the coverages and minimum coverage limits that are required in Alabama. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

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Alabama car insurance state minimums

Coverage type
State requirements
Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$25,000 limit per person/$50,000 limit per accident
Property damage liability
Helps cover expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures — when an accident is your fault.
$25,000 limit
Uninsured motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured motorist
Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance.
Not required
Medical payments
If you and/or your passengers are hurt in an accident, this helps cover your medical or funeral expenses.
Not required
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required¹
Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism.
Not required¹

All coverages are subject to the coverage limits stated in your policy.

¹Although Alabama law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

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Drive with quality coverage on your side. Allstate auto insurance can help you stay protected on the road!

Other types of car insurance coverage in Alabama

Allstate also offer these other types of car insurance coverage:

  • Roadside coverage
  • Ride For Hire®
  • Rental reimbursement coverage

Learn about these and other car insurance coverage types available.

Alabama car insurance discounts

It's possible to get quality coverage at a lower rate than you might think. When you get a quote for Alabama auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

  • Multiple policy / bundling discount
  • New car discount
  • Early Signing Discount®
  • Responsible payer discount
  • Smart student discount

Review the different types of car insurance discountstailored to you and enjoy savings without cutting coverage.

Insurance bundling discounts

Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you up to 8%*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.

Factors that can impact your car insurance rates in Alabama

In addition to selecting the coverages, limits and deductibles that's right for you, these factors could also affect your car insurance rates in Alabama:

  • The type of car you're insuring (year, make, model)
  • Your driving habits and annual mileage
  • Demographic factors, like zip code
  • Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

Alabama business owners

  • Save up to 20% on auto insurance for your business vehicles.***
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  • Get driving data and insights that help you drive safer and keep your insurance costs low.