Getting car insurance in Alabama

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
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required¹
Comprehensive
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.