The state of Alabama has a few auto insurance laws that are mandatory. To start, you must always carry proof of your auto insurance policy.  Failing to show proper insurance can result in a fine or citation. Alabama is a tort operated state, which means drivers (or their insurance) are responsible for property and medical damage when an accident happens.  Therefore, your minimum insurance should at least be liability insurance, to cover costs in case of an accident.

Q: “What is the minimum amount of auto insurance coverage that I need in Alabama?”

Minimum liability coverage for auto insurance in Alabama is 20/40/10.  This means that minimum coverage for personal injury is $20,000 (per each person), $40,000 for all injured persons, and $10,000 for property damages .  Again, this is minimum coverage required by the state of Alabama.  Alabama does not require uninsured motorist injury coverage which protects you in the event of a hit-and-run or if you are injured by a driver with no insurance.    Even though this type of coverage is not required, it is highly advisable to get this type of insurance.

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Current Providers in Alabama

For More Information

The Alabama Department of Insurance can provide more information on Alabama insurance laws.

Alabama Department of Insurance
P O Box 303351
Montgomery, AL 36130-3351
Phone: (334) 269-3550
Fax: (334) 241-4192