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Alabama car insurance laws require all drivers to carry auto insurance coverage which meets or exceed state minimum requirements.
Current Alabama car insurance laws require all vehicles to carry minimum levels of liability insurance coverage.
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Alabama Car Insurance Requirements
Take a look at how state minimum car insurance rates vary from state to state.
Alabama’s Department of Insurance sets Alabama’s car insurance laws and currently, require all drivers to have insurance coverage of at least 25/50/25.
These numbers represent the minimum levels of insurance for bodily injury and property damage liability insurance.
The minimum level requirements for Alabama are:
- $25,000 bodily injury liability
- $50,000 bodily injury liability
- $25,000 property damage
Alabama car insurance laws do require higher limits than most states however these limits are still not high enough to prevent you from personal responsibility in many medium to serious car accidents.
Higher limits are available through most Alabama auto insurance companies for a nominal fee.
Let’s take a look at the average monthly car insurance rates.
Let’s take a closer look at how ZIP codes affect car insurance in Alabama.
Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in AL.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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How many car insurance companies are there in Alabama?
Alabama enjoys a very competitive car insurance market with many of the national auto insurance companies offering policy coverage to Alabama residents.
Take a look at these 6 major factors affecting auto insurance rates in Alabama.
Car insurance rates can vary significantly from one car insurer to another, but there are some things you can do to help find the best available coverage.
Now let’s see who is the cheapest car insurance company in Alabama.
Here’s what you can do:
- Understand the types of car coverage, how car insurance discounts work and what policy limits are.
- Never compare potential providers by just premiums. Always review the details of coverage
- Still, compare some car insurance companies
- Pay particular attention to policy limits and realize sometimes lower car insurance rates mean less coverage. Try to avoid being underinsured.
Who are the largest car insurance companies in Alabama?
Car insurance is required by law however it’s not mandatory to pay high premiums. The more you learn about car insurance, the more you can save – now, and every time you buy a car.
Car insurance comparison between potential car insurers is the only way you will ever find the best car insurance rates.
Enter your zip code below to get FREE car insurance quotes today!