Alabama Car Insurance

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
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UPDATED: Jun 26, 2020

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In a nutshell...
  • It’s important to compare all your options and not just focus on the well-known brands
  • Higher limits are available through most Alabama auto insurance companies for a nominal fee
  • Car insurance rates can vary significantly from one car insurer to another

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.

Enter your zip code above to get FREE car insurance quotes today!

Alabama Car Insurance Requirements

Take a look at how state minimum car insurance rates vary from state to state.

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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.

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Let’s take a closer look at how ZIP codes affect car insurance in Alabama.

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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.

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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.

Some of the well-known brands include Allstate, Geico, and State Farm but Alabama also has some local car insurers who also provide competitive auto insurance policies.

Take a look at these 6 major factors affecting auto insurance rates in Alabama.

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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.

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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?

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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!

References:
  1. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  2. https://www.allstate.com/tools-and-resources/car-insurance/how-to-compare-car-insurance-rates.aspx
  3. https://www.esurance.com/insurance/car/coverage
  4. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Alabama Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Alabama
Factors Affecting Car Insurance Rates in Alabama
Alabama Car Insurance Rates by Company vs. State Average
Alabama Car Insurers by Market Share %