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- Alabama Car Insurance
Get an Alabama car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Alabama
Alabama drivers could save money with thse auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programAlabama minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Alabama. To drive legally, you need to have at least the following coverage amounts and minimums in Alabama.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Check out the Alabama Department of Insurance for more details.
Average cost of car insurance in Alabama, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Alabama is about $1,536 per year.
Drivers in Alabama will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Is Alabama considered a no-fault insurance state?
No, Alabama is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Alabama drivers may want to consider additional coverages:
These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Alabama, drivers must opt out of these coverages in writing when buying a car insurance policy.
What liability insurance is required in Alabama?
Alabama law only requires you to have liability car insurance. This is the coverage that protects others if you cause bodily harm or property damage to them. It's important to know this coverage does not cover you, your car, or your personal belongings.
As shown in the table above, drivers must have a car insurance policy with the minimum coverages of:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
You may see this written as 25/50/25.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Who offers cheap insurance in Alabama?
Finding the cheapest car insurance in Alabama may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate