Alabama car insurance

Birmingham cityscape overlooking waterfront

Common questions about Alabama
auto insurance

Need car insurance in Alabama? Whether you live in Birmingham, or Huntsville, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Alabama auto insurance, so you only pay for what you need.

What car insurance is required in Alabama?

In Alabama, it's illegal to drive without insurance. Drivers in Alabama are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Alabama.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Alabama Motor Vehicle Division for more details.

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.

What's the average cost of car insurance in Alabama?

The average cost of car insurance in Alabama was $1,966³ in 2024 according to thezebra.com. That's 10% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Alabama auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

Who has the cheapest car insurance in Alabama?

Getting the cheapest car insurance in Alabama may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴