Alabama Car Insurance
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Common questions about Alabama auto insurance
Need car insurance in Alabama? Whether you live in Birmingham or Huntsville, Liberty Mutual 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.1
|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.
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.
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 is the average cost of car insurance in Alabama?
The average cost of car insurance in Alabama was $1,3792 in 2021 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.
What Alabama car insurance coverage is right for you?
All Alabama drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Alabama car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in Alabama?
Liberty Mutual knows that everyone has different needs for their Alabama auto insurance. Some may want the cheapest Alabama car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Alabama car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Alabama?
Getting the cheapest car insurance in Alabama may sound great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate