More than 100 car insurance companies compete for customers in Alabama, and you can get auto insurance quotes from over a dozen of them from CarInsurance.com. Alabama’s rugged northern hills and southernmost bayous and beaches confront its drivers with an array of challenging conditions.
| Current average car insurance premium in Alabama | $1,255.06 |
| Current average car insurance premium U.S. | $1,677.92 |
Average premiums in Alabama cities
| Birmingham | $1,384.92 |
| Montgomery | $1,412.15 |
You can start your Alabama car insurance rate quote and then manage all of your policy needs online. From paying the bill, to making changes to cars or drivers on your policy or even reporting a claim, it's all at your fingertips. Put YOUR COMPANY NAME HERE 24 hours a day, 365 days a year.
ALABAMA CAR INSURANCE REQUIREMENTS Alabama state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage.
Minimum Required Insurance Coverage in Alabama*
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
*New limit requirement effective: August 30, 2008
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Alabama does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
When you get a quote at CarInsurance.com, we will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or customized limits and deductibles that fit your needs. Or, if you’d rather talk than type, CarInsurance.com's insurance agents are licensed in Alabama and available to help you through the quote and purchase process.
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
*New limit requirement effective: August 30, 2008
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Alabama does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
When you get a quote at CarInsurance.com, we will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or customized limits and deductibles that fit your needs. Or, if you’d rather talk than type, CarInsurance.com's insurance agents are licensed in Alabama and available to help you through the quote and purchase process.
Note
Some people think the state and insurance companies fix rates, so they never shop around. It’s true that a single insurance company must offer the same coverage at the same price to those with the same risk profiles. But each company is free to price its policies according to how much risk it is willing to accept. One may not penalize speeders as much as another, for example, and another might offer very different rates to drivers with accidents. You have to shop around to see if you are saving money.
You’ll pay higher rates if you like the same cars that car thieves do. Here are the vehicles Alabama’s crooks steal most:Most stolen vehicles in Alabama
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