Alabama car insurance requirements
Every driver in Alabama must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Alabama drivers should know
- Alabama requires at least 25/50/25 liability coverage. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Alabama checks coverage electronically through its Online Insurance Verification System, so a lapse can quickly lead to fines and a suspended registration.
- Uninsured motorist coverage must be offered with your policy — with many uninsured drivers on the road, it’s worth keeping.
Home insurance in Alabama
- Hurricanes and tropical storms are the biggest risk; many policies carry a separate named-storm or wind deductible, often a percentage of the home’s value.
- Flood damage — including storm surge — is never covered by home insurance. Buy a separate flood policy, especially near the coast or in low-lying areas.
- Tornadoes are a year-round risk across north and central Alabama.
Ways to save in Alabama
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.