Alabama Auto Insurance Information
The following information is specific to Alabama car insurance. If you are looking for affordable auto insurance, you can get multiple free quotes from Alabama insurance agents by completing one short quote form. Click to quote
What car insurance companies are available in Alabama?
The following is a list of some of the online insurance companies that offer coverage and quotes in Alabama. To compare car insurance quotes, simply follow the links and complete the quote form for each company. You could save $400 or more in as little as 5 minutes!
Alabama has a tort auto insurance system
States generally tend to be either a Tort state or a No-fault state, with a few states allowing you to choose or offering variations of the Tort system. Alabama is a tort state, which means the driver who is at fault or liable for causing a traffic accident is responsible for paying for any injured party's medical expenses. This also includes compensation for additional damages such as pain and suffering and loss of wages.
What does this mean for me?
With Alabama being a tort state, you are not required to purchase PIP, or Personal Injury Protection, coverage on your car insurance policy. Conversely, if you are injured in a car accident when the other driver is at fault, the other driver's bodily injury liability insurance will pay for your medical expenses.
What are the Alabama minimum auto liability limits?
Alabama recently raised the minimum liability limits for car insurance. The minimum liability limits are now 25/50/25. This means you are required to have a minimum of $25,000 in coverage for injury to one person, $50,000 in coverage for all injuries in an accident, and $25,000 of property damage coverage.
Does Alabama require an SR22 filing?
If your driver's license has been suspended in Alabama, you may be required to submit an SR22 filing with the state. An SR22 simply is a guarantee from a car insurance company that you have the minimum liability coverages as required by Alabama law, and the insurance company will notify the Alabama DMV if coverage lapses. Common circumstances requiring an SR22 filing in Alabama are drunk driving convictions, too many moving violations in a year, upaid fines, uninsured accidents and others.
Contact the Alabama Department of Insurance
| By Mail | PO Box 303351 Montgomery, AL 36130-3351 |
| By Phone | 334-269-3550 |
| Website | Alabama Department of Insurance |
| Consumer Services | 334-241-4141 [email protected] |
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