Alabama Car Insurance - Auto Insurance Quote in AL
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 | $1,319.85 |
| Current average car insurance premium U.S. | $1,602.16 |
| Birmingham | $1,384.92 |
| Montgomery | $1,412.15 |
| Check out our car insurance rates in more Alabama cities | |
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CarInsurance.com's Average Premium Trend Tool shows how Alabama auto insurance rates have changed over the past few months. The arrow shows the monthly trend, and the graph shows the change in Alabama's average car insurance rates over the past few months. Hold your mouse over the points to see Alabama's annual average premium.
We want Alabama drivers to compare their auto insurance rates regularly and feel comfortable that they have gotten the right coverage at the best price. On this page, you’ll find information about Alabama’s legal requirements for car insurance and get an idea of how much others are paying. You can compare no-obligation quotes, fast and free, and then purchase the best policy online.
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
The state of Alabama follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
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.
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:
