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Alabama Auto Insurance

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Auto Insurance rules in Alabama

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Alabama auto insurance quotes Alabama was the place claimed by the Spaniards as a part of Florida. Popularly known as 'Yellowhammer', Alabama - the 'Heart of Dixie' - was included as the 22nd state to the Union in 1819. The economic growth of the state is tremendous, and has welcomed companies like Honda, Toyota, and Hyundai in the automobile sector.

A Brief Insight to the Auto Insurance Rules and Coverage in Alabama

Alabama is known to have some of the most expensive automobile insurance policies. The average premium comes out to be around $573.90 for every vehicle per year. In some areas it even exceeds $1000.

Alabama being a tort state, you are financially responsible for the damage and injury you cause in an auto accident. However, properly enforced traffic laws can reduce accidents, injuries and death. They also can lead to lower insurance premiums.

The state's liability minimums are 20/40/10.

Minimum Coverage: In Alabama, the minimum car insurance coverage is $20,000. This remains the same for injury through an accident. For all kinds of accidents the amount comes out to be $40,000. For the property damage, the amount comes out to be $10000.

You are required by law to have certain minimum level of coverage:

Mandatory Coverage
Minimum Requirement
Bodily Injury Liability (BI): When you are at fault in an accident, pays for accidental injury to or the death of another driver, the other driver's passengers, passengers in your car, and pedestrians.
$20,000 per person $40,000 per accident
Property Damage (PD): When you are at fault in an accident, pays for the repair or replacement of other people's cars or property.
$10,000 per accident

Medical payments, PIP, and no-fault coverage

The policy is for those, who after meeting with an accident need medical treatments. It helps you and your passengers getting treated through medical payments (Med Pay) coverage. Alabama has two optional coverages, namely - personal injury protection (PIP) and "no-fault" coverage. Payments for lost wages and childcare also forms a part of the insurance plans in this state. Along with it, you also have a good health plan and disability insurance.

State DUI/ DWI Young Driver Licensing Safety belt usage Motorcycle
Helmet use
Red light
Child Restraint Use
Alabama Good Fair Fair Good Poor Poor

Alabama Auto Insurance Law

Alabama has a strict law for those who do not carry liability insurance along with them. The auto insurance policy behaves more like an agreement between the insurance company and you, as you pay premium to them.

Mandatory Requirements:

  1. All vehicles registered or operated in Alabama are required to be covered by a liability insurance policy.
  2. You are required to carry proof of liability insurance coverage in your vehicle. The best proof of liability insurance is the insurance card issued by the insurance company.
  3. The insurance cards are issued by companies qualified to issue motor vehicle liability insurance in Alabama, and contain the vehicle year model, vehicle make, vehicle identification number, name of the insured, the name of the insurance company, the policy number, and the effective and expiration dates of the policy.
  4. Insurance companies often issued cards two or more times a year. Alabama motorists must be sure that the insurance card carried within the vehicle is current.

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In accordance with Alabama auto insurance law, other acceptable documents to prove insurance include:

  1. A temporary insurance card issued by the insurer.
  2. A premium receipt or insurance binder issued by the motorist's insurance agent.
  3. The current declarations page of a liability insurance policy.
  4. The actual liability insurance policy issued for the vehicle.
  5. A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  6. Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner's permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
  7. A copy of the rental agreement when renting a motor vehicle, which specifies the insurance coverage.

How Auto Insurance Rate Are Determined in Alabama

The auto insurance companies in Alabama observe the state driver's as a whole and then compute their rates together. This also includes settlement and legal fees. The average is then calculated and cost is then divided among the drivers. The amount is not equal though. The rest depends upon the driving record, your age, place where you live and the type of vehicle you drive.

Keep your eyes and ears open and you will come to know about the different rates issued by the companies. Shopping for the rates is the best possible option for you.

Why Choose Advantage One Insurance?

Enjoying the freedom and mobility your vehicle provides is part and parcel of the American dream. Our job is to help you protect that dream.

Choosing the right automobile insurance coverage can be a confusing experience for most people.  With different Liability limits, Comprehensive, Collision, Personal Injury Protection and Medical coverages to choose from it's easy for most consumers to make simple mistakes that could quickly become a drastic consequence towards their stability and financial well being.

The value of good automobile insurance doesn't become apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on.

Throughout this section our focus is to provide you with empowering information that enables you to better understand the many options involved in automobile insurance.

As an independent insurance agency it's our job to represent you, the customer.  Consistently working to provide the individual coverage you require.  When it comes to protecting your auto, home, business and family, don't leave it up to chance.. being insured with the best certainly has its advantages.  That is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.

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Alexander City, Andalusia, Anniston, Birmingham, Brent, Brewton, Calera, Carrollton, Chatom, Cullman, Decatur, Eutaw, Fort Payne, Gadsden, Huntsville, Jasper, Madison, Mobile, Montgomery, Moulton, Moundville, Muscle Shoals, Opelika, Prattville, Robertsdale, Scottsboro, Sylacauga, Tallassee, Troy, Tuscaloosa, Tuskegee

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Looking for a car insurence quote in Alabama - look no further, we offer great rates and service.


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