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Alabama Car Insurance

Illustration of Alabama Car Insurance

Alabama state law requires drivers to carry a minimum amount of car insurance. Failure to do so can result in penalties that can include monetary fines and license suspension. If you live in the Heart of Dixie, you want to make sure that you have Alabama auto insurance that meets state requirements.

Alabama Car Insurance Requirements

The Alabama Mandatory Liability Insurance Act (MLI) requires that “no person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy.”

The minimum car insurance requirement for Alabama drivers is:

  • $25,000 bodily injury to one per person per accident that you cause
  • $50,000 bodily injury fo two people or more per accident
  • $25,000 property damage liability

A policy that satisfies the MLI Act will include bodily injury and property damage, which together are your liability insurance. Liability covers the costs of damage you owe to the other party.

Remember that these are only the minimum requirements. You can add more coverage or additional insurance if you need to. It is also important to remember that the minimum requirements may not be enough to cover all of the damages of a car accident that you cause. Whatever your car insurance does not cover will have to be paid out of pocket by you.

The liability coverage doesn’t apply to your injuries or vehicle damage after a car accident. You will need additional coverage for your injuries and vehicle damage. Consider adding personal injury protection (PIP) or collision insurance.

Some vehicles that are exempt from the MLI Act include trailers, government-owned vehicles, and vehicles covered under a commercial automobile liability insurance policy.

Alabama Auto Liability Law

Alabama has a tort system, which means that someone will always be at fault for a car accident. The driver who is found to be “at-fault” must pay the victim’s medical expenses.

Penalties for Driving Without Alabama Auto Insurance

If you get caught driving without car insurance in Alabama, you could face a fine of at least $500 for the first offense. A second (and subsequent) violation can result in a $1,000 fine and/or the suspension of your driver’s license for six months, plus a $200 license reinstatement fee. You must also provide proof of insurance to reinstate your driver’s license.

How To Get Cheap Alabama Car Insurance

Freeway Insurance offers cheap Alabama car insurance for all drivers, including high-risk drivers. We specialize in providing Alabama auto insurance that is reliable and affordable. If you are paying too much for your car insurance, call Freeway today at (800) 777-5620 for a free car insurance quote.

Alabama Auto Insurance Quote

Photo of a road and cars driving toward the Alabama State Capitol in downtown Montgomery, Alabama.
If you call Sweet Home Alabama home, make sure you and your vehicle comply with the new laws. Call Freeway Insurance today for free car insurance quotes Alabama residents will appreciate. If you want the best car insurance in Alabama that comes with excellent customer service and low rates, call 800-777-5620 right now to get your free auto insurance quote, or get your car insurance quote online.