Car insurance · Alabama
Car insurance requirements in Alabama
Liability minimum 25/50/25. Claims system: fault-based claims.
Verified summaryAll Alabama insurance topics
Requirements
Minimum car insurance requirements in Alabama
| Coverage | Requirement in Alabama |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for all injuries or deaths in an accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Not listed as required |
What the law requires you to carry
- Bodily injury or death: at least $25,000 for one person in an accident
- All injuries or deaths: at least $50,000 in an accident
- Property damage: at least $25,000 in an accident
- An Alabama policy from an insurer qualified to issue motor vehicle liability insurance in Alabama, or a commercial auto liability policy, a motor vehicle liability bond or a cash deposit
Uninsured drivers
Uninsured motorist coverage in Alabama
Not listed as required.
Optional coverage
Coverage you can add in Alabama
- Uninsured motorist
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Alabama
The Department of Revenue says an uninsured vehicle's registration is suspended, with a reinstatement fee of $200 for a first violation and $400 for later ones, and proof of current insurance is required. A conviction can bring a fine of up to $500 for a first violation, and up to $1,000 and/or a six-month license suspension for later ones (Department of Revenue brochure, 2017). Alabama Law Enforcement Agency (ALEA) civil penalties of $200, $300 and $400 apply to uninsured drivers in an incident who were not cited, with a 90-day license suspension if not paid within 45 days (ALEA, 2017). These amounts come from official materials dated 2017 to 2023, so confirm current amounts.
Good to know
Other things to know in Alabama
- Alabama's Mandatory Liability Insurance law says no one may operate, register or maintain registration of a motor vehicle designed for public roads unless it is covered by a liability insurance policy (Code of Alabama section 32-7A-3).
- The Department of Revenue verifies insurance by sending requests to vehicle owners, and law enforcement and county license offices also verify insurance.
- Under Act 2016-361, a driver in a motor vehicle incident who was not insured and was not cited at the time is subject to a civil penalty assessed by ALEA.
- The penalty and fee figures above come from older official materials. Alabama's minimum limits are set in section 32-7-6 of the Code.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Alabama
- Alabama Department of Insurance
- Website: aldoi.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Alabama.
Home insurance resources and the health marketplace for Alabama are on its overview page.