What is the average cost of car insurance in Alabama?
Alabama drivers paid an average of $1,098 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What auto insurance is mandatory in Alabama?
A car insurance policy with a minimum amount of liability coverage plus personal injury protection is required in Alabama, a no-fault state. However, minimum coverage may not be the full extent of coverage you want.
As of December 2022, 25/20/25 liability coverage limits are the minimum required in Alabama.
COVERAGE TYPE
ALABAMA MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
COVERAGE TYPE
Bodily injury liability
ALABAMA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
ALABAMA MINIMUM REQUIREMENTS
$25,000 per accident
What does car insurance typically cover in Alabama?
A typical car insurance policy in Alabama includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft. Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in Alabama with a Farmers Flex Personal Auto policy.
Alabama car insurance discounts
Farmers offers a variety of discounts for drivers in Alabama. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in Alabama.
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More coverage options in Alabama
Alabama home insurance
Learn more about what home insurance in Alabama covers, available discounts and more.
View home insurance coverage details and discounts for Alabama
Learn From Experience
Still have questions about cars and car insurance in Alabama? We have answers.
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What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
