Alabama car insurance: minimums, prices and your estimate
Alabama requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Alabama follows the at-fault system and does not require PIP or medical payments coverage. If your vehicle is uninsured, the Alabama Department of Revenue suspends its registration, and the reinstatement fee is $200 for a first violation and $400 for later ones.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- Check with ALEA
What drivers in Alabama can expect to pay
Monthly ranges from our model, anchored to Alabama's position in 7 published price studies from 2025 and 2026 ($2,432 a year for full coverage and $678 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $174-$231 | $2,432 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $48-$64 | $678 |
| Young driver, full coverage20, own policy, clean record | $324-$487 | $4,864 |
| Senior, full coverage70, clean record | $168-$222 | $2,335 |
| After one at-fault accident35, full coverage | $262-$347 | $3,648 |
| After a DUI35, full coverage | $305-$458 | $4,572 |
| Poor credit35, clean record, full coverage | $311-$448 | $4,548 |
Build your Alabama estimate
Rules worth knowing in Alabama
- Every auto liability policy must include uninsured motorist coverage unless you reject it. This coverage also pays when an at-fault driver's limits are too low to cover your injuries.
- If you reject uninsured motorist coverage, your insurer does not have to add it back at renewal unless you ask for it in writing.
- Insurers may use your credit history only as one rating factor. They cannot refuse, cancel or nonrenew a policy based on credit alone, or turn you down just for having little or no credit if you gave accurate information.
- The Alabama Department of Insurance lists gender, age, marital status, where you live, driving record, prior insurance, mileage and vehicle as common rating factors.
- Instead of an insurance policy, you can meet the law with a motor vehicle liability bond or a cash deposit with the State Treasurer.
- Ask the Alabama Law Enforcement Agency's Driver License Division whether you need an SR-22 to reinstate your license and for how long, since the state sets the filing period.
Questions about Alabama car insurance
What is the minimum car insurance in Alabama?
Alabama requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Alabama per month?
For a 35-year-old with a clean record, our model puts full coverage at about $174 to $231 a month and state-minimum coverage at about $48 to $64. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Alabama a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Alabama use my credit score?
Yes. Many insurers in Alabama use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Alabama?
Only if a court or the state requires one, usually after a serious violation or a lapse. Ask the Alabama Law Enforcement Agency's Driver License Division whether you need an SR-22 to reinstate your license and for how long, since the state sets the filing period.