Alabama Auto Insurance Requirements
As a “Tort” state, all drivers residing in Alabama are financially responsible for all damages and personal injuries they cause in an auto accident. To prove your financial responsibility, you can do one of many things:
- Purchase an automobile liability policy with minimum coverage amounts of 20/40/10 (see the chart below).
- Purchase an automobile liability bond for at least $50,000
- Make a cash deposit with the State Treasurer for no less than $50,000.
Regardless of your choice, you will need to carry proof with you in your vehicle at all times. If you choose to purchase auto insurance, your insurance company will send you an identification card or other document that lists the policy number, automobiles and drivers insured under your policy, and the policy's expiration date. Alabama officials survey residents on a regular basis for such proof. If you do not have proof, you will be fined, and the Department of Revenue may suspend your vehicle's tags.
Alabama drivers can choose to increase their auto protection by adding optional comprehensive, collision, uninsured/underinsured motorist, and/or medical payments coverages.
| Coverage Type |
Required? |
Minimum Coverage Amount Required |
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You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.
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Auto Insurance for Leased Vehicles in Alabama (AL)
Most leasing companies in Alabama typically require drivers to maintain insurance coverage which exceeds the minimums set by Alabama state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Special Insurance Considerations for Drivers in Alabama by City
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Contacts for Auto Insurance Information in Alabama
Alabama Department of Revenue: Motor Vehicles
50 North Ripley Street
Montgomery, AL 36104
www.revenue.alabama.gov/motorvehicle/index.html |
Alabama Department of Insurance
PO Box 303351
Montgomery, AL 36310-3351
www.aldoi.gov |
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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