Alabama Car Insurance
Drivers in Alabama need auto insurance and the State of Alabama has certain minimum car insurance requirements all drivers must meet in order to avoid a fine or even possibly vehicle registration and/or driver’s license suspension.
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How much Auto Insurance do I need in Alabama?
Understanding state laws is important when it comes to auto insurance as every state has different car insurance requirements. Alabama drivers are required to have at least the following minimum levels of coverage:
- $25,000 bodily injury labiality for accidents involving one person
- $50,000 liability insurance per accident (all persons)
- $25,000 property damage coverage
Although these limits may seem high they are reasonable at best. Any kind of serious accident and you can quickly incur costs much greater than your car insurance policy limits. Additionally liability insurance only covers damage pertaining to other people’s vehicles and does not provide any coverage for you or your car. Most Alabama drivers opt for full coverage car insurance which includes a well-rounded policy with comprehensive, collision and liability insurance with policy limits often exceeding $100,000.
Alabama DUI Laws
Alabama takes DUI very serious and any driver found to have a blood alcohol content (BAC) level of 0.08% or higher will be arrested for a DUI. Unlike other states a first time DUI offender in Alabama will automatically have their drivers licenses revoked for 90 days.
Does Alabama have the SR-22 requirement for high risk drivers?
Yes and the SR-22 could be applied for a wide range of reasons including driving under the influence, operating a vehicle with no car insurance in a car accident and others. In fact, Alabama driver who cannot show proof of insurance may be obligated to file the SR-22 form for 1 year and this can pose a serious obstacle in finding affordable car insurance.
Alabama Teenage Driver Laws
Drivers in Alabama can get their license at 16 years of age however younger drivers aged 15 can obtain a restricted driver’s license.
How much is Alabama Car Insurance per month?
Alabama car insurance rates run around 5% lower than the national average with most good drivers paying around $1,380 annually in car insurance premiums. However Alabama is a very competitive state and shopping around for car insurance can lead to even lower car insurance for drivers with a low risk profile.
Who has the best Alabama Auto Insurance Rates?
Alabama is home to over 120 car insurance companies so your choices are vast for auto insurance. The best way to find the most affordable car insurance rates in Alabama is to compare car insurance companies and we can help. Simply enter your ZIP code above and get free Alabama car insurance quotes by ZIP code today!
