Minimum Car Insurance in Alabama
The liability limits Alabama requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Alabama's Mandatory Liability Insurance Law says no one may operate, register or keep registered a motor vehicle unless it is covered by a liability policy from an insurer licensed in Alabama, with limits of at least $25,000 for death or bodily injury to one person, $50,000 for death or… Alabama Department of Insurance, Automobile Insurance FAQs; Alabama Department of Revenue, Mandatory Liability Insurance brochure
| Minimum coverage required | Alabama's Mandatory Liability Insurance Law says no one may operate, register or keep registered a motor vehicle unless it is covered by a liability policy from an insurer licensed in Alabama, with limits of at least $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more people, and $25,000 for property damage (25/50/25). Minimum liability insurance is required on all self-propelled motor vehicles; some vehicles, such as trailers, government-owned vehicles and vehicles covered under a commercial auto liability policy, are exempt (Ala. Code § 32-7A-5 lists other exemptions). |
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| At-fault or no-fault | Alabama is an at-fault (tort) state: the Alabama Department of Insurance lists Alabama among the "Tort States," where the driver who causes an accident (and that driver's liability insurer) is responsible for the resulting injuries and damage. Alabama is not listed as a no-fault state or as a state where personal injury protection is required. |
| Uninsured motorist coverage | Alabama law reflects a public policy of requiring minimum amounts of uninsured/underinsured motorist (UM) coverage to be provided in every automobile liability policy (Ala. Code § 32-7-23). In a 2010 bulletin the Department of Insurance said policy "setoff" provisions cannot reduce UM benefits paid below the statutory minimum, which it stated was $25,000 per person. |
More Alabama car insurance & vehicle laws
- Driving Without Insurance in Alabama
- SR-22 Insurance in Alabama
- When a Car Is a Total Loss in Alabama
- Transferring a Car Title in Alabama
- All Alabama car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Alabama?
Alabama's Mandatory Liability Insurance Law says no one may operate, register or keep registered a motor vehicle unless it is covered by a liability policy from an insurer licensed in Alabama, with limits of at least $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more people, and $25,000 for property damage (25/50/25). Minimum liability insurance is required on all self-propelled motor vehicles; some vehicles, such as trailers, government-owned vehicles and vehicles covered under a commercial auto liability policy, are exempt (Ala. Code § 32-7A-5 lists other exemptions).
Is Alabama a no-fault car insurance state?
Alabama is an at-fault (tort) state: the Alabama Department of Insurance lists Alabama among the "Tort States," where the driver who causes an accident (and that driver's liability insurer) is responsible for the resulting injuries and damage. Alabama is not listed as a no-fault state or as a state where personal injury protection is required.
Is uninsured motorist coverage required in Alabama?
Alabama law reflects a public policy of requiring minimum amounts of uninsured/underinsured motorist (UM) coverage to be provided in every automobile liability policy (Ala. Code § 32-7-23). In a 2010 bulletin the Department of Insurance said policy "setoff" provisions cannot reduce UM benefits paid below the statutory minimum, which it stated was $25,000 per person.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.