Cheap Car Insurance in Alabama
Whether you live along the Gulf Coast in Mobile or up in Huntsville, Alabama offers plenty of adventures within driving distance. Before you get behind the wheel, it’s important to make sure you have the right auto insurance coverage. EagleWay Auto Insurance is proud to offer cheap car insurance in Alabama. Learn which coverages are mandatory, which are optional, and how EagleWay can help you save. Get a free quote today to see how much money you could save.
Alabama Car Insurance Laws
Do you have to have car insurance in Alabama?
Alabama law requires all drivers to maintain continuous liability insurance for any vehicle registered in the state. Minimum liability coverage limits are expressed as three numbers in thousands of dollars. In Alabama, the limits are 25/50/25.
Alabama Minimum Car Insurance Requirements
Here’s a quick breakdown by coverage type:
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage protects you if you cause an accident that injures another person. | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability Coverage helps repair or replace property you damage in an accident. | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) helps cover your medical bills if the other driver has no or insufficient coverage. | Not required. |
| Medical Payments Coverage (Med Pay) helps cover your medical expenses after an accident, regardless of fault. | Not required. |
| Collision Coverage helps repair or replace your vehicle after a collision. | Not required.¹ |
| Comprehensive Coverage covers damage from fire, flood, vandalism, falling objects, or animal collisions. | Not required.¹ |
IMPORTANT NOTE: Liability coverage meets Alabama law but doesn’t fully protect you or your vehicle.
Additional coverage like UM/UIM, collision, and comprehensive is recommended.
¹Coverage may be required by your lender if you lease or finance your vehicle.
Additional Coverage Options
Optional coverages for Alabama drivers include:
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Alabama Proof of Financial Responsibility and Penalties
What if I don't meet Alabama’s minimum car insurance requirements?
First-time driving without insurance can result in a fine of up to $500, registration suspension, a $200 registration reinstatement fee, and potential SR-22 requirements. Penalties increase for second or subsequent offenses.
Penalties for Driving with a Suspended License in Alabama
Driving without a valid license in Alabama can result in fines, jail time, or both. The exact penalty depends on the offense and your circumstances.
SR-22 Insurance in Alabama
High-risk drivers may need to file an SR-22 to prove financial responsibility. This can be required if you’ve failed to maintain proper liability coverage, committed serious driving violations, or were convicted of a DUI/DWI. EagleWay Auto Insurance can help you file an SR-22 and stay compliant.
High-Risk Auto Insurance in Alabama
Drivers with violations or a poor driving record may be considered high-risk. While some insurers avoid these drivers, EagleWay Auto Insurance provides non-standard coverage, offering financial protection and affordable rates even for high-risk drivers.
Where can I find the cheapest car insurance rates in Alabama?
Car insurance costs depend on factors such as:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much and where you drive
- Your demographics
- Your driving record
- Your credit history
EagleWay Auto Insurance helps Alabama drivers find affordable coverage, including options for high-risk drivers. Get a free quote and work with an EagleWay agent to create a plan that meets state requirements and fits your needs.