State
Guide
Alabama Insurance
Affordable rates but high uninsured driver risks. Learn about Alabama's insurance landscape.
State Minimums (25/50/25)
Alabama requires $25,000/$50,000/$25,000 liability coverage. Unlike "No-Fault" states, Alabama uses a traditional Tort System, meaning you can be sued for everything you own if you cause an accident.
Uninsured Motorist Risk
Nearly 20% of Alabama drivers are uninsured. We strongly recommend adding Uninsured Motorist (UM) coverage to your policy. It costs very little and protects you from the 1-in-5 drivers who have no coverage.