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alabama car insurance

Esurance is proud to offer car insurance in Alabama. With our hassle-free website and affordable car insurance rates, we're confident that all Yellowhammer State residents will benefit from our top-notch coverage and service.

You can get a free Alabama car insurance quote in minutes, gaining instant access to our interactive online tools like Express Lane®, which helps you get a more accurate quote by doing some of the research for you.

Esurance embraces technology to make the insurance process transparent and easy to understand, but we also have reps available 24/7 to help guide you through the process and answer any questions you may have.

Alabama car insurance discounts from Esurance

Whether you live in Mobile, Montgomery, or anywhere else in the Heart of Dixie, Alabamians may benefit from these money-saving discounts:

  • Claim-Free discount
  • Defensive Driver discount
  • DriveSense™ discount
  • Fast 5® discount (for starting a quote online)
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Good Student discount

Discounts may vary. If you're a current Esurance customer and you have questions about your discounts, call us at 1-800-ESURANCE (1-800-378-7262).

Auto insurance coverages in Alabama

Required coverages

Alabama drivers are legally required to carry the following types of liability insurance:

  • $25,000/$50,000 bodily injury liability coverage ($25,000 per person, $50,000 per incident)
  • $25,000 property damage liability coverage

When shopping for car insurance, you may see these liability limits written as 25/50/25.

Optional coverages

Esurance customers can add any of the following coverages to their car insurance policies in Alabama. Some, like towing and labor, require you to add comprehensive and collision to your policy first. (But don't worry — we'll walk you through it when you get your quote.)

  • CarMatch Rental Coverage®
  • Comprehensive coverage
  • Collision coverage
  • Medical and funeral services payment coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Towing and labor coverage
  • Uninsured/underinsured motorist bodily injury coverage

E-star® car repair shops in Alabama

E-star shops are Esurance approved and recommended. If you're an Esurance customer and you take your damaged car to an E-star shop, you can track repairs through RepairView®.

Find a RepairView shop near you.

How your car insurance rate is determined

Several factors go into determining the cost of your Alabama auto insurance policy, including:

  • Driving record
  • Where you (and your cars) live
  • Gender
  • Age
  • Marital status
  • Previous insurance coverage
  • How often and how far you drive
  • Make and model of the cars on your policy

Insurance stats and facts for Alabama drivers

Uninsured drivers in Alabama

A recent report from the Insurance Research Council estimated that 22 percent of Alabama drivers were uninsured, well above the national average of 13.8 percent. Adding uninsured motorist coverage to your policy can help pay for damage when the at-fault driver doesn't have insurance.

No proof of insurance

As an Alabama resident, you'll need to provide proof of your Alabama car insurance anytime a police officer requests to see it. You could be fined $500 to $1,000 if you're convicted of driving uninsured.

Alternative insurance options

In order to legally drive without car insurance in Alabama, you'll need to make a deposit with the state or take out a Motor Vehicle Liability Bond (PDF) of no less than $50,000.

Related links

Sharing the road with large trucks
Learn why patience and awareness are so important when you're trailing along next to a semi-truck.

The Esurance Coverage Counselor®
We'll help you build your customized Alabama car insurance policy in just a few minutes.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262