alabama car insurance
Here you'll find info on Alabama car insurance, from legal coverage requirements to Esurance coverages and money-saving discounts available to drivers in the Heart of Dixie.
Car insurance in Alabama
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.
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.
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
Esurance in Alabama
We first brought our technology-driven, customer-focused car insurance to Alabama in 2007. Ah, memories.
Discounts that Esurance offers when you buy a policy in Alabama
- Claim-Free discount
- Defensive Driver discount
- Fast 5® discount (for starting a quote online)
- Good Student discount
- Homeowners discount
- Multi-Car discount
- Paid in Full discount
- Switch & Save® 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).
Optional car insurance coverages in Alabama
Esurance customers can add any of the following coverages to their car insurance policies. 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.
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
Alabama driver info
Here's your source for tips on everything from getting your drivers license to keeping your traffic record clean.
The Esurance Coverage Counselor®
We'll help you build your customized Alabama car insurance policy in just a few minutes.