Last Updated 9th of August, 2010

What is the state requirement for auto insurance in Alabama?

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Each motor vehicle that you operate in Alabama (AL) is required to have adequate auto insurance coverage, particularly liability insurance. You cannot register your car in AL without proof of car insurance.

Required Auto Insurance in Alabama

Minimum liability insurance in AL is as follows:

  • Injury to one person: $25,000
  • Injury to two or more people: $50,000
  • Property damages: $25,000
NOTE: Alabama does not require personal injury protection (PIP), though because of its benefits, you might want to talk with your insurance agent about purchasing it.

Proof of Car Insurance in Alabama

Not only must you have adequate car insurance in AL, whenever you drive in the state you must carry proof that you have the insurance.  Acceptable documents that serve as proof of auto insurance in AL are:

  • Valid insurance card (temporary or permanent).
  • Premium receipt or actual insurance policy (with start and end dates).
  • Certificate of liability motor vehicle insurance.
  • Motor vehicle rental agreement declaring that the car meets minimum insurance requirements.
You can also get a $50,000 or greater liability bond on your car. Another alternative for car insurance in AL is a deposit of cash ($50,000 minimum). Deposits of cash are obtained through the AL State Treasurer.

Penalties for Driving Without Liability Insurance

Driving without the minimum level of liability insurance in AL will cost you. Fines and penalties include:

  • Auto license plate and tag suspension.
  • $100 fee to reinstate the license plate and registration (for the first violation).
  • Four-month license plate and auto registration suspension (for second and subsequent violations).
  • $200 fee to reinstate the license plate and registration (for the second and subsequent violations).

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