Alabama car insurance

For reliable and affordable car insurance in Alabama, roll with Progressive. Find out more about Alabama's auto insurance requirements, available discounts, and optional coverages that can offer sound protection for you and your assets.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Alabama's minimum auto insurance requirements?

Drivers in Alabama are legally required to have auto liability coverage (BI liability and PD liability) at the following minimum limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

While these are Alabama's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Alabama a no-fault state?

No. Alabama is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Alabama?

The average cost of a six-month liability-only policy in a medium-cost state like Alabama is $105 per month.^* Rates vary based on many factors, including your driving history and coverage selections. Learn more about the factors that influence car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^† Get an auto insurance quote today.

What is the best car insurance in Alabama?

Finding the best car insurance in Alabama means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Alabama get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in Alabama, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $775 on average^††
GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in Alabama?

To lower your car insurance cost in Alabama, you may qualify for the following discounts through Progressive:

Multi-policy
Paid in full
Multi-car
Three-year safe driving
Homeowner
Online signature
Online quote

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Alabama is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Alabama's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Alabama driving resources

From Huntsville to Mobile, get to know Alabama's driving laws and resources. Local municipalities may have additional laws and resources.

Alabama Motor Vehicle Division: Find out how to get or renew your Alabama license and registration.
Alabama DoT Traffic Safety: Review Alabama's "code of the road" which includes the importance of being alert, driving sober, making room for motorcycles, minimizing distracted driving, and other safe driving behaviors.
Alabama license FAQs: Find driver's license information such as what documents are required, license requirements, obtaining driving records, and additional information about Alabama driver services.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.