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Cheap Car Insurance In Alabama

IIf the place you call home is anywhere across the Cotton state, you’re in luck! SafeAuto provides cheap auto insurance across the state of Alabama that fits your life and budget while maintaining the coverage that meets Alabama’s minimum requirements for an auto policy. Whether your “Sweet Home” is in Mobile, Muscle Shoals, or anywhere in between, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free car insurance quote, and join the SafeAuto family today! 

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Required minimum auto insurance coverages in Alabama

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000

Alabama’s law requires you to maintain liability limits of at least: 

The first number is the maximum amount that your policy will pay for bodily injury to or death of one person in any one accident

The maximum amount that your policy will pay for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit.

The maximum amount that your policy will pay for damage to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

Under Alabama law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.

Insurance companies are required to notify the Alabama Department of Insurance Commissioner whenever a policy is issued, cancels, or non-renews. The Department will then request verification of coverage from you.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, ranging from first-offense penalties of suspension of vehicle registration and driver’s license and those penalties associated with a Class C misdemeanor.

In addition to these statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after a conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.


SafeAuto offers affordable Alabama car insurance throughout the entire Cotton state! If you are looking for more information across the state of Alabama, more material can be found below.

Related Alabama Insurance Requirement Information:

Alabama Motor Vehicle Division
Alabama Division of Driver Licensing

SafeAuto loves to save you money on your car insurance. That’s why SafeAuto is the Insurance for the Rest of Us. We’d be happy to have you be a part of the SafeAuto family while you’re enjoying the road ahead!  

If you have any further car insurance questions please visit our FAQ page or contact the SafeAuto Customer Service Department at