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Alabama Auto Insurance

If your "Sweet Home" is in Mobile, Montgomery or anywhere in between, SafeAuto wants to help you find auto insurance. While SafeAuto does not currently offer coverage directly in Alabama, we can still help you find the affordable coverage you need.

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    GET YOUR QUOTE TODAY

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    JOIN THE SAFEAUTO FAMILY

  • Enjoy the road ahead

    ENJOY THE ROAD AHEAD!

REQUIRED 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 Financial Responsibility law requires you to maintain liability limits of at least:

$25,000 | Bodily Injury per Person

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.

$50,000 | Bodily Injury per 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.

$25,000 | Property Damage

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 conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility .

Alabama Regional Auto Insurance

You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

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

RELATED LINKS

Alabama Motor Vehicle Division

Play it Safe with SafeAuto Insurance

Flexible plans and affordable state minimum coverage? Now that’s insurance for the rest of us. Have a question for us at SafeAuto? Need to start your policy? Just want to talk? Call us at 1-800-SAFEAUTO to speak to a real person, not a robot, any time or email us at customerservice@safeauto.com. For common questions, please consult our FAQ page.