To fulfill Alabama car insurance laws, you must have liability insurance to help pay for any damages or injuries you may cause to others in a car accident.
Your liability coverage must include the following minimums:
When shopping for car insurance, consider these optional types of coverage:
NOTE: If your car is being financed or leased, you may be required to buy collision and comprehensive coverage as part of your finance agreement.
If you are caught driving without proper Alabama car insurance, you face the following penalties:
If your vehicle registration is suspended due to a car insurance violation you will have to pay the following fees to have it reinstated:
When you have your driver’s license reinstated after a suspension, you may be required to file an SR22 with the state.
SR22 certificate is not insurance; it is a form of proof of insurance that guarantees you will maintain the minimum requirements for car insurance, all the while making it legal for you to drive.
Liability car insurance is required in Alabama, therefore, all licensed drivers are guaranteed access to car insurance. However, auto insurance companies are afforded the right to deny coverage to high-risk drivers.
Through the ALAIP, Alabama car insurance companies share the risk associated with high-risk drivers . You can apply to the ALAIP through any Alabama car insurance agent.
We have been helping drivers find cheap car insurance, SR-22, andmotorcycle insurance since 2001.