The state of Alabama takes pride in its history, geography, and Lynyrd Skynyrd lyrics, but it also has its own regulations surrounding automobile insurance.
Whether you call Alabama your sweet home or you’re just passing through, here’s everything that you should know about Alabama car insurance coverage.
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As is the case with all auto insurance policies, there is a state-mandated minimum coverage amount.
The Mandatory Liability Insurance Act (MLI) of Alabama requires that your car insurance policy include:
If you drive without carrying the legal minimum insurance in Alabama, there can be significant penalties. They may include:
Beyond the legal ramifications, you are left extremely vulnerable in the event of an accident if you don’t maintain adequate car insurance.
Remember that the minimum coverage is just that: the minimum that you need to have in order to drive. Most insurance companies in Alabama will offer comprehensive plans that offer more extensive coverage, which can better protect you should something happen.
It’s also important to note that if your vehicle is leased or financed, you may be required to maintain more than the minimum amount of coverage, such as comprehensive and collision coverage. In this case, you might also want to consider getting gap coverage, which helps cover the cost of what you owe on your leased/financed vehicle if it’s stolen or totaled and you owe more than what it’s now worth with depreciation.
The cost of car insurance depends on a variety of factors. Your individual driving record, age, gender, vehicle make, location, and more are considered to come up with your individualized quote. But each insurance provider also has their own algorithm for calculating insurance quotes, so you will get different insurance quotes per provider (even though your information is the same for each quote).
In Alabama, you can expect to see relatively low rates compared to other states. In fact, as of 2022, the average costs of car insurance in Alabama are:
These numbers provide a baseline for what to expect in terms of insurance rates in Alabama. But you’ll have to be proactive if you want to save money on car insurance. Get in touch with an insurance agent who can help you to find the best policy for the best price or start browsing quotes online to get an idea of what you’ll pay.
Or turn to ConsumerCoverage for access to free Alabama car insurance quotes, fast.
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Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Whether you’re new to the state or are a seasoned local, residents can take comfort in the fact that affordable car insurance in Alabama is more than possible and just a few clicks away. You can also help keep your rates low by maintaining a clean driving record and following state driving regulations. You might not be able to control the heat and humidity in Alabama, but you can control your car insurance costs and that’s no small feat!
Keep in mind that there’s no best car insurance for everyone because the best can mean different things to everyone. Some care more about getting the cheapest insurance possible, while others care more about excellent customer service or ease in getting claims paid. The best auto insurance in Alabama for you might be a variety of factors, which is why reviewing your options, quotes, and coverage is so important.
ConsumerCoverage has your back. Reach out today for access to free quotes and start saving on your auto insurance in Alabama right away.
Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.
