Alabama Car Insurance

Car Insurance in Alabama

In the state of Alabama you can satisfy the states requirements of financial responsibility two ways. The easiest way is by securing an auto insurance policy through a state licensed insurance company. The other way is by providing the Department of Revenue the necessary information listed under the alternatives tab. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Alabama online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Alabama requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$25,000 injury liability for one person
$50,000 for all injuries in one accident
$25,000 property damage in one accident

Accepted proof of insurance:

An insurance card, premium receipt, binder, declarations page, or a certificate of liability policy from your provider.
A copy of your liability insurance policy.
A copy of your Motor Vehicle Liability Bond.
A copy of your Certificate of Cash Bond.

Need a quote? Use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Alabama you can contact the Alabama Department of Revenue at 334.242.1170 or visit the Alabama Department of Revenue web site.

Outside of purchasing auto insurance to meet your financial responsibilities in the state of Alabama you can apply  for the following insurance alternatives. These alternative options will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter.

Approved insurance alternatives:

Obtain a Motor Vehicle Liability Bond for no less than $50,000.
Obtain a Certificate of Cash Bond for no less than $50,000.

Want to compare alternative cost with insurance? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Alabama you can contact the Alabama Department of Revenue at 334.242.1170 or visit the Alabama Department of Revenue web site.

The state of Alabama takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway unless it is covered by a liability insurance policy, a commercial automobile liability insurance policy, motor vehicle liability bond, or deposit of cash.

Anyone convicted of violating this provision will be subject to a maximum fine of $500 for the first offense. Subsequent offenses carry a maximum fine of $1,000 and/or suspension of the person’s driver’s license for up to six months.

Don't be that guy. Get auto insurance and know your covered? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Alabama you can contact the Alabama Department of Revenue at 334.242.1170 or visit the Alabama Department of Revenue web site.