Answers
Bundle property and save an average of 5% on auto in most states!Δ list with 3 items
Or, quote another product list with 37 items
AL
Alabama car insurance
Getting car insurance in Alabama
Alabama drivers deal with crowded stretches of I-65 and I-20, severe storms, and changing conditions near the Gulf Coast. Progressive helps you explore coverage options, so you're prepared for whatever the road throws at you. To get started, use our rate comparison tool to compare your Progressive quote with rates from other insurers. Get a quote today and see how we can help.
Jump to section:
What are the minimum auto insurance requirements in Alabama?
Alabama requires drivers to carry bodily injury and property damage liability insurance. Auto policies generally include uninsured/underinsured motorist bodily injury coverage (UMBI). However, you can reject this coverage if you don't want it. Here are the state's minimum limits for required coverages.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$25,000 per person |
|
Property damage liability |
Damage you cause to someone else's vehicle or other property in an accident |
$25,000 per accident |
While these are Alabama's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.
Switch and save with Progressive
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $950 on average.* Get an auto insurance quote today.
Car insurance discounts in Alabama
Progressive offers several ways to save on car insurance in Alabama. Popular discounts include:
-
Savings!Bundle & save
Save when you have more than one type of insurance policy with Progressive. You may qualify when you combine auto insurance with home, renters, motorcycle, boat, or another eligible policy.
-
Online quote
Save when you start your auto insurance quote online. You may still qualify if a licensed Progressive representative finishes the quote with you by phone.
-
Multi-car
Save when you have more than one vehicle listed on your auto policy. Vehicles belonging to a spouse, family member, or roommate may qualify if they're primarily kept at your address.
What is the average cost of car insurance in Alabama?
Drivers in medium-cost states like Alabama pay an average of $112.80 per month for a liability-only policy from Progressive in 2025.† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.
Factors that impact your auto insurance rate in Alabama
Several factors affect how much you pay for auto insurance in Alabama, including:
- Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
- Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
- Location: Rates may reflect traffic, theft, and claim frequency where you live. Drivers in Alabama's larger metro areas, like Birmingham, may face different traffic and claim risks than drivers in more rural parts of the state.
- Vehicle use: How often and how far you drive may affect your rate.
- Household members: Who has access to or operates your vehicles may affect your rate.
- Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.
Recommended additional auto insurance coverages in Alabama
Alabama's required liability coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.
Coverage
|
Coverage |
What it covers |
|---|---|
|
Comprehensive |
Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events |
|
Collision |
Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object |
|
Medical payments |
Covered medical and funeral expenses for you or others injured while riding in or driving your vehicle, regardless of fault |
|
Uninsured/underinsured motorist bodily injury |
Covers your medical expenses after an accident caused by a driver with little or no insurance. |
Comprehensive coverage may be especially useful for damage caused by severe weather, flooding, or other non-collision events. If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.
Alabama driving resources
Use these resources to learn more about Alabama driving laws, insurance requirements, vehicle registration, driver services, and current road conditions.
- Alabama Department of Revenue (ALDOR): Find information about vehicle registration, mandatory liability insurance, insurance verification, and other motor vehicle services.
- Alabama Department of Insurance: Review auto insurance requirements, coverage information, consumer guidance, and complaint resources.
- Alabama Law Enforcement Agency (ALEA): Find information about driver's licenses, driving records, crash reports, and license reinstatement.
- ALGO Traffic: Check current traffic, crashes, construction, road conditions, and live traffic cameras across Alabama.
How to get car insurance in Alabama with Progressive
Progressive gives Alabama drivers several ways to compare coverage options and get an auto insurance quote. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.
-
Go online
We ask easy questions, and you customize your coverages.
-
Call a rep
Talk with a licensed representative who can guide you through the process.
-
Through an agent
Connect with an independent agent in your area.
Alabama car insurance FAQs
What else needs protection in Alabama?
