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Alabama Car Insurance

Alabama’s roads are filled with natural beauty and historical landmarks, making it an ideal destination for drivers eager to explore scenic routes and charming towns. With so many attractions and the importance of road safety, Alabamians should have high-quality auto insurance to protect themselves and their vehicles while navigating the state's roadways.

Amica offers customized Alabama car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Alabama’s auto insurance requirements

In Alabama, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $20,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you’re responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering, and lost wages. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else’s property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitation and exclusions.

It’s important to understand that these are just the minimum requirements, and Alabama drivers may choose higher coverage limits for added protection.

Additional Alabama car coverage considerations

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Alabama drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you’re hurt in a car accident and the responsible party either doesn’t have insurance, or doesn’t have enough insurance. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your lease or loan and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your vehicle unstuck from the mud or snow.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

What affects your Alabama auto insurance rates?

There are several factors that impact auto insurance in Alabama, including individual circumstances, location, weather patterns and more. Consider these key points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Alabama drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums.
  • Coverage options and limits: The types and amounts of coverage you choose affects your premiums. Opting for the minimum required coverage in Alabama tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
  • Vehicle type: The make and model of your vehicle can influence your rates in Alabama. Safety ratings, repair costs and the likelihood of theft contribute to premium calculations. 
  • Claims in Alabama: Insurance rates may be influenced by the frequency and severity of claims filed within the state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Alabama.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Alabama car insurance discounts for more savings

Amica offers various auto insurance discounts to help Alabama drivers save more money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Alabama policy premium up front.

If you’re an Alabama driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Alabama

Fun facts about Alabama:

  • Mercedes-Benz U.S. International, Inc., located in Tuscaloosa County, is the first major Mercedes-Benz plant in the U.S., employing over 6,000 people.2 
  • The Festival of the Cranes is held annually in Decatur to celebrate their winter migration. Activities include a bird walk, art exhibits and live shows.3 
  • Montgomery, Alabama, was an early adopter of the electric streetcar system. The Capital City Street Railway, nicknamed the Lightning Route, was established in 1886.4

Facts about driving in Alabama:

  • Your Alabama driver's license expires four years from the issue date, as shown on the license. It can be renewed within 180 days before expiration at Probate Judge offices, License Commissioner offices, DL Examining offices, self-serve kiosks or through the Alabama Online Driver License Issuance System.5
  • Alabama law requires that headlights, not just parking lights, must be used from a half-hour after sunset to a half-hour before sunrise and during other times of limited visibility when clear vision for at least 500 feet is impaired.5
  • Alabama law restricts the use of a wireless device for writing, sending or reading text messages, instant messages or emails while driving a motor vehicle.5

How to get car insurance in Alabama

We’re here to guide you through the process of personalizing your car insurance in Alabama. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Alabama drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get an auto insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Alabama drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 About Mercedes-Benz U.S. International, Inc. (MBUSI)
3 Wheeler Wildlife Refuge Association
4 41 Alabama Facts They Never Taught You In School
5 Alabama Driver Manual
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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