Quick Answer: Does the state of Alabama require auto insurance?

In Alabama, the state’s Mandatory Liability Insurance law requires vehicle owners to have the following minimum amounts of liability car insurance coverage: $25,000 for bodily injury liability per person injured in an accident you cause. … $25,000 for property damage per accident you cause.

What car insurance is required by law in Alabama?

The bare minimum car insurance requirement for Alabama drivers is: $25,000 bodily injury per person per accident. $50,000 bodily injury for all persons per accident. $25,000 property damage liability.

What is the penalty for not having car insurance in Alabama?

Driving without insurance in Alabama is considered a misdemeanor and carries a fine from $500 to $1,000. You may also have your driver’s license and vehicle registration suspended for 180 days or more and have to serve three to six months in jail if caught driving uninsured.

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What insurance do I need in Alabama?

To register and operate a vehicle in Alabama, your auto insurance coverage must meet the following minimum requirements:

  • Bodily injury liability: $25,000 per person and $50,000 per accident.
  • Property damage liability: $25,000 per person.

What is the minimum requirement for auto insurance in Alabama?

Minimum insurance requirements for Alabama

The minimum amount of Alabama auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident.

What happens if the person at fault in an accident has no insurance in Alabama?

Civil Penalties

The penalties of violating the new law require an uninsured motorist involved in an accident to face the following civil penalty fines: $200 for the first offense. $300 for the second offense. $400 for each subsequent offense.

How long do I have to get insurance on a used car in Alabama?

The Alabama new-car insurance grace period is 2 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy.

What happens if you don’t have insurance in Alabama?

Alabama requires every driver to have car insurance — and driving without it is a misdemeanor. If caught, the state may charge a fine of $500–$1,000, suspend your driver’s license and registration for 180 days, and even send you to jail for three to six months.

Is Alabama a no fault accident state?

No, Alabama is not a no-fault state. Alabama is an at-fault (or “tort”) state. That means the driver who causes an accident uses their insurance to pay for the other driver’s bills from the collision. Police and insurance companies use the available evidence to decide who is at fault for the accident.

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Can you get a tag without insurance in Alabama?

A. Madison County License Director Mark Craig said Alabama law does not require motorists to show proof of liability insurance or even a driver’s license to buy a car tag. … Also, the state’s mandatory automobile liability insurance says drivers must carry proof of insurance inside their vehicle.

Do you have to have liability insurance in Alabama?

In Alabama, the state’s Mandatory Liability Insurance law requires vehicle owners to have the following minimum amounts of liability car insurance coverage: … $50,000 for total bodily injury liability when two or more people are injured in an accident you cause, and. $25,000 for property damage per accident you cause.

What is full coverage insurance in Alabama?

Full coverage insurance in Alabama is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.

Who has the cheapest car insurance in Alabama?

Cheapest Car Insurance in Alabama

Cheapest Companies Quotes
State Farm $64/mo
Allstate $83/mo
GEICO $100/mo
Travelers $106/mo

What is the average cost of auto insurance in Alabama?

Car insurance is affordable in Alabama. The average car insurance premium in Alabama is $1,358 per year — 4.9% less than the national average. But auto insurance costs are affected by more than just location.

When did Alabama require auto insurance?

Alabama’s Mandatory Liability Insurance law requires certain levels of coverage for vehicles driven in the state. The law went into effect Jan. 1, 2000.

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