Known as "The Heart of Dixie," Alabama certainly has a lot of heart. The state's significant role in the Civil War, Civil Rights Movement and blues music proves Alabama's patriotic passion.
Alabama: Cheapest Car Insurance
Requirement : Yes
Car insurance is required in Alabama . Drivers must have a minimum of liability insurance.
Minimum Coverage Car Insurance Requirements:
A minimum liability insurance policy is required:
Other Car Insurance Coverage Options:
Liability coverage is the only requirement for Alabama motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance with your vehicle at all times, you must also have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.
The card will include:
Getting Pulled Over:
Violations, Fines & Penalties:
You are required to have proof of car insurance in the state of Alabama , if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following fines:
If your registration is suspended due to a car insurance violation the following fees have to be paid before your registration is reinstated:
An SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
Credit Scores & Determining Your Insurance Premium :
All licensed drivers in the state of Alabama are guaranteed access to car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Alabama Auto Insurance Plan (AAIP).
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Alabama:
It is illegal to text, instant message, or send emails while driving. Individuals of 16 or 17 years old, and have held a license for under 6 months may not use a cellphone, or mobile device while driving.