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Alabama Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Alabama. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Alabama.

AL Auto Insurance Laws and Regulations:

Alabama Dept. of Insurance
201 Monroe St., Suite 1700
Montgomery, AL 36104

Minimum Car Insurance Coverage in AL:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

AL Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


AL Uninsured Penalties:

In Alabama, driving without the mandatory liability insurance needed for a vehicle is termed a MLI violation. When you are given a citation in AL for a MLI violation and the conviction is final, the court will notify the department of revenue. This state agency will then suspend your license plate registration.

For a first time license plate registration suspension in Alabama you can immediately get it reinstated if you pay a reinstatement fee of $100 and show current proof of insurance. If it is your second or subsequent time with a registration suspension there will be a 4 month suspension in addition to a $200 reinstatement fee, plus the need for proof of insurance.

Beyond the registration suspension, any owner or operator of a vehicle convicted of a MIL violation may be fined up to $500 for the first offense. If convicted a second or subsequent time the fine may be up to $1,000 or a 6 month driver's license suspension or both.


AL Department of Insurance Contact Information:

1-334-269-3550

AL State Insurance Department Website:





Directory of Alabama Auto Insurance Agents by County

Autauga
Baldwin
Barbour
Bibb
Blount
Bullock
Butler
Calhoun
Chambers
Cherokee
Chilton
Choctaw
Clarke
Clay
Cleburne
Coffee
Colbert
Conecuh
Coosa
Covington
Crenshaw
Cullman
Dale
Dallas
De Kalb
Elmore
Escambia
Etowah
Fayette
Franklin
Geneva
Greene
Hale
Henry
Houston
Jackson
Jefferson
Lamar
Lauderdale
Lawrence
Lee
Limestone
Lowndes
Macon
Madison
Marengo
Marion
Marshall
Mobile
Monroe
Montgomery
Morgan
Perry
Pickens
Pike
Randolph
Russell
Saint Clair
Shelby
Sumter
Talladega
Tallapoosa
Tuscaloosa
Walker
Washington
Wilcox
Winston

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