Car Insurance in Alabama
With a population of nearly five million people, Alabama is a destination that makes great adventures. Alabama is a great place to call home but before you decide to drive in this state, you have to know about the car insurance online and get the best insurance quotes. This will protect you from future unforeseeable accidents or circumstances beyond your control.
Drivers in Alabama pay a little less than those in other states and it is always important to stay up to date with the car insurance in Alabama to find the best car insurance quotes.
Alabama Minimum Insurance Requirements
Alabama requires a minimum of 25/50/25 amount of liability car insurance for drivers and to register and operate a vehicle, your insurance coverage must meet the following requirements;
| Coverage | Requirements In Alabama |
| Bodily Injury Liability. Covers expenses arising from injuries or death of a driver or pedestrian when the accident is caused by you | $25,000 per person and 50,000 for multiple people per accident |
| Property Damage Liability. This covers expenses of damages to another person’s property when the accident is your fault | $25,000 per accident |
| State Law | Tort Law |
Alabama laws don’t require drivers to carry uninsured and underinsured motorist coverage, medical payments, collision and comprehensive coverage. However, they may be required by your lender in circumstances where you may be leasing your car.
People mostly choose higher amounts of insurance coverage that is the required state minimum. This is mostly to protect themselves from potential accidents.
Alabama Car Insurance Discounts
It is extremely important to enquire about insurance discounts in Alabama to reduce and save money. You can do this by comparing car insurance quotes among different car insurance companies since most of them have ways of reducing your premium.
These companies reduce premiums for good student discounts and numerous other discounts.
Since several factors determine car insurance in Alabama like credit history, age and more, to obtain the best rate possible, you have to shop around.
Driving Laws for Alabama Teenagers
There are three stages that one must go through to graduate the drivers’ license program. Once 15 years old, the teen has to pass a written exam to obtain a learner’s permit. This will allow them to drive with a parent, guardian or anyone who is licensed to drive and over 21.
When they reach 16 years, teen drivers may apply for a restricted license with the approval of their parents. These certify the completion of either a minimum of 30 hours of behind-the-wheel driving practice or a driver’s education course approved by the State Department of Education.
This license requires passing of the road skills exam and prohibits the driving between midnight and 6 am for those unaccompanied by a parent, guardian or licensed driver above 21.
Lastly, to apply for a regular license, 17-year-olds must have had the restricted license for a period of at least six months. However, those who have reached 18 have to apply for full license after having passed the roadside skills exam.
Other Laws
- Seat Belt Laws where it’s mandatory to wear a seatbelt when driving in Alabama.
- Alabama Distracted Driving Laws which state that texting while driving is banned in all of Alabama.