Affordable Alabama car insurance that puts you first
Root rewards Alabama drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Alabama auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Alabama auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Yellowhammer State
Alabama roads take you from Birmingham’s busy corridors to Gulf Coast causeways and Appalachian foothills. Whether you’re commuting in Huntsville or heading south from Montgomery toward Mobile, there’s plenty of Alabama to cover.
Around Birmingham: I-65 and I-20/459 carry drivers through the metro, while Highway 280 is a familiar route through Birmingham’s southern suburbs.
Across Alabama: I-65 connects Huntsville, Birmingham, Montgomery, and Mobile, while Auburn, Tuscaloosa, and Gulf Shores add plenty of destinations beyond the interstate.
Check the road ahead: The Alabama Department of Transportation provides traffic and transportation information for drivers across the state.
From Birmingham to Montgomery and beyond: Explore Alabama car insurance from Root.
Alabama's minimum auto insurance requirements
To legally operate a vehicle in Alabama, you must carry Liability insurance for both bodily injury and property damage.
The minimum coverage amounts for liability car insurance required for drivers in Alabama are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Types of Alabama auto insurance we offer
Explore our Alabama car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Alabama?
The average Alabama driver pays $2,116 per year for full coverage car insurance [2].
Root customers looking to purchase Alabama car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Alabama Auto Insurance FAQs
What is the minimum car insurance required in Alabama?
To legally operate a vehicle in Alabama, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Alabama.
Is it legal to drive without insurance in Alabama?
No, you cannot legally drive without auto insurance in Alabama. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your vehicle registration could be suspended.
Do you need insurance to register a vehicle in Alabama?
Yes. Alabama requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Alabama?
The easiest ways to save on your Alabama car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Yellowhammer State.
Is Alabama a no-fault car insurance state?
No, Alabama is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Alabama?
Alabama law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Alabama?
No, Alabama drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UM/UIM coverage in Alabama to help pay for injuries when the at-fault driver has no insurance or insufficient coverage. Insurers in Alabama must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Alabama?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Alabama?
High-risk Alabama drivers may be ordered by a court or the Alabama Law Enforcement Agency to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What happens if I'm partly at fault for a car accident in Alabama?
Alabama is one of the few states that follow a pure contributory negligence rule. If you're found even 1% responsible for a crash, you generally can't collect damages from the other driver's insurance. Because of that, it's worth considering coverage that protects you regardless of fault, like MedPay for injuries and collision for your vehicle.
Does Alabama have a hands-free driving law?
Yes, Alabama has a hands-free driving law. Since June 15, 2023, Alabama drivers can't hold a phone or other electronic device while driving. It's a secondary offense, which means you'd have to be pulled over for another violation first. A first offense can mean a fine of up to $50 and a point on your driving record, and points can raise your car insurance rate.
Helpful resources for Alabama drivers
Alabama Law Enforcement Agency
The Alabama Law Enforcement Agency runs the state's Driver License Division, which issues driver's licenses and ID cards, administers driving tests, and maintains driving records.
Alabama Department of Transportation
ALDOT plans, builds, and maintains Alabama's state highways and transportation network.
Alabama Department of Revenue Motor Vehicle Division
The Alabama Department of Revenue issues vehicle titles and license plates, manages registrations, and verifies mandatory liability insurance.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Alabama Department of Insurance. Automobile Insurance FAQs.
Insure.com. Annual average rates were compiled in 2026.