Alabama Car Insurance

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Whether you’re traveling along the Lookout Mountain Parkway, fishing off the Gulf Coast or even visiting historical sites in the capital city of Montgomery, experienced Alabama drivers like you can feel confident behind the wheel with the AARP® Auto Insurance Program from The Hartford.1 We’ll help you find the best car insurance in Alabama to fit your needs.
 
We’ve been protecting AARP members in Alabama and their families since 1984, earning a reputation for integrity and trust while gaining high ratings for customer satisfaction in our claims services. You can count on The Hartford to be there when you need us most.
 
If you’re looking to get a car insurance quote or just need information about buying car insurance in the state of Alabama, you’ve come to the right place. The Hartford is an insurance company that can help you get the best Alabama auto insurance coverage for your needs.
 

Finding the Best Car Insurance in Alabama

Drivers in Alabama could be eligible for valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
 
  • New Car Replacement‡
  • Accident Forgiveness‡
  • Disappearing Deductible‡
  • 24/7 Claim Service

What Car Insurance Is Required in Alabama?

Bodily injury liability coverage and property damage liability coverage are required in the state of Alabama. Alabama state law requires property damage liability and bodily injury liability coverage at the following minimum coverage limits:2
 
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $25,000 for property damage per accident

Is Alabama a No-Fault State?

Alabama is an at-fault state. This means that if drivers in Alabama are found responsible for a car accident, they must pay for the other driver’s property damage and injuries.
 

Proof of Car Insurance for Alabama Drivers

alabama auto insuranceIf you’re a licensed driver in the state of Alabama, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Alabama is also among several states that now accept electronic proof of car insurance, and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Alabama Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 19.5% of drivers in Alabama are uninsured. This is above the national average of 12.6%.3 Since Alabama ranks seventh out of all states for the number of drivers without insurance, you may want to consider purchasing uninsured motorist coverage.
 
The state of Alabama does not require drivers to carry uninsured/underinsured motorist coverage, but The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist.
 

Additional Car Insurance Coverages and Benefits Available to Alabama Drivers

best car insurance in alabamaWhen comparing auto insurance companies, make sure you’re getting quotes for the car insurance in Alabama that you need. For added protection, drivers in Alabama may also be eligible for the following car insurance coverages from the AARP Auto Insurance Program from The Hartford:
 
  • Transportation Expense
  • Roadside Assistance
  • Medical Payments

How Much Does Alabama Car Insurance Cost?

Your car insurance rate will vary based on many factors, like the kinds of coverage you buy, where you live and your driving history. Alabama drivers with a clean driving record will usually find the best rates. In 2019, the average premium for drivers in Alabama was $932 per year, compared to the national average rate of $1,070 per year. According to the latest data, in 2019 Alabama drivers’ insurance costs were around $78 per month.4
 

Staying Safe on Alabama Roads

al car insuranceAs you travel through Alabama, there are several safe driving laws meant to protect you. Here are just a few:5
 

Alabama Seat Belt Laws

Alabama state law requires front seat occupants to wear a seat belt while driving in Alabama.
 

Alabama Distracted Driving Laws

Texting while driving is banned for all drivers in the State of Alabama.
 

Alabama Teen Driver Laws

Getting a driver’s license is a rite of passage for teens, and Alabama wants to be sure they stay safe while getting theirs. Alabama has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 

How Can I Get a Car Insurance Quote in Alabama?

We make it easy to get a quote for car insurance in Alabama. Call us at 888-413-8970 or get a quote online in just a few minutes. We’ll help you decide how to get the best car insurance in Alabama for your needs.
 
 
Last Updated: October 11, 2023
 
2 Alabama Department of Insurance, Automobile Insurance FAQs
 
3 Insurance Information Institute, Facts + Statistics: Uninsured Motorists
 
4 Insurance Information Institute, Facts + Statistics: Auto Insurance
 
5 Governors Highway Safety Administration, States
Alabama car insurance
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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