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 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


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 Alaska 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.

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation


Alaska car insurance

Being the largest state in the country with a rugged and remote climate, driving may be extremely difficult for those that are not used to it. Most parts of the state are accessible by either using air or water transport; this is because the roads operate only to a small part of the state. Hence this makes it mandatory for those who drive or travel through any other means of transport to have car insurance.

Despite having costly insurance, with the proper planning and smart shopping, you will be able to get the best and affordable car insurance.

To be able to find the best car insurance online, you have to stay up to date with the Alaska laws and requirements.

Alaska Minimum Coverage Requirements

Alaska requires minimum liability insurance in case of an accident. This coverage is the only one carried under the Alaska law. It protects you from the claims made by others for the damages that arise from an accident that you caused.

The table below shows the coverage required in Alaska and its types;

Coverage Requirements In Alaska
Bodily Injury Liability. It covers the expenses resulting from an accident caused by you. It is made to the victim of the accident $50,000 per person or $100,000 total for all
Property Damage Liability. This covers the damages to another person’s property when the accident was your fault. This applies to houses, land or other structures. $25,000 for the damage to one’s property


Other types of coverage like that to an uninsured or underinsured motorist, medical expenses, collision or comprehensive are all not required according to Alaska laws. However, when you are leasing or financing your car, these may be required by your lender.

In Alaska, proof of financial responsibility is required to drive. To be able to prove this, you have to buy car insurance and must always have your card with you to prevent penalties.

There are certain parts of Alaska where registration of Alaska drivers isn’t required.

Driving Laws for Alaska Teenagers

There are specific laws for teens in Alaska. They must be at least 14 years to be given an instruction permit. They must have a learner’s permit for six months with 40 hours of supervised driving to be able to apply for a license.

Teen drivers will hold a provisional license until the age of 18. With this, they are required to have a driver older than 21 years with them in the car and not allowed to be on the road between 1:00 am and 5:00 am.

Failure to Have Car Insurance

The drivers that opt not to purchase car insurance in Alaska face fines and penalties. Each driver who is registered must have at least the legally required minimum amount of liability insurance and those caught not to be having car insurance will be given a drivers license suspension.

Drivers must have a copy of their insurance in possession since the failure to prove you have car insurance has the same consequences as not having insurance.

Alaska has mandatory insurance coverage that is higher than some states but may be advantageous for you. It is always amazing to pay attention to car insurance deals for better coverage.