Alabama (AL) Insurance Law

This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Alabama Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Liability Coverage

  • $20,000 per person injured in any one accident and
  • $40,000 for all persons injured in any one accident

Required Minimum Property Damage Liability Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured Motorist Coverage (UM). Under Alabama law, an uninsured motorist includes an underinsured motorist. If a person chooses to purchase UM coverage, the policy must provide a minimum bodily injury or death benefit of $20,000 per person in one accident or $40,000 for all persons in one accident.

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