Alabama Car Insurance
Get an Alabama Auto Insurance Quote
Do you love the roar of stock car engines? Or maybe a quiet visit along the Gulf Coast is more your speed? Whether this southern state is your sweet home or your getaway, it's important to know the ins and outs of auto insurance in Alabama. With GEICO, you can get personalized coverage tailored to your needs and budget. Don't wait until you're in a bind—get a car insurance quote today and hit the road with confidence.
Important Alabama Auto Insurance Information:
- Alabama has a high rate of uninsured motorists. To combat this, the Alabama Mandatory Liability Insurance Act (MLI) requires that "no person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public road or highway unless it is covered by a liability insurance policy." Penalties include fines, driver's license suspension, and vehicle registration suspension.
- In June 2011, a provision was added to the MLI. It requires that motorists who have let their insurance lapse more than once undergo a mandatory registration suspension of four months before their vehicle registration can be reinstated.
- In January 2013, law enforcement officers and other state officials began using the State of Alabama Online Insurance Verification System. This system allows users to instantly verify the insurance status of a vehicle.
Alabama Car Insurance Required Coverages
To register and operate a vehicle in Alabama, your auto insurance coverage must meet the following minimum requirements:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per person
- Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident*
*This coverage can be rejected in writing.
Alabama Auto Insurance Options
Understanding your car insurance coverage options is crucial for protecting yourself on Alabama roads. The coverages you can choose from are:
- Liability coverage
- Medical payments
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Emergency road service
- Rental reimbursement
- Mechanical breakdown coverage
Although not all of these coverages are required, adding them to your car insurance policy ensures that you’re financially prepared in the event of a covered loss.
Factors to Consider When Buying Alabama Auto Insurance
There are several important factors to consider when purchasing auto insurance in Alabama. The first factor to keep in mind is that Alabama is a fault state, meaning motorists who are found at fault for a collision may be held financially accountable for the medical bills and other losses they have caused to others. This, combined with Alabama’s high number of uninsured drivers, makes securing uninsured/underinsured motorist coverage crucial for protecting yourself financially. Additionally, given the stringent penalties for driving without insurance in Alabama—including fines, license suspension, and vehicle registration suspension—ensuring adequate coverage is not just advisable but legally imperative.
How Much Does Auto Insurance in Alabama Cost?
Generally, Alabama's average auto insurance premiums fall slightly below the national average. However, individual rates are influenced by factors such as age, driving record, credit score, marital status, and the type of vehicle insured. Additionally, where you live in Alabama can impact your insurance costs, with urban areas typically experiencing higher premiums due to increased traffic and crime rates. Alabama is also prone to severe weather conditions, such as hail and tornadoes, that can increase car insurance rates. To find the best coverage at the most affordable price, be sure to compare quotes from multiple insurance providers.
Alabama Auto Insurance Discounts
GEICO offers many car insurance discounts to Alabama drivers designed to maximize their savings without compromising on coverage. Some available discounts include:
- New Vehicle Discount: Unlock savings on your car insurance premiums with our new vehicle discount that rewards you for driving cars that are no more than three years old.
- Five-Year Accident-Free Good Driver Discount: Maintain a clean driving record for at least 5 consecutive years and enjoy lower car insurance premiums.
- Good Student Discount: Full-time students who maintain a B average or better may be eligible for reduced rates to acknowledge their excellence both in and out of the classroom.
- Defensive Driving Discount: Stay ahead of the curve and save on your car insurance premiums with our defensive driving discount, rewarding eligible drivers who prioritize safety by completing approved defensive driving courses.
- Multi-Vehicle Discount: Rev up your savings by insuring multiple vehicles with GEICO.
- Military Discount: Active, reserve, and retired military personnel can unlock exclusive discounts on car insurance premiums as a token of our appreciation for their service and dedication.
- Drive Easy Discount: Download GEICO’s DriveEasy app to showcase your safe driving habits and save money on car insurance.
- Pay in Full Discount: Pay your term premium in full and receive a discount.
Get an Auto Insurance Quote from Geico
Ready to hit the road? Get a personalized car insurance quote from GEICO today and discover why drivers trust us to protect them on Alabama’s highways.
