Being a safe and conscientious driver requires auto insurance that protects you and other motorists. This guide explains the insurance coverage Alabama drivers need to be legally compliant with state insurance statutes. 

Minimum Coverage Requirements

Like other states, Alabama law establishes a minimum amount of liability coverage all motorists must carry. For bodily injury, drivers must have at least $25,000 per person and $50,000 per accident to cover bodily injury claims. In addition, drivers are obligated to carry $25,000 per accident to cover accident-related property damage. Although minimum coverage may be sufficient to protect you, speak with a reputable insurance agent for advice about additional insurance that would upgrade your protection. 

Penalties for Not Being Insured

All drivers in the state must present proof of insurance if requested by law enforcement. If you’re uninsured, you’ll be subject to a license suspension for six months and a fine of up to $1,000. To reinstate your license, you must secure a policy, present proof of insurance, and pay a fee of $200. Second and subsequent offenses impose harsher penalties. 

Auto Insurance Premiums

In Alabama, insurance companies look at specific factors when deciding how much to charge for premiums, including how often you drive your vehicle, driving record, and past auto insurance coverage. They also factor in the type of car or truck you drive as well as your gender, age, marital status, where you live, and how long you’ve been a licensed driver. If you use your vehicle for business purposes, insurers will consider that as well.

Do you have questions about auto insurance in Alabama? Tim Bryan Insurance in Andalusia, AL, will help. Whether you’re purchasing a new policy or filing a claim, they’ll walk you through the process step by step. To secure the State Farm® coverage you need at the best possible price, schedule a consultation today by calling (334) 222-1460.