Frequently Asked Questions

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Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?

Residents of Alabama are required to have car insurance to operate motor vehicles in Alabama. Additionally, you must have car insurance that is registered within Alabama. If you recently moved to Alabama from another state, you must cancel your previous insurance and get car insurance within Alabama.

For more information: Alabama Auto Insurance – Get a Quote and Save

Do I need to cancel my insurance if I am moving to another state?

Most states require drivers to have car insurance that is specific to the state the driver resides in. If you are moving out of Alabama, it is recommended that you contact the Department of Revenue in the state you are moving to. Ask a representative about the minimum liability car insurance laws for that state.

For more information: Alabama Auto Insurance – Get a Quote and Save

How can I avoid a license suspension if I choose not to insure my vehicle?

All drivers who operate vehicles in Alabama are required to have the minimum liability car insurance. If you are found to be driving without minimum liability insurance, you will receive fines and/or drivers license suspensions.

For more information: Alabama Auto Insurance – Get a Quote and Save

If I have been in an accident, what property damage do I have to report?

If you have been in a car accident in Alabama, all drivers must provide evidence of insurance for cars involved in the accident. Additionally, you must report property damage that is in excess of $250. To report property damage, submit an Accident Report to the Alabama Department of Public Safety.

For more information: How To: Save on Alabama Auto Insurance

If I live outside of the state for half the year, am I still required to have car insurance?

Drivers in Alabama are required to have Alabama car insurance if the vehicle is registered in Alabama. To get car insurance, check out online car insurance quotes.

For more information: Alabama Auto Insurance – Get a Quote and Save

What is the minimum liability insurance coverage?

Alabama drivers are required to have minimum liability car insurance to operate motor vehicles in the state. The minimum requirements the insurance policy must have are:

  • $25,000 coverage for the death of injury of one person.
  • $50,000 coverage for the death or injury of two or more persons.
  • $25,000 coverage for property damage.

To learn more about how to get car insurance, visit the Alabama Department of Insurance website.

For more information: Alabama Auto Insurance – Get a Quote and Save

What proof of insurance can I provide when registering my car?

Any drivers operating vehicles in Alabama must carry proof of car insurance at all times. Acceptable documentation for proof of car insurance includes:

  • Insurance card issued by the insurance company
  • Declarations page for a liability insurance policy
  • Liability insurance binder
  • Certificate of liability insurance
  • Current rental agreement for the vehicle showing rental company has insurance

For more information: Alabama Auto Insurance – Get a Quote and Save

What type of car insurance am I required to have?

The Alabama Department of Revenue enforces the Mandatory Liability Car Insurance Law throughout the state. The law requires all motorists in the state to get car insurance that meets the mandatory minimum for liability insurance. Check the Mandatory Liability Insurance Law brochure to find out more specifics of the law.

For more information: Alabama Auto Insurance – Get a Quote and Save

What will happen if I fail to get or keep car insurance?

All drivers in Alabama are required to possess car insurance at all times while operating motor vehicles. Drivers found to be driving without the minimum liability insurance may be charged up to $500 for a first violation and $1,000 for second and subsequent violations. Additionally, drivers can receive a six-month drivers license suspension.

For more information: Alabama Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?

Residents of Alabama must apply for car insurance for all self-propelled motor vehicles. Vehicles that are exempt from minimum liability car insurance include government-owned vehicles, vehicles covered under commercial insurance policies and trailers. Check with the Alabama Department of Insurance for information on car insurance quotes.

For more information: Alabama Auto Insurance – Get a Quote and Save