Alabama Auto Insurance

How Much Does Alabama Auto Insurance Cost?

The average cost for full coverage car insurance in Alabama is $1,623, which aligns with the national average.

Your auto insurance rate will depend on several factors, including your location, age, driving history, choice of insurance company and more.

Affordable Car Insurance Quotes in Alabama

Looking for cheap car insurance in Alabama? At Fred Loya Insurance, we offer customized policies and cheaper rates with our numerous discounts, while providing you with the coverage you need. Our agents are available in convenient locations across the state, and they’re ready to craft a policy that’s right for you.

Our benefits for both new and existing customers include:

• Immediate coverage without a credit check
• Flexible payment options
• Mobile alerts
• Online payment options
• A complimentary vehicle while your car is being repaired after an accident

Alabama Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers costs for bodily injury or death if you are found at fault in an accident. The minimum requirements are $25,000 per person and $50,000 per accident.
Property Damage Liability	Property Damage Liability pays for vehicle and structure damage if you are found at fault in an accident. The minimum requirement is $25,000.

Alabama Car insurance Laws And Regulations

Alabama Driver’s License Process

Stage I Learner’s Permit

At the age of 15, you can apply for a Stage I learner’s permit. To do this, you need to:

• Have your parents’ approval
• Complete a written exam on the traffic laws in Alabama
• Take a vision test

If you have successfully passed your driver’s education classes, you are allowed to skip the written exam.

With a Stage I learner’s permit, you are allowed to drive only when supervised by an adult 21 or over who is sitting in the front seat and has a valid driver’s license.

Stage II Restricted Regular Driver’s License

To apply for your Stage II restricted regular driver’s license, you must meet the following conditions:

• Be 16 years old
• Have had a Stage I learner’s permit for six months without any violations
• Have completed 50 hours of supervised driving or a driver’s education course
• Have passed a driving exam

Stage III Unrestricted License

If you are 17 and have held your Stage II license for a minimum of six months, you can apply for a Stage III unrestricted license. With this type of license, the above restrictions that apply for Stage II are removed.

Driving Without Insurance In Alabama

The state of Alabama requires all drivers to have minimum liability auto insurance.

Penalties for driving without car insurance start at $500 for your first offense. For your second offense or subsequent violations, penalties may be as high as $1,000 and your driver’s license and registration may be suspended.

Reinstatement is $200 for your first offense and $400 for subsequent violations.

Alabama Teen Driving Laws

Teen driving laws in Alabama help ensure safety for young drivers and everyone else on the road.

If you have a Stage II restricted regular driver’s license, you are not allowed to drive between midnight and 6 a.m. unless:

• You are heading to/from school or work
• You are driving to/from hunting or fishing, and you have a hunting or fishing license
• You are driving due to an emergency
• You are travelling with a licensed driver who is 21 or over

You are allowed to transport only one passenger who is not a family member.

If you are under 18 and hold a Stage II license, you are not permitted to use a handheld cellphone while driving. Penalties for cell phone usage while driving range from $150 to $350.

Alabama Seat Belt Laws

The Click It or Ticket initiative, police checkpoints, saturation patrols and nighttime enforcement programs emphasize the importance of seat belt laws in Alabama.

Every driver and passenger in Alabama is required to wear a seat belt.

Seat belt laws are primary for those sitting in the front, and secondary for passengers travelling in the back of the car.

If you are caught driving without wearing a seat belt, you will be fined a base fee of $25.

Alabama law also requires children under 5 years old to be transported in special child or booster seat.

Alabama Distracted Driving Laws

While talking on the phone in your car is legal in Alabama, you are strictly prohibited to text or search the internet while driving.

If you are stopped for texting while behind the wheel, you will receive a ticket for reckless driving. The fine is $25 for your first offense, $50 for your second offense and $75 for each subsequent violation, in addition to points on your driver’s license.

The exceptions to texting laws include:

• Contacting police, paramedics and other emergency services
• Using GPS when it has been pre-programmed (programming during driving is illegal)
• Texting while parked or pulled over on the shoulder

*All information was gathered from official state websites and is accurate as of November 1, 2021.