ALABAMA AUTO INSURANCE GUIDE
Required Auto Insurance & Minimum Limits in Alabama
Alabama requires motor-vehicle liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage.
- Confirm the declarations page, covered vehicle and actual liability limits.
- Alabama automobile liability policies generally include uninsured-motorist bodily-injury coverage unless the named insured rejects it.
- Investigate household, employer, commercial, umbrella and excess coverage when additional policies may apply.
Primary Alabama Sources
- Alabama Department of Insurance — Automobile Insurance FAQs
- Ala. Code § 32-7-23 — Uninsured Motorist Coverage
Current-law review: September 16, 2026. Confirm the policy actually issued and any UM rejection.
VictimsGuide 