Buy Cheap Alabama Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Alabama Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
No Hand-held Cell Phone Ban
All Cell Phone Use Ban for Novice Drivers:
Drivers that are 16 years old or 17 years old with an Intermediate License for less than 6 months cannot use a cell phone at all while driving in Alabama.
Drivers that are 16 years old or 17 years old with an Intermediate License for less than 6 months cannot use a cell phone at all while driving in Alabama.
Texting Ban:
In Alabama, text messaging is banned for all drivers.
In Alabama, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Alabama Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 or above
There's an increased penalty for driving with a BAC 0.15 or above.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Alabama, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit.
Ignition Interlocks:
Mandatory for repeat offenders
Ignition Interlocks: These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Alabama has made ignition interlocks mandatory for all repeat drunk driving offenders.
Repeat Offenders:
Pending review by NHTSA & FHWA
Pending review by NHTSA & FHWA
Open Container Law:
Pending review by NHTSA & FHWA
Pending review by NHTSA & FHWA
Graduated Drivers License
Buy Cheap Alabama Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 30 hours of supervised driving hours, 0 of which need to be with driver's education.
Intermediate Stage:
Age: 16
Night Driving Restriction: Midnight-6am
Passenger Restriction: No more than 1 passenger
(Some limits are applied to unsupervised drivers in high-risk situations): 16-year-old drivers who passed the driver's test are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 6am and they cannot have more than one passenger in their vehicle, except family.
Full Privilege Age:
Age: 17
(Full driver's license): At the age of 17, Alabama drivers can now get a standard driver's license without restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
65
MPH
SPEED LIMIT
65 MPH
Page Source: ghsa.org
Buy Cheap Alabama Auto Insurance in 2024
Department of Insurance
Website: https://www.aldoi.gov/
Address: 135 South Union Street #200, Montgomery, Alabama 36130
Phone: 334-269-3550
Buy Cheap Alabama Auto Insurance in 2024
DMV Information
Website: revenue.alabama.gov/motorvehicle/index.cfm
Phone: 334-242-1170