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Insurance Center
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All Alabama drivers must be covered by liability insurance when operating a vehicle. The state enforces minimum coverage of $20,000 injury liability for one person, $40,000 for all injuries in one accident, and $10,000 property damage in one accident.
Drivers must carry proof of insurance with them while driving. If the Alabama Department of Revenue discovers a vehicle is not covered under insurance, that vehicle tag registration will be suspended until proof of insurance is supplied and a reinstatement fee of $100 is paid.
For subsequent offenses, the owner must serve a four month suspension, pay a $200 reinstatement fee, and provide proof of current insurance.
Proof of Insurance
Alabama law accepts a variety of methods for proving insurance. They are:
- The permanent or temporary card issued by your insurance company.
- Your premium receipt or binder issued by your insurance agent.
- The actual policy, or the current declarations page of your policy, for your vehicle.
- Proof of purchase of the vehicle within the past 60 days and a valid insurance card from your previous vehicle.
- If you are renting a car, the copy of the rental agreement that specifies the insurance coverage.
If you need additional information, please review Alabama's insurance laws.
